Rising health insurance costs have many policyholders wondering if they’re getting the best value for their money.
While switching providers can seem daunting, the reality is that it’s a straightforward process that can save you hundreds of euro—without losing coverage or benefits.
Why switch your health insurer?
Many people stick with the same health insurer year after year, often out of concern that switching will cause disruptions to their coverage.
However, this is a misconception. Under Irish law, all insurers must recognise the waiting periods you have already served, meaning if you’ve completed your initial waiting period, you won’t have to go through it again with a new provider.
Your cover remains continuous, ensuring no gaps in access to treatment.
Another common worry is that changing plans might result in losing certain benefits or access to preferred healthcare providers.
However, switching can often enhance your coverage.
Depending on the plan, you could gain access to additional hospitals, specialists, or treatments while reducing your premium.
Many people find they can secure a more cost-effective policy that better suits their needs by exploring options outside their current insurer.
How Switching Can Save You Money
Health insurance providers regularly update and revise their plans, often introducing new options that offer better coverage at a lower cost.
By reviewing your plan each year, you can identify whether another provider offers a better deal with similar or improved benefits.
For example, some insurers offer plans with higher outpatient cover, lower excess fees, or additional wellness benefits—all while costing less than your current policy.
Families, in particular, can see significant savings by adjusting their coverage to match their specific needs rather than sticking with outdated policies.
Making the Switch is Easy
If you’re unsure about the best option for you, speak with a health insurance specialist at The Health Insurance Shop on 091 670 123.
Our expert team can help you compare plans, identify savings, and ensure you’re getting the best possible cover for your needs.
With the potential to save hundreds of euro while securing a plan that better suits your lifestyle, reviewing your health insurance policy annually is a smart financial move.