Frequently asked questions related to health insurance plans

As per the data available from the Department of Health and Children, Ireland, approximately 50% of the nation’s population is under private health insurance coverage. If you are yet to opt for such a policy, it is best to get one now. Different questions come to mind when you think about an insurance policy. Before you buy one, here are a few of those along with their answers.

Why would you opt for a private plan? These plans usually offer coverage for hospital accommodation, both private and semi-private; coverage for consultant services (in-hospital); and coverage for other benefits like overseas treatment, maternity related complications, psychiatric treatment, and so on.

What is the maximum level of cover? Every insurance policy comes with a limit. There may be a limit on how many days of healthcare services you may avail, or a limit to the amount you can recover in case of suffering from a certain health problem. This is why you need to read the policy document with care before you sign it.

What category of hospital accommodation is available? Usually, private health insurance provides accommodation at private and semi-private hospitals. Most insurance plans specify the level of accommodation on offer. However, in case of unavailability, arrangement of lower level accommodation for the patient is made.

What maternity coverage can you avail? If it is a normal case of pregnancy and delivery, most health plans provide coverage for it under a separate section. However, if there are complications in the process, it is part of the hospital accommodation coverage. It is wise to know the details of the contract pertaining to this health issue beforehand.

Are consultant’s fees within the coverage? If it is part of the hospital accommodation, the consultant’s fees are within the plan. In many cases, your insurer gives you a list of the consultants whose services are within coverage. If you have a query in this regard, check out the contract document for the details.

If you are unable to understand any of the terms and conditions of the policy, be sure to ask your insurer to avoid later hassles.

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