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Vincent Casey Life and Pensions Co
With over 200,000 people currently on hospital waiting lists can you afford to be without health insurance?
New figures from the HSE reveal that more than 200,000* people are currently on hospital waiting lists, with 5,000 of those waiting between three and four years. A total of 806 people have been waiting over four years to see a consultant after being referred by a GP. Almost 160,000 have been on lists for 12 months or less, with 46,000 waiting over a year.
(*Health Service Executive March 2012 Supplementary Report)
Private health insurance is insurance that helps cover all or part of medical costs incurred. Other benefits may also be provided as part of your policy.
- Cover for private or semi-private hospital accommodation
- Cover for inpatient consultant services as a private patient
- Other cover including maternity, overseas, psychiatric and outpatient benefits
Depending on what kind of cover you want and how much risk you are willing to take there are a number of different plans out there with one to suit everyone. First ask yourself a couple of questions example:-
What kind of hospital cover do I want?
Most products concentrate on inpatient and day-case benefits, although some also offer substantial outpatient benefits. Your first decision would be whether you want a semi-private or private room, whether you want cover in public hospitals or private hospitals and then in which private hospitals you wish to be covered.
Next is, what benefits would be of most value to you?
There may be elements of your lifestyle or you may have plans for the future which would make some benefits more attractive to you than others. For example, you may need regular physiotherapy or you might be planning to have a baby, in which cases outpatient cover and maternity cover might be of particular interest to you.
Finally, how much risk are you willing to accept?
If you are willing to take on the risk of paying part of the cost choosing a policy with an excess can result in a lower premium. If you are not willing to accept this risk you can choose a product without an excess.