Re: What are the policies for Single person in late 20's
The health insurers market a number of products to young single people:
VHI - First Plan range. All of these cover a private room in public hospitals, with the higher cost plans offering out-patient cover (GPs, consultants, etc) and cover in private hospitals.
Quinn - PersonalCare seems to be the one they offer. Covers public and private hospitals and has out-patient cover as well.
Hibernian - Me Plans. They have two me plans: Level 1 offering cover in public hospitals and Level 2 offering cover in public and private. You can add out-patient cover by buying a day to day plan as well.
That said, these plans may not necessarily offer you the best value as they may have benefits you don't want or not offer benefits you do want. It's no harm to knw yourself what you want from the product:
What hospitals do you want access to and what kind of room do you want?: There's no point paying for cover in private hospitals on the other side of the country. And if you are in hospital do you mind if it's a semi private room (up to 6 beds) or a private room (1 bed). Just to note, you're not guaranteed a private room in any case.
What other benefits do you want?: There are a plethora of extra bells and whistles available, but which ones will you really use? Some of the additional benefits available are maternity, accident and emergency cover overseas, out-patient visits (GPs, x-rays, consultants, etc), alternative therapists, screening, lifestyle (teeth whitening, eye laser srgery, etc).
Is there a particular illness you want covered?: Even if you're healthy, is there a family history of cancer, heart disease, etc. Or perhaps you know you're prone to depression. Insurers cover pretty much all ilnesses the same way, but no harm checking that something relevant to you is covered and maybe even seeing if there's additional cover.
Hope I've gone someway to helping you!