New years resolution to better examine monthly debits. Have already saved E280 by changing car insurer (maintaining same benefits!) - absolutely delighted about this.
We're a family of 2 adults and three kids (aged 5, 7 and 9). All healthy enough. Don't appear to have any hereditary illnesses. Finished having kids, no maternity cover needed, no interest in private rooms. Rarely need to go to GP. Our annual membership is a staggering E5,787!!!! We're on health manager at Laya.
The only 'health' issue we do fear is dental - husband needing root canals and children all seem like they will have spacing issues/teeth coming down at bad angles - long term needing braces possibly or other work.
Have always lived in fear of not having health insurance - 'what if we suddendly discover cancer or heart disease etc'. Have heard frightening stories on the radio of people not being able to get treatment in time and dying as a result - particularly with regard to cancer.
Considering dropping insurance altogether - but continuing to pay the monthly amount (over E450) into an account for a rainy day.
I understand that if I don't have insurance but want to see a consultant quickly privately I can pay the consultation fee - but what then? Can I then go back to public to get treatment or do I go back to a two year waiting list? What happens once I get a diagnosis from a private consultant?
Quite confused about this. Fearful, but wanting to be pragmatic and finding it exceedingly difficult to cover all the costs these days.
We're a family of 2 adults and three kids (aged 5, 7 and 9). All healthy enough. Don't appear to have any hereditary illnesses. Finished having kids, no maternity cover needed, no interest in private rooms. Rarely need to go to GP. Our annual membership is a staggering E5,787!!!! We're on health manager at Laya.
The only 'health' issue we do fear is dental - husband needing root canals and children all seem like they will have spacing issues/teeth coming down at bad angles - long term needing braces possibly or other work.
Have always lived in fear of not having health insurance - 'what if we suddendly discover cancer or heart disease etc'. Have heard frightening stories on the radio of people not being able to get treatment in time and dying as a result - particularly with regard to cancer.
Considering dropping insurance altogether - but continuing to pay the monthly amount (over E450) into an account for a rainy day.
I understand that if I don't have insurance but want to see a consultant quickly privately I can pay the consultation fee - but what then? Can I then go back to public to get treatment or do I go back to a two year waiting list? What happens once I get a diagnosis from a private consultant?
Quite confused about this. Fearful, but wanting to be pragmatic and finding it exceedingly difficult to cover all the costs these days.