Health Insurance Ireland

Shorter waiting times is just one of the cover benefits.

Updated

Private health insurance can help you cover the cost of many treatments, including at private and high-tech hospitals, as well as some out-of-hospital services such as dental care. Depending on your plan, you could also benefit from a range of extras, from ‘digital doctor’ to shorter waiting periods and more.

Read on to find out what you should know before choosing a health insurance plan.

How to compare health insurance

It can be tricky to compare apples for apples with health insurance. Whether you’re switching or looking for the first time, here are a few tips that may help. They may even save you some money.

  • Explore all your options. There are over many health funds in Ireland; don’t just stick on the same policy as your parents or friends. It’s a regulated industry so you can feel safe exploring your options.
  • See what you’re actually paying for. It’s up to you to decide what type of private health insurance you need cover for. Review your extras limits, and make sure you claim them every year. Drop the things you’re not using.
  • Review your policy type. If you’re on a couples’ policy, see if you both need to be on the same level of cover or if you’d be better off looking at two singles policies (if one of you is pregnant, or planning to be, for example).
  • Switch and use deals. Before switching funds, make sure you’ll be able to carry over your waiting periods. Make sure you check out any sign-up deals every time you switch to save cash.

When comparing health insurance, the treatments and extras you’re covered for will vary based on the price you pay. If you want insurance that covers someone other than yourself, you may want to research child, family or joint health insurance.

Three benefits of health insurance

Hospital
Choose your hospital.

No need to travel miles out of the way. With private health insurance, choose the hospital that suits you best.
Waiting list
Skip waiting lists.

Nobody likes waiting around. Private health insurance allows you to skip the public waiting queue.
Heart
Peace of mind.

Rest easy knowing that health insurance has you covered, should anything go wrong.

What affects the cost of health insurance?

There are a number of things that can affect the cost of your health cover, including:

  • Your age. The cost of cover tends to increase as you get older. That’s one reason it’s always a good time to look into your health insurance options.
  • Your job. Working in an industry that’s considered a higher risk of injury, such as construction, could increase your premium.
  • Lifestyle factors, including if you smoke. The more healthy you are means the better your chance of finding a competitive premium.
  • Pre-existing medical conditions. You may find it hard to get cover for chronic conditions such as high blood pressure or arthritis.
  • Your cover level. A comprehensive policy that covers you for the most eventualities will be more expensive.

Frequently asked questions

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