Why bother taking travel insuranceI? It is usually not needed but when it is needed, it can save you thousands. When medical issues happen they are rarely resolved by one visit to a consultant. And while everyone says why bother when nothing goes wrong, they are very grateful they have insurance if/when things do go wrong.
€1500 a year plus outlays for GP/dental/medication itself is a large amount for someone on minimum wage.
If the OP needs antibiotics and is charged €65 for the GP visit plus €20 for the medication, that is €85 to magic up when she will already be scraping by.
Minimum wage €452 for adult 20+
(€407 for 19 year old and €362 for 18 year old who may not have this as they may return to education so let’s work on the guaranteed figure for one adult ).
Electricity/gas is extortionate - €250-600 per month. Phone €25-40 per month per person. Broadband €35 per month, Car tax and insurance and car maintenance at least €100 a month, Property tax, house maintenance, public transport expenses (€50+ per week per adult, food and toiletries x 3 adults €700 per month iie if very very good at budgeting.
Add in some discretionary spending - a hair salon €50 min. if she goes to a small unknown salon and doesn’t colour her hair, a coffee shop once a week €4 for coffee and €4 for a slice of cake.
PHI x 1 adult €50 per month
Clothes, shoes etc x 3 people.
It’s simply not going to work.
Teenage sons will need spending money.
Potentially add in the GP visit and meds €85 once or twice a year.
or the opticians and getting new glasses €€€
I’ve totted this in minutes - and have left loads out.
The OP will have a house in a disadvantaged or rural area and will be scrimping and saving every cent.
It’s pie in the sky.