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Everything below is set up for you by your own senior advisor.
Or Freephone 1800 808 808 and a senior advisor takes it from there.
Plans with similar names cover different hospitals and pay different amounts. An advisor compares VHI, Laya Healthcare and Irish Life Health, including Vhi, Laya Healthcare and Irish Life Health, and checks your plan before it renews each year.
Who the cover is for and when it renews. An advisor is in touch with plans compared side by side.
Tax relief, contribution limits and the right plan differ between the three.
Stored securely, never sold. Used only to come back to you about your request.
A confirmation email is on its way to you, and a senior financial advisor is reviewing what you sent and will be in touch. Want to get ahead in the diary? Book your discovery call, or Freephone 1800 808 808.
Irish health insurance is community rated. Everyone on a given plan pays the same price, whatever their age or health, apart from discounts for children and young adults and any late entry loading. No insurer can refuse to sell or renew your cover because of a medical condition.
So the saving comes from choosing the right plan. We compare VHI, Laya Healthcare and Irish Life Health, including Vhi, Laya Healthcare and Irish Life Health, and line up plans that cover the hospitals and benefits you care about.
If you first buy health insurance at 35 or older, you pay a loading of 2% of the gross price for each year over 34 you went without cover. Start at 45 and the loading is 22%, so a €1,000 plan costs €1,220. The loading lasts for up to ten years and is capped at 70%.
Earlier cover counts. Years you held health insurance as an adult reduce the loading, and a break of up to 13 weeks does not add to it.
For someone buying hospital cover for the first time with no earlier cover, on a plan with a gross price of €1,000.
| Age you first buy | Loading | Price |
|---|---|---|
| 34 or under | None | €1,000 |
| 40 | 12% | €1,120 |
| 45 | 22% | €1,220 |
| 50 | 32% | €1,320 |
| 60 | 52% | €1,520 |
| 69 or over | 70% | €1,700 |
Most health insurance runs for 12 months. You can switch insurer or plan at renewal, and every insurer gives you 14 days from the renewal date to cancel for a full refund. Waiting periods you have already served carry across to the new insurer, as long as your break in cover is no more than 13 weeks.
Moving to a plan with higher benefits can bring waiting periods of up to two years on the extra benefits, and 52 weeks on higher maternity cover. Until then you keep the cover of your old plan. A move to the same or a lower level brings no new waiting periods.
Health insurance premiums get tax relief at 20%, applied by the insurer as a discount on the price, so there is nothing to claim. The relief applies to up to €1,000 a year for each adult, worth up to €200, and up to €500 for each child under 21, worth up to €100.
If your employer pays for your cover, it is a benefit in kind, and you claim the relief from Revenue yourself.
Who the plan is for, your insurer today and your renewal date. Two minutes on the form.
The hospitals, benefits, excess and price, against what you use.
Plans side by side, including Vhi, Laya Healthcare and Irish Life Health.
With waiting periods and loadings checked before you decide.
Inside your renewal window, with your waiting periods carried across.
Before each renewal, as prices and plans change.
We (Richie and Nickey) received excellent pension advice that was clear, honest, and tailored to my situation. Everything was explained in a way we could easily understand, and we felt confident making decisions about my future. Highly professional service and very reassuring throughout the process.
They made setting up a company pension on a deadline extremely easy and stress free. You can tell they understand the products inside out. Very approachable, great availability for support with instant and clear answers.
True Wealth was super efficient in locating my UK pension. They were very professional and responsive in dealing with the relevant pension organization. I would highly recommend True Wealth.
Thank you for the several calls to advise me. Great client attention! Eimear is fantastic! I had my pension sorted and a few insurances arranged. All the best.
Excellent service. Always there if I had any questions, would recommend without hesitation. A 5 star service. Thank you everyone.
Straight answers with the figures. If yours is not here, a senior advisor answers it in your review.
Every insurer on the Irish market, including Vhi, Laya Healthcare and Irish Life Health. We do not recommend a plan until we have compared them.
Not for cover you already have, as long as your break is 13 weeks or less. Waiting periods apply only to higher benefits on the new plan: up to two years, and 52 weeks for higher maternity cover.
Up to 26 weeks for new illnesses, five years for conditions you had before joining and 52 weeks for maternity. There is no waiting period for accidents and injuries.
No. Anyone can buy health insurance in Ireland, whatever their age, health or medical history. You may serve waiting periods when you first join.
Insurers may offer young adult rates to people aged 18 to 25 and discounts for children. A group of people can get a discount of up to 10%.
Some insurers let you move to another of their own plans mid-contract. Leaving for another insurer mid-contract usually brings a cancellation charge, so we time the switch for your renewal.
Yes. We can review your plan with you, and we compare company plans for employers too. See group health insurance.
Checked 8 October 2026.
Two minutes on the form. An advisor is in touch with plans compared side by side.