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2 Health Insurance Policies

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  • 05-10-2014 6:54am
    #1
    chatterbox
    Registered Users Posts: 123 ✭✭


    Hi.

    I'm in a very privileged position that both myself and my wife have very good jobs both which offer full health insurance cover for our family as part of our benefits... But they both deal with different health insurance companies. So at the moment we have 2 health insurance policies.

    I presume that being insured twice is ok? as long as you only claim once?


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    #2
    fits
    Registered Users Posts: 13,503 ✭✭✭✭fits


    Uhm technically its not ok. Perhaps contact hia? I would probably look to cancel one of the policies or get two companies to pay into one, better policy.

    I am in similar position, have excellent international policy but it will lapse as soon as I finish my employment (I'm on contract) I continue to pay an Irish policy so I wont lose my waiting periods, or be penalised for not holding insurance. My residency is a grey area also and the Irish company wont cover non residents.


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    #3
    chatterbox
    Registered Users Posts: 123 ✭✭chatterbox


    We have a political problem in our scenario .. . My daughter is ill so all her treatments etc have been done through my policy for the past few years... My wife has just started work with one of health insurance companies and they cover her family also ... So it's very hard to turn around to them and say we have insurance on my policy with another company.


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    #4
    coylemj
    Registered Users Posts: 25,437 ✭✭✭✭coylemj


    chatterbox wrote: »
    We have a political problem in our scenario .. . My daughter is ill so all her treatments etc have been done through my policy for the past few years... My wife has just started work with one of health insurance companies and they cover her family also ... So it's very hard to turn around to them and say we have insurance on my policy with another company.

    I see the problem though your wife is hardly going to get into trouble for having married someone whose employer insures him through a different insurance company. If you're concerned about about being insured twice, why not just ask your employer to take you off their policy?


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    #5
    bee06
    Registered Users Posts: 4,514 ✭✭✭bee06


    coylemj wrote: »
    I see the problem though your wife is hardly going to get into trouble for having married someone whose employer insures him through a different insurance company. If you're concerned about about being insured twice, why not just ask your employer to take you off their policy?

    Or take your wife off your policy and just insure you and your kids on your policy and your wife on her company policy. It all depends on which has the best cover though. You are paying benefit in kind on both policies at the moment so it is costing you money in extra tax.


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