When it comes to health insurance, one size does not fit all
When it comes to the health of you and your loved ones, you can’t afford to leave anything to chance. With over 300 different plans currently available on the Irish Health Insurance market¹ , it can be extremely difficult to ensure you are getting the plan that best suits your needs.
A personal and professional service delivered by passionate people
With NFP, you and your loved ones can benefit from the decades of experience and excellent provider relationships that have helped us become one of the leading health insurance brokerages in Ireland.
Understanding your needs
Our clients really value our human approach and our commitment to getting to know you and your needs on a granular, in-depth level.
A health insurance solution built around you
After understanding your needs and your budget, our specialists will aim to source a health insurance solution that gets you what you’re looking for at the right price.
Ongoing commitment
We review your cover every year at renewal to ensure you are still getting the best benefits available and that your health insurance is keeping up with any changes in the market.
FAQs
Yes you may have to serve waiting periods if:
- You take out health insurance for the first time in Ireland
- It has been more than 13 weeks since you last held private health insurance
Things to note:
- There is no waiting period for emergency care for accidents and injuries
- Children and infants that are added to a policy within 13 weeks of their birth or adoption do not have to serve waiting periods
Your time spent on previous policies (even with another provider) is carried over to the next as long as you have not had a break in cover for longer than 13 weeks.
If you are switching policies or upgrading to a policy with higher cover, the following maximum waiting periods may be applied to any higher benefit on the new policy:
- Any higher benefit: 2 years
- During the waiting periods, you will be covered to the level of cover of your previous policy
When you first take out a policy waiting periods will apply.
You will be covered immediately for accidents and injuries, but the following will apply:
- 26 weeks – new medical conditions
- 5 years – pre-existing medical conditions
- 52 weeks – Maternity
In general, health insurance policies are 12-month contracts. This means you have up to 14 days after the actual renewal date (cooling off period) to renew, switch, or change your plan type.
Switching after this period may incur a cancellation penalty
Yes in certain circumstances.
If you are aged over 35 with no previous health insurance and have lived in Ireland longer than 9 months, you may be charged a Lifetime Community Rating loading. It works out at an extra 2% of your premium for each year above 35, up to a maximum of 70%. The loadings last 10 years and will be added to the cost of your annual premium and are subject to change each year.
The longer you leave it, the more expensive it may be! Please reach out to a member of our team if you feel you may be affected.
Get in touch
Looking to discuss health insurance with one of our specialists? Reach out today and one of our dedicated team will be in touch to organise a chat around your health insurance needs and goals, and how we can support you to achieve them.
References
- https://www.hia.ie/sites/default/files/2025-04/hia-market-report-2024.pdf