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 will likely be providing free non-public medical 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 non-public ILH medical 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 – primarily based on the state tax and professional rata – should you cancel your medical insurance within the center.

Nevertheless, there’s an exception for members who depart to hitch a company-paid system. For VHI, all it’s essential 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 present coverage to maintain your protection till the system paid for by the corporate comes into impact – with out having to pay to your present coverage all 12 months spherical.

When you cancel your non-public coverage in December, please word that within the occasion of an insurance coverage interruption of greater than 13 weeks, you will need to reserve ready instances earlier than you’ll be able to obtain the complete 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 a part of his system from the primary day of your employment – or whether or not it’s a must to go the probationary interval first.

In the end, I might suggest persevering with your private coverage till you formally be a part of the company-paid system – simply in case you want remedy or any of your insurance coverage advantages within the meantime.

Does it make sense to cancel baby medical insurance?

Q Once I began working for my boss about seven years in the past, I received gold-plated non-public medical insurance for myself and my complete household free of charge (as a job profit). My boss lately knowledgeable us that he’ll now not provide this work perk because of the monetary strain the corporate is underneath because of Covid. So now I’ve to get non-public medical insurance out of pocket and the price is a little bit of a shock. My husband and I are contemplating simply getting non-public medical insurance now – and never worrying about getting the youngsters insured as they’re each underneath 9 years previous and are unlikely to have any critical well being issues. Would that be sensible? Louise, Co. Kildare

A Though youngsters are eligible free of charge major care as much as the age of six, there are lots of causes to maintain your youngsters lined, even should you assume it’s unlikely that they are going to want hospital remedy within the close to future.

In case your baby will not be doing nicely, you’ll be able to higher handle the price of consultations and coverings with protection out of your medical insurance – so you’ll be able to give attention to taking care of your baby as a substitute of worrying about medical payments.

It’s typically assumed that youngsters is not going to be positioned on lengthy ready lists for hospital remedy. Sadly, that is removed from the reality – with over 100,000 youngsters in Eire at the moment on ready lists for inpatient or outpatient procedures. Whereas there aren’t any non-public hospitals for youngsters, having medical insurance to your youngsters can assist cut back these ready instances – to allow them to get the care they want sooner relatively than later.

Additionally word that youngsters who depart medical insurance for greater than 13 weeks will likely be handled as new additions the following time they be a part of. Because of this, they need to meet customary ready intervals of 26 weeks for brand new circumstances and 5 years for present circumstances earlier than they’ll avail of the coverage’s advantages and protection.

The protection prices differ relying on the protection stage chosen. Whereas there aren’t any plans that present free insurance coverage for all youngsters, the premiums shouldn’t exceed 50 % of the grownup tariff. In some circumstances there are affords during which you solely pay contributions for one baby – 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 reasonably priced choice to your youngsters.

Is there a strategy to bypass missed deadlines for outpatient expense studies?

I missed the deadline for submitting an utility 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 during which the prices have been incurred. Is that true and is there a strategy to get round it? Tom, Co. Sligo

This alteration was purported 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 will need to submit your receipts inside six months of the tip of your insurance coverage 12 months. In case your receipts will not be obtained inside these six months, your declare is not going to 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 out there for you.

When you missed the deadline, you’ll be able to sadly now not make a declare. All three well being insurances provide cellular 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 utility, you need to use the app to maintain updated on functions as you incur any prices.

Medical health insurance protection for IVF

My companion and I are having hassle getting pregnant and will not be but comfy touring overseas for remedy. IVF is so costly in Eire, nonetheless – is there medical insurance that provides to this crippling value? Helen, Co. Wexford

Sadly, though there isn’t any medical insurance that absolutely covers the price of fertility remedy, all three Irish well being insurers have added some stage of fertility safety to a few of their plans in recent times.

There are a number of choices that must be thought of – 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 depends 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 “Finest Final 2”.

Laya Healthcare affords two fertility packages. The primary is offered in a lot of their every day plans, whereas the second – the “First Step Fertility Package deal” – comes with enhanced fertility advantages however has a two-year ready interval. A lot of VHI’s plans embrace fertility insurance coverage with taking part fertility remedy facilities: Repromed (Dublin, Cork, Louth and Kilkenny) and Galway Fertility CliniC.

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