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Will medical insurance premiums increase if I file a claim?

  • 24-07-2019 5:49pm
    #1
    masterboy123
    Registered Users, Registered Users 2 Posts: 5,793 ✭✭✭


    My other half was admitted in a public hospital, semi private room and we used our VHI insurance for the first time. We have basic one plus cover. It was an emergency surgery and required 4 days inpatient hospital treatment.

    Will the premium increase at next renewal?

    Thanks so much


Comments

  • #2
    Beasty
    Administrators, Social & Fun Moderators, Sports Moderators Posts: 77,053 Admin ✭✭✭✭✭Beasty


    There may be a general increase but in Ireland everyone gets the same rate on the same policy. There's no such thing as a "no claims bonus" or loading premiums because of claims (clearly motor insurance is very different)


  • #3
    masterboy123
    Registered Users, Registered Users 2 Posts: 5,793 ✭✭✭masterboy123


    Glad to hear that it's different from Motor insurance, thought no claim bonus will be effected now.

    It's a great service so.


  • #4
    masterboy123
    Registered Users, Registered Users 2 Posts: 5,793 ✭✭✭masterboy123


    Forgot to ask,
    Consultant need to review after 2 weeks in his clinic. Is that usually covered by vhi?


  • #5
    L1011
    Registered Users, Registered Users 2 Posts: 69,290 ✭✭✭✭L1011


    masterboy123 wrote: »
    Forgot to ask,
    Consultant need to review after 2 weeks in his clinic. Is that usually covered by vhi?

    Depends entirely on plan, could be not at all, or a part payment (reclaim basis). You'll need to check the policy docs


  • #6
    daheff
    Registered Users, Registered Users 2 Posts: 5,871 ✭✭✭daheff


    masterboy123 wrote: »
    Forgot to ask,
    Consultant need to review after 2 weeks in his clinic. Is that usually covered by vhi?

    depends on your cover. some cover part of fee some dont. you can claim tax relief on anything not covered (20% iirc)


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  • #7
    Sunrise_Sunset
    Registered Users, Registered Users 2 Posts: 1,215 ✭✭✭Sunrise_Sunset


    I got my renewal this month. My policy is with VHI. They announced increases recently. My policy increased by about 6 euros per month. That covers my 2 kids too.
    Regarding the Consultant, it depends on your policy. Give them a ring to ask them if it's covered. My policy covers 50% of unlimited Consultants visits.


  • #8
    coylemj
    Registered Users, Registered Users 2 Posts: 25,479 ✭✭✭✭coylemj


    masterboy123 wrote: »
    Forgot to ask,
    Consultant need to review after 2 weeks in his clinic. Is that usually covered by vhi?

    As others have said, it depends on your plan.

    But it also depends on the consultant. I had a minor procedure in a private clinic a few years ago and went back to the consultant a few weeks later for a scheduled follow-up. When I was leaving, I expected to have to pay for his time but his secretary said that the follow-up consultation was included in the fee he charged the VHI so I didn't have to pay for it.


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