Cheapest Health insurance provider?

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TracyBarlow Posts: 943
We are hoping to start ttc next year, and as we've just moved home from abroad, we have no health insurance here yet, but want to get on that ladder soon, so we will be well into the 52weeks for maternity cover if i should get pregnant. Our dilemma is that we are fairly strapped for cash, as DH is still working abroad, and im here, so we're running 2 households, 2 sets of bills etc etc, so really all we want, and can afford, is the most basic health coverage with maternity. The providers websites are a minefield of packages, and i dont know where to start. :duh: HELP!!! Thanks. Apologies if ive posted this in the wrong place, but im assuming the pregnant ladies would be sorted with health insurance and know whats best. ;)
papillon Posts: 1305
I'd imagine the cheapest would be Quinn. I'd say you get what you pay for though. I'm with VHI out of some possibly misguided sense of loyalty, but I believe Aviva is competitive.
PrincessLea Posts: 436
We were kinda skint as well when we considered health insurance and we ended up going with HSF Health Plan, not quite the same as an actual insurance, but if you're researching everything on the market it might be worth having a look at it. [url:35pyry88]http://www.hsf.eu.com/ireland/[/url:35pyry88]
TracyBarlow Posts: 943
Thanks girls. If you start off with say the most basic plan, can you upgrade at any point to a more comprehensive one? So if we had the starter plan for the rest of this year, then upgraded if i got pregnant this time next year, would we be able to avail of the added benefit of the new plan straight away? (assuming our 52weeks wait for the original plan was over) Confused?! I am! :yelrotflmaosmilie:
BlossomHill Posts: 2169
[quote="CherrieChapstick":n6jhro04] If you start off with say the most basic plan, can you upgrade at any point to a more comprehensive one? So if we had the starter plan for the rest of this year, then upgraded if i got pregnant this time next year, would we be able to avail of the added benefit of the new plan straight away? [/quote:n6jhro04] No there are also time clauses wrt existing conditions & upgrading your level of cover. You would need to upgrade to higher level pre pregnancy to avail of those associated maternaity benfits on higher level.
TracyBarlow Posts: 943
Cheers.
insuranceSpecialist Posts: 3
No matter which health insurance provider you go with, standard waiting and exclusion periods apply. 26 week waiting periods for all new conditions 52 Week waiting periods for maternity benefits 5 yrs for pre existing conditions. If you start on a low level of cover and upgrade to a higher level of cover you will need to wait 2 years to access your enhanced benefits for a medical condition which you had at the time of upgrading. All health insurance plans on the market offer 3 days full cover / PUBLIC hospitals If you want to go PRIVATE - MOUNT CARMEL HOSPITAL the health insurance plan will give you a grant in aid to pay towards the hospital cost. AVIVA have the best maternity benefits on the market and the most unique benefits. Lyons Financial Services do an excellent free comparison service call them on 1890 304 304. They offer best advice.
Wife09 Posts: 873
Just so you know, the insurance doesnt cover your consultants fee's if you are private. Just your room!!
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