Baby boomer
Registered User
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I am also beginning to wonder about being 'private' I'm paying health insurance, I'm paying the GP 60 a visit, the consultant 100 to 200 depending on who.( mind you I find the consultants I deal with are very fair regarding money) I also have to pay 135 a month for tablets.
My current policy has all that. I'm aware of the implications of dropping out. My point is that the benefits of going private ain't what it once was. The gap was huge, it's a lot narrower now, and likely to get narrower still. I suspect most of the claims paid out by insurers are for stuff that would be equally well covered in the private system anyway. The attempts by public hospitals to get patients with insurance to declare this when they're being admitted under the public system through A&E is a prime example. I just feel like it's dreadfully poor value for money and I don't like being ripped off.I think perhaps you should look at what other plans are available, you should be able to get good cover with LAYA for a lot less than €2000 a year. A policy with good refunds on things like GP visits, physio, prescription glasses OR a basic hospital cover.
If you drop out now, there could be waiting period & loading implications down the line should you resume private insurance after a long gap.
You're right, it is a bottomless pit! Point is, it exists (or shortly will exist) and will further narrow the gap between public and private care. It will also drive up the cost of private health insurance. In that context, does it make sense to self-insure, purely to cover the ever-narrowing gap?Do no such thing, slaintecare is a potential bottomless money pit, public health system exists primarily to serve those employed by it
My current policy has all that. I'm aware of the implications of dropping out. My point is that the benefits of going private ain't what it once was. The gap was huge, it's a lot narrower now, and likely to get narrower still. I suspect most of the claims paid out by insurers are for stuff that would be equally well covered in the private system anyway. The attempts by public hospitals to get patients with insurance to declare this when they're being admitted under the public system through A&E is a prime example. I just feel like it's dreadfully poor value for money and I don't like being ripped off.
That's exactly it! The "am I the fool here" question?....but I thought to myself 'am I the fool' killing myself forking out while others don't have to worry. I
Agree totally. I price check every year and have changed policy several times. My beef is not with the insurance companies but the system within which they are required to operate. Basically, private health customers are paying on the double.You might be getting ripped off, especially if you've been on the same VHI policy for a long time.
If you're price conscious with your plan, I don't think you are being ripped off by the insurance company - the rip off is in the amount of tax we are paying into the health service, no one should need private insurance!
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