Health insurers now have suites of plans allowing you to claim for everyday medical expenses like visiting GPs, physiotherapists, specialist consultants and even alternative practitioners like chiropractors or acupuncturists.

But if you’re insured on traditional plans (over five years old) you’re probably overpaying, without the ability to claim on day-to-day benefits.

Providers also offer corporate plans, usually aimed at businesses, but actually available to everyone. These often offer greater value for money, by letting you save on your premium, by taking on a small excess (€75 - €250) on overnight admissions to private hospital admissions and letting you claim for everyday expenses.