Did you know that over 80% of people in Ireland are paying more than they should for Health Insurance?
Alpha Health provides simple professional advice on the 3 providers (VHI, LAYA, and Irish Life Health) in the Private Health Insurance market.
Why choose health insurance?
Understanding the building blocks of Health Insurance can help you avoid confusing, even misleading, lingo, which will ultimately end up saving you money.
Health insurance gives peace of mind that you will receive medical treatment quickly and where you want to without having to face lengthy HSE queues or bureaucracy.
While the HSE will usually provide treatment, patients may not know how long they will be on waiting lists for and therefore opt for private medical insurance to aid a swift recovery.
Different types of cover
Health insurance can take several different forms. With most private medical insurance policies, you pay a monthly premium and the policy will then pay out, up to specified cover limits, for any treatment you might need. It is possible to reduce the cost of cover by demonstrating you lead a healthy lifestyle, for example, by going to the gym regularly.
There are also health cash plans. These will contribute to your routine healthcare costs. They work by paying out a cash sum whenever you visit a dentist or other medical practitioner, such as a chiropodist or optician, which you can spend on what you want. Always remember that your health is your wealth.