Why the health insurance market is continuing to grow
2025/4/17
The Hard Shoulder Highlights
D
Dermot Goode
@Dermot Goode : 爱尔兰医疗保险市场持续增长，但增长速度正在放缓。尽管平均保费已达1740欧元，比两年前增加了300欧元，但目前仍有252万人（约占人口的46%）拥有医疗保险。保费上涨导致一些人，特别是年轻人，犹豫是否加入医疗保险。然而，由于公共医疗系统面临巨大挑战，等待名单人数众多，大多数人仍然选择保留私人医疗保险。未来12个月，随着保费上涨的影响显现，医疗保险市场可能会发生重大变化。一些保险公司允许在年中修改保单，例如增加子女保险，即使错过续保日期。投保儿童数量减少，这与公立医院免费收治儿童有关，但家长应谨慎，避免因取消保险后再次投保而面临五年内不覆盖既有疾病的风险。平均保费上涨，未来可能继续上涨，消费者应根据自身预算选择医疗保险计划。越来越多的人使用医疗保险进行理赔，这导致保险公司理赔支出超过预期。医疗通货膨胀是保费上涨的原因之一，但保费上涨幅度似乎大于理赔支出增长幅度。60岁以上人群的保费远高于平均水平，他们应避免自动续保，积极寻求更合适的方案。公共医疗系统负面新闻和效率问题导致更多人选择私立医院，从而影响保费。私立医院效率更高，周转速度更快，这增加了保险公司的成本。
Deep Dive
Despite a 12% increase in cost over the last year, health insurance in Ireland has reached 2.52 million people (46% of the population). The rate of growth has slowed, but it remains popular due to challenges within the public health system. Consumers can still adjust their plans mid-year with some providers, like Irish Life Health and Leia Healthcare.
- 2.52 million people (46% of the population) have health insurance
- Rate of growth has slowed down
- 15-20% increases expected in the next 12 months
- Irish Life Health and Leia Healthcare allow mid-year cover amendments