Q My VHI plan must be renewed in early December 2021. I am beginning a brand new job on the finish of January 2022 and my new employer might be providing free personal medical health insurance – though Irish Life Well being (ILH) insurance coverage and never VHI. Do I renew my VHI insurance coverage in December – after which cancel it on the finish of January 2022 if I take out personal ILH medical health insurance because of my new job? Can I cancel the VKV insurance coverage shortly after it’s prolonged? I accomplished the VHI plan myself. June, Dublin
You’ll usually be charged a cancellation payment – based mostly on the state tax and professional rata – when you cancel your medical health insurance within the center.
Nonetheless, there may be an exception for members who go away to affix a company-paid system. For VHI, all it’s good to do is produce a letter confirming that you’re becoming a member of a company program to keep away from a cancellation payment. So you’ll be able to prolong your current coverage to maintain your protection till the system paid for by the corporate comes into impact – with out having to pay on your present coverage all 12 months spherical.
When you cancel your personal coverage in December, please word that within the occasion of an insurance coverage interruption of greater than 13 weeks, you could reserve ready occasions earlier than you’ll be able to obtain the total advantage of your organization coverage. Earlier than terminating your contract, you need to make clear together with your new employer whether or not you’ll be able to be part of his system from the primary day of your employment – or whether or not you must move the probationary interval first.
Finally, I’d suggest persevering with your private coverage till you formally be part of the company-paid system – simply in case you want therapy or any of your insurance coverage advantages within the meantime.
Does it make sense to cancel youngster medical health insurance?
Q After I began working for my boss about seven years in the past, I acquired gold-plated personal medical health insurance for myself and my entire household totally free (as a job profit). My boss just lately knowledgeable us that he’ll not provide this work perk because of the monetary strain the corporate is underneath as a result of Covid. So now I’ve to get personal medical health insurance out of pocket and the price is a little bit of a shock. My husband and I are contemplating simply getting personal medical health insurance now – and never worrying about getting the youngsters insured as they’re each underneath 9 years previous and are unlikely to have any severe well being issues. Would that be clever? Louise, Co. Kildare
A Though youngsters are eligible totally free major care as much as the age of six, there are lots of causes to maintain your youngsters lined, even when you assume it’s unlikely that they may want hospital therapy within the close to future.
In case your youngster will not be doing nicely, you’ll be able to higher handle the price of consultations and coverings with protection out of your medical health insurance – so you’ll be able to deal with taking care of your youngster as a substitute of worrying about medical payments.
It’s usually assumed that youngsters won’t be positioned on lengthy ready lists for hospital therapy. Sadly, that is removed from the reality – with over 100,000 youngsters in Eire presently on ready lists for inpatient or outpatient procedures. Whereas there are not any personal hospitals for youngsters, having medical health insurance on your youngsters will help scale back these ready occasions – to allow them to get the care they want sooner fairly than later.
Additionally word that youngsters who go away medical health insurance for greater than 13 weeks might be handled as new additions the following time they be part of. Consequently, they have to meet customary ready intervals of 26 weeks for brand new situations and 5 years for current situations earlier than they will avail of the coverage’s advantages and protection.
The protection prices range relying on the protection degree chosen. Whereas there are not any plans that present free insurance coverage for all youngsters, the premiums mustn’t exceed 50 p.c of the grownup tariff. In some instances there are gives by which you solely pay contributions for one youngster – whereas different youngsters are insured freed from cost. Do not forget that not each member of a household coverage must have the identical tariff – so you’ll be able to contemplate an inexpensive possibility on your youngsters.
Is there a solution to bypass missed deadlines for outpatient expense studies?
I missed the deadline for submitting an software for outpatient prices. I’m with Irish Life Well being (ILH) and have simply obtained a change in my coverage – which implies I have to now submit all claims for outpatient prices no later than six months after the insurance coverage 12 months by which the prices had been incurred. Is that true and is there a solution to get round it? Tom, Co. Sligo
This modification was speculated to be launched in Might 2020, however because of the pandemic, the brand new deadline was launched on August 10, 2020. Your ILH handbook states: “You should submit your receipts inside six months of the tip of your insurance coverage 12 months. In case your receipts should not obtained inside these six months, your declare won’t be paid. “
The ILH has despatched all members, relying on the renewal date, reminders by e-mail, SMS or letter – relying on the contact particulars they’ve accessible for you.
When you missed the deadline, you’ll be able to sadly not make a declare. All three well being insurances provide cell apps – so obtain your supplier’s app to simplify the appliance course of. Since you do not have to attend for renewal to submit your software, you need to use the app to maintain updated on functions as you incur any prices.
Medical insurance protection for IVF
My companion and I are having bother getting pregnant and should not but snug touring overseas for therapy. IVF is so costly in Eire, nevertheless – is there medical health insurance that provides to this crippling price? Helen, Co. Wexford
Sadly, though there isn’t any medical health insurance that absolutely covers the price of fertility therapy, all three Irish well being insurers have added some degree of fertility safety to a few of their plans in recent times.
There are a number of choices that needs to be thought-about – every with its personal advantages, protection, and prices. For many plans, fertility safety has a 52-week ready interval earlier than you’ll be able to obtain advantages. Most of the Irish Life Well being (ILH) plans provide fertility advantages that cowl all fertility clinics within the Republic of Eire. The extent of protection is dependent upon which plan you select, however the plans I like to recommend for the ILH plan are “4D Well being 2”, “4D Well being 3” and “Greatest Final 2”.
Laya Healthcare gives two fertility applications. The primary is obtainable in lots of their each day plans, whereas the second – the “First Step Fertility Bundle” – comes with enhanced fertility advantages however has a two-year ready interval. Lots of VHI’s plans embody fertility insurance coverage with collaborating fertility therapy facilities: Repromed (Dublin, Cork, Louth and Kilkenny) and Galway Fertility CliniC.