Lotsa details but bear with me! So, you pay about €10 a month which covers you and your family (or just spouse if no kids) The plan is only available in Ireland and the UK. You get access to a number of free specialist phonelines such as a 24/7 doctor phoneline, a legal phoneline, a medical info phoneline and a stress phoneline. You also get: http://www.hsf.eu.com/files/HSF-ROI-Direct-Schemes...
€80 per year for dental or optical
€130 per year for a practitioner such as physio, chiro, acupuncture etc etc.
€260 per yeear for specialists/investigations inc. allergy testing and health screeening
€125 per year for birth or adoption
€20 per night for hospital stays
€50 - €75 per year for "recouperation"
€20 per day for "day case surgery and treatments"
€95 per year for applicances and hearing aids
€5000 lump sum for permanent disability
€2500 lump sum for accidental death
These are all one off payments if you see what I mean, it's not as though you can make two or more claims in any one year for say dental, it's a maximum of, in the case of dental, €80.
We think it's a pretty good deal, if we never avail of anything or never even make a claim (and we probably would make claims) we still think that even for the 24/7 doctor line, legal advice line etc it's pretty handy. Ever hear of these people or is there something like this for such a low price where you live? http://www.hsf.eu.com/ Thanks.
Update:200 per night in hospital? Maybe if you don't have private health insurance or have what here in Ireland is called a Medical Card, if you have a med card medical bills are free, as are drugs, doctor visits etc but to have a med card you have to either earn under x amount, be a student or an OAP. The sytem in the UK is different, they have a national health service - free for all. We have med cards so personally for us this cash health plan could be rather good, a good "top up". Really like the 24/7 doctor phoneline.
Update 3:It's not designed to be relied upon as a stand alone product if you do fall ill.
Answers & Comments
Verified answer
Those limits are so small you'd use them up in one visit! Sure you'll get your money's worth ie your annual premiums are likely to be less than what benefits you can claim, but, you are going to need a fair bit more money in your pocket to cover the excess costs.
20 a night for hospitals, like the daily rate is probably 200 or more!
I'd pay more to get better cover ie higher limits!
It's seriously crap coverage if anyone gets sick.