Private Medical Insurance Newbie

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faolteam

Registered User
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Private Medical Insurance Query
Hi folks just wondering if its worth paying to get Advice from a certain company about which product and Company i should Choose?

This is my first time to do this so i will be loaded cause of my age over (50) so just wondering should u go for the basic plan first

Im in Good Health, Give Blood every Quarter, Non Smoker , Non Drinker

Thanks in Advance for any advice
 
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Probably the lack of responses reflects that we usually rely on informal advice here so members typically would not have direct experience with a fee based service.

I'd suggest having a read of these threads which should give you a good indication of the kind of questions you need to think about - your location, what hospitals are covered \ not covered across public and private, how important is out patient expenses (refunds for GPs, physios), excess.

VHI - Is VHI One plan 500 still the best at that price?

Hi, Renewal time again. 2 Adults (late 30s) on one plan 500 and 2 kids (13/16) on one plan 150. I'm trying to keep costs around the same this year, at approx 150/month. Having spent days online, I'm none the wiser as to the range of possibilities and costs. We're generally healthy and don't...
www.askaboutmoney.com

Laya - Essential health 300 to vhi equivalent

Hi, I'm 43 and currently on essential health 300 with laya for €1,196.61 and my daught 2.5 Yr is on control 300 create for €347.56. I'm based in limerick and vhi are building a swift care clinic in 2020 which I feel would be worth having access to. Laya is also mentioning they will build a...
www.askaboutmoney.com

Based on what you've said, probably you should opt for a higher excess, don't need much out patient refunds for day to day expenses so it's all about what hospitals \ locations you need to be able to access.

That might give you an understanding \ confidence to pick out a suitable plan yourself.

You could try out the Laya pick a plan wizard, for example:

Get a Tailored Health Insurance Quote| Laya Healthcare

It’s now super easy to see which of our schemes is right for you. Just use these 3 simple steps to tailor your health cover
www.layahealthcare.ie www.layahealthcare.ie
 
sorry guys, no from reading this thread id rather get advice from you good people as there is such knowledgeable advice here ,

im in a dfferent position now were i never had it but please folks any help at all for a plan for me with my Criteria , would be great thanks folks
 
Hi faolteam, your premium will be loaded as you are over 34 (the loading will be +2% for every year over 34 that you haven't been covered, so if you are 50 and have never had health insurance before, the premium will be 30% higher). More information here

Lifetime community rating (LCR)

Lifetime community rating is a system whereby the premium that individuals pay for health insurance rises with the age they enter the private health insurance market, but does not vary in relation to their current age.
www.hia.ie www.hia.ie

After that it really depends on what you want. I would recommend that you start by looking at this website

Health Insurance Comparison Tool | HIA

Compare health insurance plans across a wide variety of providers in Ireland. You can also compare your current health insurance plan with other plans available.
www.hia.ie www.hia.ie

It allows you to look at the plans across all providers and compare them.

It would be worthwhile having a look through the plans available there first, look at what is and isn't covered and then start to narrow down your search. No-one is going to be able to say "get this plan" on the information you have given as it doesn't actually give any indication of what your preference for cover is. Maybe you want to be able to access private hospitals, maybe you don't. Maybe some hospitals are more important to be able to access than others, maybe you have a family history of a particular condition that you should be considering, maybe you want to be covered for things like dentist visits or eye checks or health checks. The various plans all have different things prioritised.

Once you have an idea of where your preferences lie you would then be in a position to ask for people's opinion on the plan(s) you are considering and whether they think there are similar plans at a better price.
 
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