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Get Affordable Health Insurance

Health Insurance premiums have increased and consequently the majority of health insurance customers are looking for more affordable cover. Our health insurance advisors know the products, covers and exposures that are on the market and are here to help and advise you.

There are a vast number of health insurers in the Irish market and all offer variants of similar products. As an independent agent our health advisers have the knowledge and flexibility to recommend the policy that best suits your needs and budgets.

munstergroup is an authorised intermediary for Irish Life Health . Our experts give advice on cover for all age groups, individuals, couples and families. They provide a free review of your health insurance needs and recommend a plan that offers you affordable health cover. If you’d like to make an appointment for a free health review please fill out the contact us form.

Lifetime Community Rating

Lifetime Community Rating (LCR) was applied on 1st May 2015 in Ireland and affects anyone over the age of 34 years who did not have a current health insurance plan before this date. After the 1st May, any individual over 34 years of age incur a loading on health policies they take out for the first time at a rate of between 2% – 70% of the policy.

Here are a few facts about the new LCR and if you require further information contact the Health Insurance Team in Munstergroup Insurance on 065 6897852 or email pamela@munstergroup.com

Health Insurance FAQs

Private health insurance is insurance that helps cover all or part of the medical and hospital costs incurred. Other benefits may also be provided as part of your policy.

Yes. You may have a medical card and hold private health insurance at the same time. If attending your GP for a referral you will need to decide whether you want to go publicly or privately. Similarly, if admitted to hospital, you will need to tell the hospital whether you want to be admitted as a public or a private patient.

From 1 May 2015 a pre-existing condition is defined as:

“Pre-existing condition” means an ailment, illness or condition, where, on the basis of medical advice, the signs or symptoms of that ailment, illness or condition existed at any time in the period of 6 months ending on the day on which the person became insured under the contract.

Yes. All applicants for private health insurance cover must be accepted by a private health insurer, regardless of their health status or age. However waiting periods may apply before benefits can be claimed.

  1. Under LCR, community rating is modified to reflect the age at which a person takes out private health insurance. Late entry loadings are applied to the premiums of those who join the health insurance market at age 35 or over. If you take out private health insurance earlier in life, and retain it, you will pay lower premiums compared to someone who joins when they are older.

If you are purchasing a private health insurance policy for the first time at age 35 years or older you will pay a 2% loading on top of your premium for every year you are aged over 34. For example, if you take out a private health insurance policy for the first time at age 40 you will pay 12% more than someone who took out their cover before the grace period expired.

Yes – but the level of loading will be reduced by the number of previous years health insurance cover.

The application of loadings will be mandatory and cannot be waived by an insurer.

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