Is it ever a good idea to opt out of private health insurance?

As health insurance hikes hit consumers in the pocket, some are considering whether they should cancel their plan. But it’s a risky decision, which needs to be weighed up carefully

Private health insurance prevents long waiting periods for diagnoses and elective surgeries. Photo: Getty

According to most recent figures, 2.44 million people in Ireland have private health insurance, with the average policy costing up to €1,600 each year.

But while faster access to treatment and a more comfortable hospital stay is reason enough for the majority of policyholders to continue paying hefty premiums, some people believe it’s not financially sound to hand over money each month on the off-chance they might need to use it in the future.

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