1. Lifetime Community Rating

What is Lifetime Community Rating?

Community rating is the principle whereby everyone pays the same premium for the same health-insurance product, regardless of age. Under lifetime community rating (LCR), this policy is modified to reflect the age at which you take out cover. The older you join, the more loading you pay.

If you are aged 35 or older and did not have health insurance before 30th April 2015, your premium may cost more due to the introduction of Lifetime Community Rating.

2. Hospitals and scan centres

What hospitals and scan centres does Irish Life Health cover?

Click here for a list of hospitals and scan centres covered by Irish Life Health insurance. This link will bring you to a website operated by Irish Life Health and is subject to the terms and conditions of that site.

3. Specific treatments

How do I check that I am covered for a specific treatment?

You can call Irish Life Health on 1890 714 444 to check if you are covered for a specific treatment. Please remember to have the following to hand:

  • Your consultants name.
  • Your procedure code - you can get this from your consultant’s secretary.
  • The name of the hospital you will be attending.
  • Irish Life Health will check that your waiting periods have been served also.

4. Making a claim

How do I make a claim?

Click here for more information on how to claim.

This link will bring you to a website operated by Irish Life Health and is subject to the terms and conditions of that site.

5. A&E abroad

Am I covered for A&E abroad?

Check your table of cover to see the level of cover available to you.  You should call Irish Life Health’s international assistance number on +353 148 17840, in advance of receiving your emergency care, to have your medical care pre-authorised and arranged by Irish Life Health. 

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