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Dublin: 10 °C Saturday 18 May, 2013

Less than half of Irish population have health insurance cover

New figures from the Health Insurance Authority show that 47 per cent of the population are covered by inpatient health insurance.

Image: Andrew Parsons/PA Archive/Press Association Images

NEW FIGURES FROM the Health Insurance Authority (HIA) have shown that less than half of the Irish population have inpatient health insurance cover after 66,000 people dropped their cover last year.

The figures released yesterday show that 2.163 million people had cover at the end of last year meaning that 47.2 per cent of the population are covered.

The fall of 66,000 over the year included a decline of 9,000 over the final quarter of 2011. The number of people with health insurance has been in decline since 2008.

The HIA figures also show that the average premium paid by each insured person last year was €926 – a 6 per cent increase on prices in 2010. The total amount of that was paid in health insurance premiums last year came to €2.03 billion, an increase of 4 per cent from 2010.

The figures also showed that 103,000 people were insured with policies solely providing outpatient benefits or health insurance cash plans.

Planned increases by health insurers are set to come into effect tomorrow.

Customers with VHI, Quinn Healthcare - now Liberty Insurance – and Aviva who are renewing their policies in March will see their premiums rise by as much as 12.5 per cent.

Health insurance costs have soared by over 60 per cent over the past year when the premium hikes coming into effect tomorrow are taken into account.

The government is looking to eventually introduce a universal health insurance scheme in Ireland which would it says would end the “unfair” two-tier health system in the country.

Read: European Commission sends formal notice to Ireland over VHI

Read: Expert group to examine universal health insurance proposal

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Comments (10 Comments)

  • Its too dear. Simple as that

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  • I’m a fit healthy 30yo, iv only used my private health care once and that was 5 years ago when I broke my arm AND it was when I was living in the UK using my BUPA uk!
    I came home s few months later and moved to VHI cos BUPA had pulled out! In that time iv never used it yet my fees went up from €45pm to €82!!! How can I be expected to afford that? Especially when the service here is far inferior to that given to private healthcare in the uk!
    Sorry but purse strings are way too tight for the greed and inefficiency of Irish healthcare!

    Reply
  • I fully expect this trend to continue, it’s disgraceful how excessive these regular price increases are. What’s also shocking is the fact that a private room in our local hospital, WRH cost over €1000 per night in the maternity wards, mind you, the do throw in for freethe blood on the walls and shower of the ensuite bathrooms. We’ve three kids, all born in WRH over a period of 11 years and nothing has changed during that time.

    The fact that these insurance companies are just handing over payments for these fees is bloody shocking, consultants charging hundreds of euros for sometimes 5 mins of a consultation.

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  • why on earth should anyone fork out for private health insurance. thats what prsi is for. yet we remove the requirement for our system to improve by relying on going private, which in turn exploits the living daylights out of ordinary people who are so afraid of becoming ill because what public health offers can prove so inept.

    Reply
  • Very expensive. Open up the market to more competition. Competition is the only thing that makes any product or service cheaper.

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  • jimbo 29/02/12 #

    Is it a wonder its continually rising does not take a rocket scientist to work that out..

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  • It pains me seeing the direct debit leave the account each month but there’s no doubt about it, it’s a must.

    We have a public system, it functions (just about) but it gets the job done & if you have an ailment, drop into your local A & E, make no plans for the next 2-3 days & eventually you’ll get seen. The difference with private is going to Blackrock or the Beacon, having a room, seeing whatever specialist you need from the outset (eg cardiologist) & having privacy, sufficient level of tests & examinations & ultimately finding an answer. In the public system you’ve to wait weeks or months for OPD appointments but in private they call you and ask what time suits you.

    I have done the public system. It’s awful. The staff are great for the most part but they’re so stretched & overworked that you feel guilty asking them for help. I’m now fully private & it’s like the difference between a 2 star hostel on Capel St versus the K Club! Health insurance is only useful when you’re sick but by God is it useful then!!!!

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  • Why on earth would anyone pay private medical in this country? You get treated by the same doctors and nurses in the same hospitals in the UK they have their own hospitals that are more like 5* hotels with their own treatment facilities for radiotherepy cat scans mri etc so that is you are unlucky enough to suffer from major life threatening illnesses you can be treated locally and not trek half way across the country every week or month to stay alive. You also don’t get robbed for extra fees either. Its just a racket here to try and make people pay twice for the same level of service.

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  • louise 29/02/12 #

    Wonder why???? Duh

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  • We are seriously wondering why we need it anymore. I had a lot of outpatient appointments last year with tests etc, expecting to be able to put in a claim at end of year as I thought I was way over my excess. But no, they wouldnt process claim, I need to contact AVIVA as to why as their reasoning makes no sense! I dint understand why we pay so much but get nothing back!? am afraid to get rid of it but it’s just a financial burden now.

    Reply

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