I've a related question, I hope it's appropriate to this thread.
It's renewal time and my current plan is Aviva Health Value (€850).
In "High Tech" hospitals it offers (among other provisions) 25% cover on a semi-private room and 90% cover, subject to €250 excess, for "listed cardiac procedures". Now, 90% sounds good, but my concern is with these percentages. It's 25% of what? And 90% of what? Say a heart procedure cost €50,000, this leaves me liable to pay 10% of 50,000 = 5,000 (gulp). As a lay person I've no idea what to expect in terms of overall room and procedure costs and this is a big unknown which leaves me feeling very unsure, rather than "insured".
I'm considering another plan they have: Aviva First Focus (€798). This offers cover in High Tech hospitals (Beacon only, Mater Private and Blackrock not covered) as follows: full cover in a semi-private room subject to €150 excess and €2,000 co-payment for "certain procedures". The €2,000 copayment is a lot, and with cover restricted to one hospital only, but at least I know what I'm in for, as compared to the percentage cover described above.
Can anyone offer any wisdom on this topic? I'm willing to accept an excess, but I don't like this percentage cover business.
Thanks for all the useful info in this forum, askaboutmoney!
It's renewal time and my current plan is Aviva Health Value (€850).
In "High Tech" hospitals it offers (among other provisions) 25% cover on a semi-private room and 90% cover, subject to €250 excess, for "listed cardiac procedures". Now, 90% sounds good, but my concern is with these percentages. It's 25% of what? And 90% of what? Say a heart procedure cost €50,000, this leaves me liable to pay 10% of 50,000 = 5,000 (gulp). As a lay person I've no idea what to expect in terms of overall room and procedure costs and this is a big unknown which leaves me feeling very unsure, rather than "insured".
I'm considering another plan they have: Aviva First Focus (€798). This offers cover in High Tech hospitals (Beacon only, Mater Private and Blackrock not covered) as follows: full cover in a semi-private room subject to €150 excess and €2,000 co-payment for "certain procedures". The €2,000 copayment is a lot, and with cover restricted to one hospital only, but at least I know what I'm in for, as compared to the percentage cover described above.
Can anyone offer any wisdom on this topic? I'm willing to accept an excess, but I don't like this percentage cover business.
Thanks for all the useful info in this forum, askaboutmoney!