Health Insurance for new born

Speak Now · 15-09-2010 9:56am #1

I know cover is free until next renewal date but if a child is born with a condition which may or may not lead to having to spend time in Crumlin during the next couple of months do i just add the baby to my VHI policy as normal with my last child or do i have to tell them about the condition he was born with?

Das Kitty · 15-09-2010 10:34am

With a new baby they're fully covered from their date of birth (that's the date they enter into the system when you phone). I rang them when mine was 6 months to add him and that's what I was told.

Speak Now · 15-09-2010 10:52am

Das Kitty wrote: »

With a new baby they're fully covered from their date of birth (that's the date they enter into the system when you phone). I rang them when mine was 6 months to add him and that's what I was told.

Yeah the little fella came early, 6 days before insurance renewal date :eek:
But do i need to go into more detail about the condition he was born with so that

a. they will increase the premium

or

b. they mightn't cover him

Das Kitty · 15-09-2010 10:58am

They dont ask you any questions about preexisting conditions (at least they didnt for me) anyway it's not preexisting if the baby was born with it and the start date is their birth date. All they asked me for was his name and DOB.

ted1 · 15-09-2010 8:18pm

it might be worth while increasing your level of cover.

Health Insurance for new born

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