Health Insurance Quote
Health Insurance starting from €8.93 per week.
We’ll take care of it for you.
Meet our Team of Expert Advisors
Did you know you can cover 75% of your income, allowing you to financially support your loved ones when you are out of work due to illness or injury or disability?
- Additionally you can claim tax back of 20/40% at your margional rate of tax.
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Unsure about any options on the form? Want to know what our health insurance has to offer? Call our expert advisors for your free no obligation advice & quote.
Benefits of LowQuotes Health Insurance
Unlimited consultations by phone or video with an Irish GP. You could use this service for –
- Consultations for you or co-appointments with your children.
- Prescriptions sent to your local pharmacy.
- Referrals to hospital or to a specialist.
- Sick-notes
24/7 support from qualified nurses for non-emergency advice, whether it be flu’s, a fall or childcare advice.
Connect directly with a chartered physiotherapist who will manage and assess your issue & create a treatment plan for your issue.
This plan could include –
- Excercise programmes.
- Virtual physiotherapy
- In-person at home treatment
- In-person at clinic treatment.
Whichever option suits you best.
Planning & fertility benefits, maternity care options, pre-natal benefits and additional supports.
There is a huge range of benefits from start to finish such as money off fitness wearables, contributions to gym membership, smear testing, health screening, contributions for dieticians, digital doctors on-hand at any time, digital prescriptions, GentleBirth App and much, much more.
Not forgetting paid accommodation whether it’s semi-private or in a private hospital.
Gain access to independent conselling support 24/7 which provides professionally trained counsellors at any time.
It is a dedicated conselling service via phone, webchat, video call or in-person for members aged 18 and over. Telephone and webchat service is available for members ages 16 and over.
Certain therapies and IV treatments can be delivered at home by trained nurses, allowing you to leave hospital early and recover in the comfort of your own home.
Some examples of treatment that can be completed at home:
- Pneumonia.
- Post-Op Infections & Wounds.
- Cellulitis.
- Urunary tract infections.
- Respiratory tract infections.
- Osteomyelitis.
- Negative pressure wound therapy.
- Endocarditis.
- Septic Arthritis.
Available on our top-tier plan only.
Cash back for sports related expenses such as physio visits and a FREE annual worldwide multi-trip travel insurance policy.
29% Discount on an executive health screening.
- Benefit abroad for surgical procedures that are available in Ireland subject to the amount of cover available in Ireland
- Benefit abroad for surgical procedures that are not available in Ireland for up to the level for the most similar surgical procedure to treat the same condition in Ireland
Cover available for Public hospitals, Private Hospitals and High Tech Hospitals such as:
- Consultants fees
- Inpatient Scans
- Day Case
- Private or semi private rooms
- & Much, much more.
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Lump sum payment in the event of death. Includes Terminal Illness cover free of charge.
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Tax free payout on diagnosis of up to 40 critical illnesses.
Income Protection
Pays you a replacement income if you are unable to work due to illness or injury.
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Health Insurance FAQ
New Customer:
| Age | Outpatient Medical Expenses | Day to day medical expenses | Inpatient New Condition | Inpatient Pre-existing Condition |
|---|---|---|---|---|
| Under 55 | None | None | 26 weeks | 5 years |
| 55+ | None | 26 weeks | 26 weeks | 5 years |
Upgrading Customer:
| Age | Outpatient Medical Expenses | Day to day Medical Expenses | Inpatient pre-existing conditions |
|---|---|---|---|
| Under 55 | None | None | 2 years |
| 55+ | None | 26 weeks | 2 years |
- Private & semi private room in a public hospital.
- Up to €100 back on visits to a wide range of minor injury clinics.
- Unlimited access to Healthy Minds phone counselling service.
An excess is the amount of money you agree to pay toward the cost of your medical treatment before your insurance policy kicks in and begins covering the remaining charges.
For example, if your health insurance policy has an excess of €500 and you have a hospital bill of €2,000, you would pay the first €500, and your insurance company would cover the remaining €1,500.
The Blackrock Clinic, the Mater Private and the Beacon Hospital are the only three high-tech hospitals in Ireland.
These are private hospitals with specialised equipment and they treat complex conditions including cardiac, oncology (cancer) and orthopaedic conditions.Â
There are three different types of hospitals in Ireland
- Health Service Executive (HSE) hospitals: These are owned and funded by the HSE.
- Voluntary public hospitals: These receive most of their income from the State. Voluntary public hospitals are sometimes owned by private bodies, for example, religious orders. Other voluntary public hospitals are incorporated by charter or statute and are run by boards often appointed by the Minister for Health.
- Private hospitals, which receive no State funding.
The public health system is provided through HSE and Voluntary hospitals. Most of these hospitals also provide private medical services but they must be able to distinguish between public and private care.
Private hospitals operate independently of the State health services. If you choose to receive medical care in a private hospital, then you must pay for the cost of this medical care, either directly or through your health insurance.
In a public hospital you do not have to pay for consultants services, but you do not a choice of consultant.
If you choose to be a private patient in a public hospital then you become the private patient of the consultant treating you and you must pay for those services.Â
Private hospitals are free to set their own charges. Your health insurance may cover some or all of these costs.
In the health insurance industry in Ireland there is the concept of Community Rating. This is a system whereby a person’s age does not mean they pay a different premium for their health insurance. However, there are a number of exceptions to this rule:
- From 1 May 2015, if you first buy health insurance at age 35 or over, an age at entry loading may apply to your premium. This is Lifetime Community Rating.
- Children – persons aged under 18, where the premium must be no more than 50% of the adult rate.
- The premium for young adults, i.e., those aged 18-25 may be reduced.
- Members of group schemes, where the premium may be reduced by up to 10%.
- Pensioners who are members of restricted membership insurers may have their premiums reduced.
