Comprehensive Solutions for Individual Clients

We understand that, one size does not fit all when it comes to meeting the health insurance needs of your family.

With over 300 different plans currently available on the Irish Health Insurance market and four insurers, it can be extremely difficult to ensure you are getting the plan that best suits your individual needs and budget.

We at Irish Health Insurance address the needs of each member of your family to ensure that all your needs are met.

We will review your cover every year at renewal to ensure you are still getting the best benefits available and that your health insurance is keeping up with any changes in the market.

Switching Provider

It is important to remember that there is no break in cover, no new exclusions and no re-serving of waiting periods if you are switching from a comparable plan with your current health insurance provider.

We will contact you

Talk to us today. Please leave a message on our Contact Us page and we will call or email you back.

Frequently Asked Questions - For Individuals

What do I need to do to get covered?

We can organise cover for you straight away over the phone or by having you completing a simple application form. There are no medical questions just some basic details such as names, dates of births, the policy holders PPS number , home address and level of cover selected, it is that simple.

Can I transfer from my current insurer? How does this work?

We provide you with a letter which you simply forward to your current health insurer instructing the cancelation of your existing policy while we set up your new policy ensuring there is no gap in cover. It is worth noting however that all policies are now annual contracts and as such you may only be able to switch insurer at renewal. There are however certain exceptions.

How do I pay my health insurance premium?

You can pay by monthly direct debit, annual credit/debit card or cheque annually.

Will I be covered straight away or is there a waiting period to serve?

When switching provider, there is no break in cover, no new exclusions and no re-serving of waiting periods if you are switching from a comparable plan with your current health insurance provider.

However if you are taking out health insurance for the first time there will be waiting periods and there may be extended waiting periods applied if you have a pre existing condition at the time of first taking out cover. A member of our team will go through all details with you.



Waiting Periods

New Customer Maximum Waiting Periods
Your age on Joining Accident And Injuries Illnesses that commence after you join Illnesses that commence before you join Maternity Related Claims
Under 55 None 26 weeks 5 years 52 weeks
55-59 None 52 weeks 7 years
60-64 None 52 weeks 10 years
65 or over None 104 weeks 10 years

Infants born to policy holders will not serve a waiting period if they are added to a policy within 13 weeks of their date of birth.


Outpatient

Age group at time of switching plans Waiting periods applied to new customers for out-patient benefits
Your age on Joining VHI Healthcare Aviva Health & GloHealth Laya Healthcare
Under 50 Immediate Cover Immediate Cover Immediate Cover
50-54 26 Weeks Immediate Cover Immediate Cover
55-64 52 Weeks 52 Weeks Immediate Cover
65 and over 104 Weeks 104 Weeks Immediate Cover
Maternity Benefits 52 Weeks 52 Weeks Immediate Cover

Infants born to policy holders will not serve a waiting period if they are added to a policy within 13 weeks of their date of birth.