Legal

IMPORTANT: Please read these terms carefully. By accessing or using any part of this website or the comparison tool you accept and agree to be bound by all of these terms.

Our role: The Health Insurance Authority offers this website and the comparison tool to provide an independent overview of the features and benefits of regulated private health insurance products currently offered to consumers in Ireland. It aims to help you make an informed decision on the health insurance products that may be right for you and your loved ones. It is intended as a high level guide only and is not an official statement of benefits. It does not offer recommendations or endorsements. It does not purport to offer insurance, financial, legal or other advice from or on behalf of the Health Insurance Authority or anyone else. The Health Insurance Authority is not an insurance advisor and is not able to advise you on what product is suitable for you. You should seek independent insurance, financial, legal or other advice to check how the information on this website and the comparison tool relates to your particular circumstances.

Your obligations: You assume sole responsibility for results obtained from your use of the website and the comparison tool and for conclusions drawn from such use. You are ultimately responsible for selecting which health insurance product is best for your needs. The purchase of private health insurance is an important decision and you should therefore check the full plan and price details directly with the relevant insurer before making your choice. You should keep in mind any features that are of particular importance to you as well as any exclusions. For example, hospital and consultant cover may differ between insurers so if a particular hospital or consultant is important to you, you will need to check with the insurer. If you wish to purchase health insurance and enter a contract with a health insurance provider you are responsible for reviewing their terms and conditions to ensure you are comfortable with them.

Information: We are reliant on many third parties to provide us with the information for this website and the comparison tool. As such, while we attempt to ensure the correctness and timeliness of information on this website and the comparison tool it is offered on an “as is” basis. We cannot guarantee the completeness or accuracy of the information available on this website and the comparison tool and take no responsibility for any errors or omissions. The price and plan details do not reflect scheduled changes which have not yet been implemented.

Disclaimer: To the fullest extent allowed by law: (a) the use of this website and any comparison tool is at your sole risk and we don’t guarantee it will be secure, virus free, continuously available or free of errors; (b) we make no representations or warranties regarding access or use of this website and the comparison tool, or the use of or any reliance on the information provided or displayed on them; (c) we exclude all express and implied warranties, including warranties of title, fitness for purpose and infringement of third party rights; and (d) we are not liable for any direct or indirect damages, claims, losses or expenses arising out of or in connection with access or use of this website or any comparison tool, or the use of or any reliance on any information provided or displayed on them, whether arising in contract, tort (including negligence) or otherwise.

Territory: This website and the comparison tool is for personal use by consumers resident in the Republic of Ireland only.

Changes: We may change, add or remove content, features and functionality of this website and the comparison tool from time to time without notice.

Third party websites: For convenience this website and the comparison tool may provide links to third party websites. We have no control over third party websites and so do not accept responsibility or liability for the materials or content they contain or for their availability or functionality.

Conflicts In the event of any discrepancy or conflict between the version of a document obtained from this website and the designated official version, the designated official version takes precedence.

Governing law: These legal terms and all matters arising out of or in connection with them (whether contractual or non-contractual) are governed by the laws of Ireland and the parties submit to the exclusive jurisdiction of the courts of Ireland.

Re-Use of Public Sector Information

The Health Insurance Authority complies with the Regulations on the Re-use of Public Sector Information and we encourage the re-use of the information that we produce.

All of the information featured on our website is the copyright of the Health Insurance Authority unless otherwise indicated. You may re-use the information on this website free of charge in any format.

Re-use includes copying, issuing copies to the public, publishing, broadcasting and translating into other languages. It also covers non-commercial research and study. Information and documents from this website may be re-used subject to your adherence with the terms of a standard 'general license'.

Re-use is subject to the following conditions. You must:

  • Acknowledge the source and our copyright in cases where you supply the information to others;
  • Reproduce the information accurately;
  • Not use the information in a misleading way;
  • Not use the information for the principal purpose of advertising or promoting a particular product or service;
  • Not use the information for or in support of illegal, immoral, fraudulent, or dishonest purposes.
  • The Health Insurance Authority is not liable for any loss or liability associated with the re-use of information. While every effort is made to ensure that the information on its website is accurate, the Health Insurance Authority does not certify that the information is up-to-date or error free. The Health Insurance Authority does not authorise any user to have exclusive rights to re-use of its information.