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    • Optional

      • Private health insurance in Ireland is optional and offers valuable support should you or a loved one fall ill. So, although health insurance is not compulsory, you may choose to purchase it because it offers extra peace of mind and cover for unexpected costs when you’re at your most vulnerable.
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  2. You do not have to buy private health insurance in Ireland. If you are ordinarily resident in Ireland, you can access public health services for free or at a reduced cost. The main benefits of private health insurance in Ireland are: Cover for hospital accommodation in a private or shared room.

    • Switching Insurers
    • Waiting Periods If You Switch Insurance Company
    • Lifetime Community Rating
    • Charges If You Start Health Insurance at 35 Years Or Older
    • Breaks and Stops in Health Insurance
    • Moving to Ireland from Abroad

    In general, health insurance policies are 12-month contracts. All insurers must provide a 14-day cooling-off period from the start of the contract. During these 14 days, you can cancel or switch insurance company and get a full refund. No claims will be paid for these 14 days. See below for more information about waiting periods when you switch.

    You can usually switch your health insurance company without a loss of cover if you complete the switch within 13 weeks of the previous policy ending. In this case, you do not have to serve a waiting period again if you have already served a waiting period for a pre-existing condition, or a waiting period due to your age when first taking out priva...

    Lifetime community rating means that the amount you pay for health insurance does not depend on the age you are now but can be higher depending on the age you were when you first took out health insurance. This applies only to people from age 35 and above. For example, a 50-year-old who has held insurance since they were aged 30 would pay the same ...

    Higher charges apply if you are 35 years of age or older when you first take out health insurance. If you are aged 35 or above but you already have health insurance, the cost of your health insurance will not change based on your age. There is a 2% increase in price (known as a loading) for each year over 34 years of age. For example: 1. If you are...

    If you previously had health insurance, you can be given credit for the time you were insured. This will reduce your loading. If you have a break in cover of less than 13 weeks this will not affect your loading. If you stopped your insurance cover for periods of unemployment since 1 January 2008, up to three years of credits can be provided.

    If you live outside Ireland and move to Ireland, a loading will not apply if you get health insurance within nine months and continue to be insured. Read about getting health insurance after you move to Ireland. For more information, see the HIA website section Lifetime Community Rating Explained.

  3. Mar 24, 2015 · All private health insurance providers in Ireland are registered with the Health Insurance Authority (HIA), the country’s independent regulator for private health insurance. The HIA website also provides information about your rights and advice on how to select your plan.

  4. Yes. Any person who is ordinarily resident in the Republic of Ireland can buy health insurance regardless of age, gender, health status or medical history. However, you may have to serve waiting periods when you first buy health insurance.

  5. The Health Insurance Authority is the State body that regulates the private health insurance market in Ireland. Compare health insurance. Information about health insurance. Health insurance doesn’t need to be confusing. We’re here to make things clear.

  6. Private health insurance in Ireland is optional. When you are ordinarily resident in Ireland, you can get public health services for free or at a reduced cost, so you don’t need to pay for private healthcare if you don’t want to.

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