Case study: 'You never know when you will need it'
NORA Grant got two pieces of advice from her father when she started work.
Open a bank account and take out health insurance, he told her.
She took his advice and joined the VHI and has been a member now for more than 30 years.
The Tramore, Co Waterford resident has never switched.
She and her husband Aidan are on the VHI Healthcare's HealthPlus Access Plan, which used to be called Plan B.
Ms Grant admits she has never changed provider and the couple have stuck with the same plan despite some steep premium rises.
"I know what is covered in the plan and I don't want to lose anything by moving to another one," she says.
Her private health insurance came into its own when she had medical problems. At one stage she was seen by a consultant the day after visiting her GP and was on the operating table by the end of the week.
Ms Grant (pictured) had a tumour in her stomach a while ago and has had two operations recently for two slipped discs in her back and trapped nerves.
She is wary of relying on the public health system.
The couple, whose son Conor is doing a business degree, met in the old Post and Telegraphs, which is now Eircom.
Mr Grant still works in Eircom.
"Health insurance costs a lot of money but I would not be without it, because you never know when you will need it," Ms Grant said.