Only some plans, see the hia. NO opthalmic shortfalls like VHI and it is a known fixed amount unlike VHI who have a 20% shortfall.
The one change that really matters is the VHI change to their rules on 1st January where they are imposing MAXIMUM waiting periods to switchers and existing customers for "upgrades" where there are no pre existing conditions.- this will back fire on them. I spoke to companies today who say they have had enough. The papers are running an article at the weekend about it.
Patrick