I went to check our VHI cover but it had been cancelled over a year ago without us knowing

' Vhi ’s hands are tied by the health insurance framework that exists in Ireland and it can’t just forget about the break in cover and carry on like it did not happen.'

For donkey’s years we had been on the Pope family policy but after getting a job in The Irish Times – or at least on The Irish Times website – we were cast adrift and told to take out a policy of our own. When we tried to renew our cover we were told that there would be a waiting period before it would kick in.

Anyone who takes out health insurance when they are over the age of 35 has to pay an extra 2 per cent of the gross cost of the policy for each year above the age of 34 that they didn’t have health insurance The difficulty for Bee is that she now finds herself being treated as if she never had health insurance at all and she is in her 50s which means she is being hit with a significant loading fee for the lapse in cover.

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