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Changing health insurance mid-term

  • 20-07-2015 12:56pm
    #1
    sillysocks
    Registered Users, Registered Users 2 Posts: 2,644 ✭✭✭


    I have health insurance since early January with Aviva, for myself, my husband and two children. The policy cost us around 1,400 and we pay monthly to Aviva (around 115 pm).

    I got a new job which gives health insurance for me and my children. So I had hoped to cancel our insurance to use the new employers one, and leave my husband on the Aviva policy that we had (or even maybe get him a better policy). I rang Aviva and they're saying because I'm listed as the main adult if I want to leave we must cancel the policy in full for all of us and then my husband can sign up again in his name. Which isn't too bad until they tell me there would be a cancellation charge of €400 eur to cancel from the start of August.

    This seems madness given that to just continue paying for all 4 of us for the 5 months left would only cost €580 in the direct debits. If we pay 400 to cancel we'd still have to pay for the next 5 months for my husband anyway.

    Does anyone know if there is any way around this - I didnt think to ask but would they allow us to change the main name and then a few weeks later we could cancel us as 'dependants'? Guessing not but worth a chance maybe.

    If I can only cancel with paying that charge I presume my best option is to ask my new employer not to sign me onto their health insurance until January (because I would have to pay BIK on that once I'm on it).

    Very frustrating situation!


Comments

  • #2
    uck51js9zml2yt
    Closed Accounts Posts: 18,268 ✭✭✭✭uck51js9zml2yt


    Its a 12 month contract. No way out I'm afraid bar to pay the cancellation fee.


  • #3
    PaulM1977
    Banned (with Prison Access) Posts: 210 ✭✭PaulM1977


    Had this problem ourselves, my wife was given health insurance through her work. Aviva sent out a cancellation fee letter for our existing policy which was to be stopped after notifying them. They sent another one and another one. They stopped after that. Haven't heard from them since.


  • #4
    LostArt
    Registered Users, Registered Users 2 Posts: 1,816 ✭✭✭LostArt


    Yeah, you'll get letter after letter but it's not worth their while to go any further


  • #5
    sillysocks
    Registered Users, Registered Users 2 Posts: 2,644 ✭✭✭sillysocks


    Thanks for the replies. It might sound stupid but I really don't fancy getting demand letters and ignoring them. I'm thinking now the best way to go is not to take the health insurance from the new job until my current policy is up in January.


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