Hi fred123456,
You can change plans during the year with Irish Life with no waiting times to serve. You can switch to a new plan and have cover immediately.
If you lapse a policy for more than 13 weeks, you would be classed as a new customer and waiting times would apply in that situation.
Adult Options;
There are 2 Irish Life plans worth considering at cheaper prices. Regarding paying the back money, I'm not too sure if Irish Life will back date the
new plan or not. It would be worth asking if this is possible.
Details of 2 new plans as follows;
1. Irish Life 4D Health 1; price 1045pa; all public, private and two-thirds hi-tech hospital cover, excess 200 per private/hi-tech admission and
75 per day case procedure. Day to day cover included but the first 125 not allowed.
2. Irish Life 4D Health 2; price 1231pa; all public, private and 3 hi-tech hospitals covered, excess 150 per private/hi-tech admission and 75 per
day case procedure. Good day to day cover included, 1 euro excess, 50% refund for gp visits, consultant visits, etc.
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Child Option
The following plan is worth considering for the children. details as follows;
1. Nurture Plan; Price 160 per child; public, private and Beacon hi-tech hospital covered, excess 300 x 2 max per year for all admissions
and 75 per day case procedure. There is no excess to pay in any public hospital. Limited day to day cover - the first 125 euro is not allowed.
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When your renewal date comes up soon, in December or January, you can still consider your options at that stage including all 3 providers for
best value. For example, there may be new child offers at that stage. Health insurance is always just for 1 year contract, so the new contract
year can be with a different company if you want.
Regards, Snowyb