Health Insurance Waiting Periods Ireland
Hoping somebody can answer a question i have about private health insurance coverage and waiting periods.
Health insurance waiting periods ireland. The waiting periods for general treatment ancillary or extras cover are set by individual health insurers. Compare all private health insurance plans currently on the market here. However a health insurer may waive the waiting period at their discretion because the law imposes a maximum on waiting periods that an insurer may require but no minimum. I moved to ireland about a year ago and purchased a private plan where cover begins 31 january 2020.
Public and private sectors exist. Waiting periods switching from another health insurance provider. The public health care system is governed by the health act 2004 which established a new body to be responsible for providing health and personal social services to everyone living in ireland the health service executive the new national health service came into being officially on 1 january 2005. The premium displayed is the full premium.
An upgrade waiting period will apply when you upgrade your cover i e. If you have held private health insurance within the past 13 weeks and the level of cover was higher or is the same as that of your new policy with us then you are covered immediately with no waiting periods. Generally waiting periods vary from two to six months for items such as general dental optical and physiotherapy and up to 12 months or more for major items such as orthodontics or hearing aids. We will apply an upgrade waiting period to claims where your treatment relates to a pre existing condition.
Irish health insurance providers do not have to recognise health insurance cover held abroad with an international health insurance provider. Once you serve these waiting periods you will not have to serve them again if you switch to another insurer as long as you haven t had a break in cover of more than 13 weeks. Vhi is waiving a percentage of premium for a three month period effective from 15th may 2020 ranging from 45 to 60 depending on your plan. Hia is the statutory regulator of the private health insurance market in ireland.
You purchase a plan with more comprehensive cover than your previous plan. Vhi healthcare is tied to vhi insurance dac for health insurance in ireland which is underwritten by vhi insurance dac. This may happen if you change your plan with us or when coming to irish life health from another health insurer. With the 6 month waiting period this means that some coverage kicks in beginning 1 august 2020.
If you are switching health insurance plans a maximum waiting period may be applied to any higher benefit on the new plan. However the new. General treatment waiting periods. The maximum waiting period is 2 years.
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