On the plus side, there is real choice in the market when it comes to provider and type of insurance policy.
Many consumers remain on their existing health insurance cover simply because they find it too difficult to make like-for-like comparisons. With our unique experience and expertise, we can do this for you.
How we can help:
Complete a brief analysis of your requirements to establish the best cover for you and your family.
Compare all four health insurers in the market based on your requirements
Aviva, Glo Health, Laya and VHI.
Help you understand how the introduction of Lifetime Community Rating on 01/05/15 will affect you and your family.
In many cases, we may be able to source better health cover for you from your existing provider.
Offer free impartial advice including a full explanation of all product differentials.
Explain the different levels of cover so that you can decide which option best suits your needs.
Key Considerations when buying health insurance:
Additional cover options you need to consider:
Day-to-day cover such as GP visits, routine dental, physiotherapy and other costs. Before adding this to your health cover, it is important to calculate what your average annual spend is, as you normally only get a refund of approximately 50% from the insurer.
If you are planning a family, you should note that all insurers only give a ‘grant-in-aid’ towards private maternity, so you will never be fully covered for these costs.
Access to hospitals such as the Mater Private, Blackrock Clinic or the Beacon.
Let us know if these are important for you, and we’ll explain your health cover in detail.
By considering these aspects, you are better positioned to select an appropriate plan that suits your individual requirements. As these will change over time, we recommend that you have your cover reviewed on an annual basis to ensure that you hold appropriate health insurance cover at all time.