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Health Insurance Question

  • 28-11-2016 10:57pm
    #1
    Lorr
    Registered Users Posts: 59 ✭✭


    This is probably a ridiculous question, I'm getting health insurance for the first time and fairly confused by the everyday medical expenses. What does it mean if it says something like "Up to €40 per visit" what exactly does that mean?

    Do they only cover that amount or would the most I have to pay towards it be that?


Comments

  • #2
    Tow
    Registered Users, Registered Users 2 Posts: 7,812 ✭✭✭Tow


    It means:
    If your Dr. charges you €60 they will pay you €40, so the visit costs you €20.
    €20 is then the maximum you will be able to claim tax relief back from Revenue, so revenue will only refund you €4.
    Cost of visit to the Dr. = €16.

    I had this for years, but to be honest unless you are regularly going to the doctor etc, it may not be worth the extra cost.

    When is the money (including lost growth) Michael Noonan took in the Pension Levy going to be paid back?



  • #3
    peteb2
    Registered Users, Registered Users 2 Posts: 1,813 ✭✭✭peteb2


    Why can't you claim the full amount back on med 1? You paid 60 to start with. You just happen to have paid 1000 at least for a policy that gives you a benefit.


  • #4
    Tow
    Registered Users, Registered Users 2 Posts: 7,812 ✭✭✭Tow


    You already got tax relief on the cost of the medical insurance.

    When is the money (including lost growth) Michael Noonan took in the Pension Levy going to be paid back?



  • #5
    peteb2
    Registered Users, Registered Users 2 Posts: 1,813 ✭✭✭peteb2


    Tow wrote: »
    You already got tax relief on the cost of the medical insurance.

    And then paid a bleeding levy!:(


  • #6
    exaisle
    Registered Users, Registered Users 2 Posts: 2,675 ✭✭✭exaisle


    peteb2 wrote: »
    Why can't you claim the full amount back on med 1? You paid 60 to start with. You just happen to have paid 1000 at least for a policy that gives you a benefit.

    Because of the €60 you paid out, you got €40 back from the insurance company so you're only €20 out of pocket.


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  • #7
    antoinolachtnai
    Registered Users, Registered Users 2 Posts: 9,809 ✭✭✭antoinolachtnai


    exaisle wrote: »
    Because of the €60 you paid out, you got €40 back from the insurance company so you're only €20 out of pocket.

    Insurance for doctors visits is not by and large good value. You are better getting a basic package with large excesses and having a fund to meet this type of expenses.


  • #8
    Lorr
    Registered Users Posts: 59 ✭✭Lorr


    I'm not too bothered about GP costs but would like something that helps with consultants (just in case).


  • #9
    coylemj
    Registered Users, Registered Users 2 Posts: 25,476 ✭✭✭✭coylemj


    Lorr wrote: »
    I'm not too bothered about GP costs but would like something that helps with consultants (just in case).

    That will be documented separately in the list of benefits. You mentioned €40 per visit which I suspect is for visits to the GP and/or dentist, you should expect to get 'up to' about €80-100 per consultant visit under that type of scheme.


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