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@resjudicata Employer plans are generally offered on a moratorium basis so if you come with pre-existing injuries and ailments there are no waiting periods. Some employers, if they are large enough, will offer variable levels of cover so you can pick a lower cover if you like. Employer paid...

@resjudicata It doesn't, but it does have caps. Daycare and outpatient procedures cannot be notified in advance so you've to pay out of pocket and get reimbursed. There are also caps in place; for example they will only reimburse €178 per private consultation. I've been on the private UK train...

@resjudicata The NTPF prioritises patients eligible for it based on their waiting time. There are 65k+ on the waiting list, so depending on what you need and what that specialty waitlist looks like you could be waiting a while even with the NTPF; it is not the case that because it says 3 months...