Hello everyone
I'm looking for health insurance for my family. I'm Australian and have recently moved to Ireland with my Irish husband and children. My goodness, let me just say irish insurance companies don't make things easier for their customers do they?
I'm being a bit overwhelmed by all the policies available and the jargons...
A little background for us. I'm 36 and husband is 39. Two children are 2 and 5. Luckily we are all healthy and fit (non smokers). We are based in Tipperary but closer to Limerick and Clare.
Husband's always had health insurance covered by VHI (piggybacked off his parents). I've canceled my private health insurance when we moved to Ireland. Anyway, i'm looking for a new cover after hearing from friends that private insurance is recommended specially we have young children. What i understand is, if they have accidents and injuries, they will be seen by the public A&E anyway at little/no cost. It's more for scans and checks up WHEN/IF they need it? (My friend's 5 year old recently developed a headache that didn't go away, and luckily she had the children covered and he was seen by a specialist within weeks and had CT scans quickly. If she hadn't had this, she said the wait for things like these could be 9-12 months wait. It's things like that i'm looking to get covered for.
As we are in generally good health, we rarely have the needs to see the GPs. But i think it's good to have that extra protection should our circumstances change and we will have access to the consultation/treatments without having to wait for a long time. We don't mind paying more excess to lower the premiums.
My research from the forum showed that it's cheaper to take out covers for the children separately; but when i tried to do that on the VHI website, it doesn't allow me to do that. Has this changed in recent years?
The other cover i've looked at and think it'd suit us is Simply Connect by Laya. Any recommendations/suggestions would be greatly received. Thank you!
I'm looking for health insurance for my family. I'm Australian and have recently moved to Ireland with my Irish husband and children. My goodness, let me just say irish insurance companies don't make things easier for their customers do they?
I'm being a bit overwhelmed by all the policies available and the jargons...A little background for us. I'm 36 and husband is 39. Two children are 2 and 5. Luckily we are all healthy and fit (non smokers). We are based in Tipperary but closer to Limerick and Clare.
Husband's always had health insurance covered by VHI (piggybacked off his parents). I've canceled my private health insurance when we moved to Ireland. Anyway, i'm looking for a new cover after hearing from friends that private insurance is recommended specially we have young children. What i understand is, if they have accidents and injuries, they will be seen by the public A&E anyway at little/no cost. It's more for scans and checks up WHEN/IF they need it? (My friend's 5 year old recently developed a headache that didn't go away, and luckily she had the children covered and he was seen by a specialist within weeks and had CT scans quickly. If she hadn't had this, she said the wait for things like these could be 9-12 months wait. It's things like that i'm looking to get covered for.
As we are in generally good health, we rarely have the needs to see the GPs. But i think it's good to have that extra protection should our circumstances change and we will have access to the consultation/treatments without having to wait for a long time. We don't mind paying more excess to lower the premiums.
My research from the forum showed that it's cheaper to take out covers for the children separately; but when i tried to do that on the VHI website, it doesn't allow me to do that. Has this changed in recent years?
The other cover i've looked at and think it'd suit us is Simply Connect by Laya. Any recommendations/suggestions would be greatly received. Thank you!