Hi Commercial,
Firstly, the 5 year wait would only relate to any pre-existing conditions. Any new illnesses will be covered after 26 weeks waiting, regardless of
your age. So it may not be as bad as it seems, depending if you have no pre-existing illnesses.
The Health Insurance Authority advice in this type of situation( it happened to a friend recently) was to ask them to reinstate the policy as a
goodwill gesture, that you are willing to pay all outstanding premiums and would like to continue as a customer of Irish Life. They are not
obliged to do this and there's no guarantee of a positive outcome.
If its a negative response, I would be inclined to consider alternative options and providers.
What plan are you on at the moment?
Snowyb