Last Updated: February 9th 2026
Switching/Continuity of Cover:
You may switch to another insurer without serving new waiting periods, provided any break in cover does not exceed 13 weeks, thereby preserving your Continuity of Cover and recognising any waiting periods already served. Where you upgrade your policy to include higher or additional benefits, your existing benefits will remain unaffected. Any applicable waiting periods will apply only to benefits that are newly added or enhanced as part of the upgrade, and any waiting periods already served will be credited.
Comparing Cover:
For information on the differences between Health Plans and Private Health Insurance, visit the Health Insurance Authority at www.hia.ie. It is advisable to regularly review your cover to ensure it meets your needs, as alternatives may save money but vary in benefits. The HIA website also provides a comparison tool offering an independent, high-level overview of regulated private health insurance products in Ireland. This guide is informational only and not an official statement of benefits.