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Old 14.01.2021, 11:16
meloncollie meloncollie is offline
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Re: Should I get supplementary insurance?

I don't have supplementary insurance, specifically private or half-private, because I did not qualify for it when I moved here.

At first it didn't make any difference, as I was never sick, only saw the doctor once a year for routine checks. However as I grew older there have been several times when I wish I had it, as with it I would have had access to certain specialists and a different level of hospital care.

This is very much a YMMV situation. I live in an area with a small hospital, one that does not have many of the bells and whistles, and there are not many specialists practicing in the area. Having only basic insurance has at times limited my care options. If you live in a more urban area you likely have a wider choice of hospitals and specialists, urban hospitals often can recruit top younger staff more easily, so you might not need a higher level of insurance.

One option you might consider is the 'flex' addition to your basic insurance. IIRC most insurers offer something along these lines. With this package you can upgrade a hospital stay, both accommodation and seniority of attending doctor, should you ever want/need it. The additional monthly premium is not too much, and the self-pay for such an upgrade per stay, last time I looked, was only 4-5K.

If you browse the forum you'll find several threads on this topic, and you'll find posters whose experiences have been the opposite of mine, who have had no trouble accessing top level care with only basic insurance. As said, YMMV.

You might not need/want 'better' insurance now... but down the road, when you no longer qualify, you might wish you had it. It's a roll of the dice.
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