49. I ALREADY HAVE HOSPI SAFE SICKNESS/ACCIDENT THROUGH AFILIATYS. I’M NOW AND WILL BE RETIRING IN 2020. SHOULD I NOW CANCEL MY HOSPI SAFE POLICY AND SWITCH TO THE MAJOR RISKS/ACCICENT POLICY NEGOTIATED BY AIACE WHOSE PREMIUM IS LOWER?

Unless you choose to cancel your HOSPI SAFE policy (negotiated by AFILIATYS), it will automatically continue on retirement.  It covers the same risks as the MAJOR RISKS/ACCIDENT policy negotiated by AIACE.

In so far as HOSPI SAFE is concerned, for the 61+ age group, the premiums as from 01/01/2020 will be:

€242.99 for HOSPI SAFE SICKNESS/ACCIDENT (no deductibles)

€178.41 for HOSPI SAFE SICKNESS

As far as the MAJOR RISKS/ACCIDENT, the premiums are as follows:

 

 

Major risks (without accidents) Major risks with accidents
With no deductibles 224 251
With a deductible of €100 195 219

 

IMPORTANT: the HOSPI SAFE premiums remain the same (apart from contractual indexation foreseen under point 18).  Such is not the case for other policies covering the same risks as premiums can be revised in line with statistical data.[:]

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