Experience and know-how
Finding the right health insurance plan is very important to you and your family, and in most cases requires a lot of detailed knowledge to make the right decision. This is where an experienced advisor can help. As Ireland’s largest health insurance broker, we at Cornmarket have been providing specialist financial advice and preferential deals to our customers for over 40 years.
Team of health insurance experts
Our team of health insurance experts is here to help you find the best health cover and alleviate the headache of trawling through hundreds of health insurance plans.
In one phone call, one of our consultants will review your health insurance requirements in detail. Using this information, we’ll then compare the various health insurance plans available from VHI Healthcare, Laya Healthcare and Irish Life Health to make sure you are getting the best deal at the lowest price possible.
What is Split Level Cover?
Split Level cover is a great way of reducing your costs, for example you could leave the adults on a mid-range health insurance plan and put younger children on a lower level health insurance plan.
Should I buy Day to Day Health Insurance Cover?
Do the maths before buying ‘Day to Day’ cover. Before adding this benefit to your cover, compare your average annual expenditure on routine medical expenses to the cost of including this additional cover in your health insurance plan. The average refund you receive with this cover is 50%, therefore it may not be a cost-effective add-on.
If I pay the full amount for the year, will I avoid surcharges?
Laya Healthcare charges an additional 3% for instalment payments. For example, on the Essential Plus Scheme, you could save in excess of €100 per annum for an average family policy by paying your full health insurance premium up front.
Laya Healthcare Limited, trading as Laya Healthcare and Laya Life, is regulated by the Central Bank of Ireland.
Should I take an ‘excess option’ for a lower premium?
Most providers have health insurance plans with excess options for private hospitals (per hospital stay). This option can lower your health insurance premium significantly depending on the health insurance plan in question. If you don’t mind taking on a small excess in private hospitals only, this is a great way of reducing your healthcare costs.
Are student discounts available?
Student discounts have been replaced by a young person’s discount which applies to persons aged 18-25. It is at the discretion of the insurer to apply a young person’s discount to a health insurance plan. If an insurer decides to apply a young person’s discount to a plan, they must do it for all age ranges from 18-25.
Why should I review my cover each year?
Always remember to “review before you renew” when it comes to your health insurance. By allowing it to renew automatically, you are accepting any reduced benefits and new terms and conditions which your provider has decided to add to your health insurance plan. Health insurance providers may not necessarily spell out the full effects of these changes. With over 350 plans on the market and special offers regularly available there is great choice available for health insurance. In such a complex environment, it is important that you undertake a health insurance review and seek impartial advice.
We’re here to help you
Call us now on (01) 470 8093 or fill in your contact details by clicking the link below and we’ll get in touch with you. It’s that simple.