I was under the impression that the National Healthcare (i.e. medical card) covered everything & that private insurance was not necessary (if you don't mind waiting). Is that so?
: Long term car leasing is available, but there
: are no advantages other than for businesses
: who can deduct the costs as business
: expenses. You still owe the full cost of
: whatever hasn't been paid off at the end of
: the lease. The only significant plus is that
: maintenance is covered - but you're paying
: for that privilege whether you need it or
: not. Also, you'll only be able to lease
: almost new cars - which cost more.
: Health costs are rising fast. The main
: problem is that you have to wait for
: coverage for pre-existing illness even after
: buying into a health care plan. Below is
: Aviva health care's rules, but they're
: exactly the same for all three health
: insurers since this is the deal they all
: worked out with the government.
: Exclusion periods for pre-existing
: This exclusion applies to all in-patient
: benefits offered under your plan and cover
: for out-patient scans.
: If you have a pre-existing condition, as
: determined on medical advice, then the
: following exclusion periods will apply
: before any claim will be paid relating to
: that condition. Please note that these
: periods begin to run from the date you first
: become insured under any health insurance
: contract and do not start again on becoming
: a health member with Aviva unless there has
: been a lapse in cover of over 13 weeks.
: If this exclusion for pre-existing
: conditions applies, the length of the
: exclusion period is as follows:
: •persons aged under 55 on date of joining–5
: •persons aged 55-59 on date of joining–7
: •persons aged 60 or over on date of
: joining–10 years
: Please note that a pre-existing condition is
: determined from the date the condition
: commences rather than the date upon which
: the member becomes aware of the condition. A
: pre-existing condition may therefore be
: present before giving rise to any symptoms
: or being diagnosed by a doctor.
: That last paragraph is a real kick in the
: teeth. Where does that leave cancer
: coverage? However, the national health care
: - once you're in the system which is the
: main thing private insurance is designed to
: speed up - will take care of you for major
: medical hospitalisation if your private
: insurer does not cover you.
: --Previous Message--
: Thanks, Scott. What about the National
: Healthcare program? I understand about the
: waits, but here in the states you have to
: wait, too - even with premium (i.e.
: EXPENSIVE) insurance and then the insurance
: companies seem to only want to pay for
: medical care in a month with a "Q"
: in it!! I have to fight for every nickel
: they pay. Re: the car---is long-term
: leasing available? & might that be an
: --Previous Message--
: Thanks Pam for the sugggestion. It's really
: tax matters and health insurance that
: retirement needs are particular concerns. In
: the health insurance, it can be years before
: you older people are fully covered,
: particularly for pre-existing illness. Your
: plans sound reasonable, but I think you'll
: find that public transport to small villages
: in the west (bus, basically) is erratic and
: won't suffice. Doctor appointments, special
: shopping outside the local stores, and
: suchlike will likely prove too difficult
: without your own set of wheels.
: Your plans to rent are the best since house
: prices are still falling and so are rents
: outside of Dublin and Cork. Part of the fun
: of the first months will be visiting
: different areas and seeing for yourself what
: meets your requirements. Again, you'll need
: a car for this.
: A decent used vehicle and insurance proof
: from your overseas insurance provider of
: no-claims will get you up to 3 years
: no-claims bonus. Figure under one thousand
: euro for car insurance and another one
: thousand for petrol and maybe another 3,000
: per year in car payments - more or less
: depending on the age of the vehicle,
: guarantees, etc. There are lots of privately
: available cheap vehicles - just so long as
: they'll pass the annual car test.
: --Previous Message--
: My husband & I are planning to retire to
: Ireland within the next 2 years. I am an
: Irish Citizen (by descent) & he is not.
: He will be a legal resident of Ireland based
: on his marriage to me? Financially, we
: will each have our US Social Security income
: and the proceeds from the sale of our home.
: We plan to rent a furnished place somewhere
: near the west coast of Ireland - hopefully
: near the water (my husband is an avid salt
: water fisherperson) but also within a
: village (walking distance to amenities) -
: we really don't want to have to buy a car,
: we'd rather rent or lease one when we want
: to travel. I'd love to see more about
: retiring to Ireland on your website.
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