Consumer information

If you have a break in cover from Irish Health Insurance for 13 weeks or more, you will be considered a new joiner to the market and may be subject to waiting periods and LCR loadings. 

In general, health insurance policies are 12-month contracts. All insurers must provide a 14-day cooling-off period from the commencement of the contract, during which time you may cancel and get a full refund. No claims will be paid in respect of these 14 days.

Understanding claims and excesses when it comes to health insurance.

Frequently Asked Questions about all aspects of health insurance.

Explaining common health insurance terms in plain English.

Lifetime community rating is a system whereby the premium that individuals pay for health insurance rises with the age they enter the private health insurance market, but does not vary in relation to their current age.

Health insurance queries relating to Maternity/Fertility.

Media that the HIA has produced.

Information to consider when selecting your health insurance plan.

Information to consider when switching health insurers or plans.

When you take out health insurance for the first time, or it has been more than 13 weeks since you last held private health insurance, you may have to serve waiting periods before you are fully covered, but accident and injury will be covered immediately.