You premium is not affected by the use of your use of your insurance. It not like car insurance in that way. Also the majority of that bill would have been from the hospital and a very small part would have been for the consultant.

Someone once said “If you knew the cost of health care you’d never get sick”.
I do agree though – charging for the bed is overly much, especially when realistically speaking, there was most likely another person charged for the bed you were in for all of 5mins…

The premium is high because of all the crazy charges. It’s just like car insurance except not individualized.

The charge for the bed would be understandable if it was stripped and washed down completely before the next occupant , as it is in a ward. For 5 mins, somehow I doubt that is going to happen,

Nobody is saying the private health insurance market isn’t subsidising the public health system – quite the opposite actually! Were it not for this subsidy, the public system would be very much the worse for it!

Yeah I would say them prices are no where near the true cost. I’d say there well less. No one thinks of the cleaner, cook, washing of laundry, cost maintaining the bed its self. The porters the nurses, the lab staff and all the other support staff. Electricity insurance, water. And then theres the medication and equipment and other stock.

The consultants fees are robbery and you don’t even met them coz they have a dozen little minions doing there work for them.

If you’re private you meet the consultant… That’s the whole point…

Yeah but it’s just to shake hands. Nothing more. He’s not looking after you one of his minions is

Yeah, and? You’re not the only patient with health insurance and the consultant isn’t a one man band!

Funny how in other countries you can meet and actually speak with the person directing your care.

Different kind of service Censored! Here the service is what’s termed as “NCHD delivered”, which means that the NCHD does the work, in other countries the service is consultant delivered. Two very, very different setups!

That’s what I was saying I don’t want to see him unless I have to but the sad reality of it is they spend very little time dealing with patients for the money they are paid.

This is news to me , a newcomer to the net! Please explain, thanks, Mary O.

I understand but don’t like it.

I wonder if any of you guys (Abdul, censored) have actually been in hospital. My experience is that it is consultant-delivered in both public and private. This is just the usual lazy crap commentary about consultants all being bad money-driven old fellas who head off to the golf course and let their “minions” do the work. This is not the case. Have there been 1 or 2 who have screwed the system? Yes. But that does not represent 99% of the people working in the system. I’m not a consultant but have been working in hospitals quite a long time. The vast majority of consultants will fulfil their duty in public hospitals that they are contracted to do and usually ALOT more. Then in the rest of their time SOME will practice private healthcare, where usually they’ll be the only Dr seeing the patient

Who pays the consultants indemnity fees?

The consultants.

No, I think you should check for yourself. Nice guess though.

Are you paying for things twice?

Not twice James. More like three times or more. Income tax, pay related social insurance, universal social charge, not to mention insurance levies and health levies. My apologies, I’ve left out the property and water charges that are trundling down our way sometime soon.

Instead of moaning about the new charges, why can’t we be happy we got away with not paying them for so long? Every other Western country pays.

Insurance is like having a set of keys to the healthcare system. You open the door, let yourself in. Those without a key, stand and wait outside. Until they get to the front of the queue that is.

That is what they tell us (and want us to think) but when I asked they couldn’t provide the stats to prove it. What’s to stop me paying a consultant up until the point when he is going to do something and then telling him to do it in the public hospital. I still have not seen any stats on it or example scenarios. For this reason I see the system as a bit of a con. If everyone stopped paying tomorrow the problem would be solved

I don’t follow. Elaborate there

Paddy, you have violated a sacred rule. Do not cheat , this is the only reason I can fathom from your comment getting such lacklustre ratings.

Paddy, that’s a great question. Basically, the irish public system looks after everybody. If your care is urgent, you get treated as quickly as possible. For free, if you have a medical card. Everything else goes on a waiting list. The length of that list depends on demand, urgency, feasibility, local policies etc etc. Unfortunately, it costs the state a lot of money to treat all these patients, and this incentivizes the state to try to avoid doing so. Hence we have the HSE closing hospitals, operating theatres, “restructuring services”, etc etc. It is cheaper to pay middle managers to rearrange the deckchairs than to actually treat patients.

Where insurance kicks in is twofold. If your visit to the public hospital is urgent, you might get offered better treatment if you chose to use your insurance. It is rare to get a single room in a hospital in Ireland because they are all filled with patients who require isolation, but you might get placed in a two bed room instead of a six bed ward. If you are having a specialised treatment/investigation/ surgery, the consultant will do your operation. (if it is a difficult operation, they do it anyway, regardless. Otherwise it can be done by a trainee under supervision).

If your problem is not urgent, you can use your insurance to see a consultant privately. This may be in a public hospital, or in a private hospital. If a private hospital, you are seen by a consultant in their free time, outside of their public hours, or it may be a consultant who only does private work.

If you attend a private hospital, your medical treatment, radiology tests, surgery etc, are performed much faster than if you are on a public waiting list. If you attend a public hospital, your waiting times are variable, but because the hospital pockets the bulk of the cash made from insurance claims, the management encourage consultants to see as many private patients as possible. Consultants are offered to augment their salary by a maximum of 20% extra for seeing these private patients. The advantage of seeing a consultant in a public hospital is knowing they have achieved their position through a rigourous training and selection programme. You also have more “back-up” available if you have any complications with your treatment. This may or may not apply in the private sector.

There are different types or “plans” in your insurance, reflected by the cost of the premium. Some will only cover cost of emergencies. Some will let you see a consultant privately, but not cover your treatment privately (I think you raised this in your post- so you get seen quickly, but go on a public waiting list for treatment).
The insurance companies are all private, and they make a lot of money. They like young, healthy patients, and offer them attractive deals. They dislike older, sicker patients who cost them money, and so these clients have to pay higher premiums. Because there are limits to what they can charge (allegedly), the insurance companies need young clients to effectively cover the costs of the older patients. The VHI (state insurance) cried foul at newer companies taking all the young patients, so the government hit these other companies with penalties (so called risk equalisation)- So much for competition!! You can get more information from the HIA (health insurance authority) website.

From my own experience, an excessively private insurance based system (as in the US), offers very good healthcare to most of the population, and terrible or no care for the remainder. Which is wrong in my book. A universal healthcare system like Canada offers very good care to all, but you wait forever to get it. Which is not good in my book. A universal healthcare system like the Netherlands means everyone gets good, timely care, but is way too expensive for Ireland….and possibly the Netherlands also. An insurance based system like Switzerland, in which everyone buys insurance, and the state pays for those who cannot afford it, works very well. This means everyone gets covered, and those who want to get treated quicker can pay extra.

Ireland used to have a similar system also. Everyone got looked after, and those who had money could spend it on being seen faster. Paying patients essentially supplemented the cost of care for those who were less well off. Consultants supplemented low public salaries with money from private work. It worked well, although due to improper policing, a minority of consultants abused the system, making it unpopular.

The government plan to introduce universal healthcare in 2016. It is popular with the voters, but unfortunately destined to fail. Ireland cannot afford this model. It will make lots of money for insurance companies, and private hospitals who will “cherry pick” healthy patients. But the cost has to be borne by somebody- in this case,it will be the state. We will have a healthcare system like Canada alright, but, not having their money, it will be more similar to those other two countries with a similar healthcare system- North Korea and Cuba.

No, if you are in urgent need of care, there is no difference.

Incorrect statement, the Irish private medical insurance market is community rated this means that everyone is entitled to the same level of cover regardless of age etc. whilst insurance companies might recommend certain policies for different stages of a persons life old people can still buy policies marketed towards the younger lives at the very same cost

We need more competition, and a properly run healthcare system.

Ireland = KIP.

Consultants pay most of that fee to the hospital for staffing the procedure, the bed used, the admin used etc etc etc etc etc

Rory used to work in daycare in private hosp till this week…totally agree, obscene charges, major overhaul needed. We need to stop penalising the people who work there (Savin Croke Park), and overhaul the system in general, would save millions, cut down on civil action and generally make those who work there, and I mean ALL, those that work there, feel genuinely appreciated.

Check.this out. This is where we ate headed. Go this today from an email subscription; http://fauquierent.blogspot.ie/2013/03/the-problem-with-universal-healthcare.html?m=1