Frequently Asked Questions – For Individuals
What do I need 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.