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Transcript of Cornmarket Group Financial Services Ltd. is regulated by the Central Bank of Ireland. A member of...
Cornmarket Group Financial Services Ltd. is regulated by the Central Bank of Ireland. A member of the Irish Life Group Ltd. Telephone calls may be recorded for quality control and training purposes.
Private Health InsurancePrivate Health Insurance
Market UpdateMarket Update
Market Overview
• Costs still rising
• Confusion – nearly 400 plans on the market
• Complexity – changing contracts / new rules
• Special Offers
• Discounts for Young Adults
• Lifetime Community Rating
Our Free Comparison Service
• Largest Health Insurance broker in Ireland
• Unique comparison tool covering all four insurers
• Expert staff who deal in health insurance only
• No obligation to accept our advice
• Now includes Dental Cover
Cost Drivers – Irish Market
• Health Insurance Levies
• Public Hospital Charges
• Normal ‘Medical Inflation’
• Claims Utilisation
• Age Profile of ‘Leavers’
Common Myths….
• Public treatment is free
• I can only join certain plans
• They won’t take me on….
• I can cancel my cover at anytime
• I have a medical card – don’t need health insurance
• I have to use my health insurance
Are you on a dated plan?
• Health Plus Choice (Plan C)
• Health Plus Extra (B Options) / Health + Access (B)
• Forward Plan
• Parent & Kids
• Family or First Plan Plus Level 1
• Essential Plus Schemes
• Health Manager Schemes
• Simply Health Excess
• Company Health & Company Care Schemes
• Complete Care
Are you on a dated plan?
• Level 2 Hospital
• Level 2 Family Health or Complete Health
• Level 3 Schemes
• Level 1 Everyday
• Business Plans (Extra, Select, Choice)
Are you on a dated plan?
•Better Plan •Better Saver Plan
•Better Smart Plan
•Good Saver
•Ultra Plan
Are you on a dated plan?
Special Offers
Range of ½ price offers on certain plans only
Free 2nd + child cover on one plan only
Range of child discounts now available
Free cover for children < 3 on certain plans
Correct at 1st October 2015 – Source Health Insurance Authority (HIA)
HP Access – Plan B (€1,820) / HP Extra – B Options (€2,234)HP Access – Plan B (€1,820) / HP Extra – B Options (€2,234)
- Company Plan (€983) or Company Plan + L 1.3 (€1,130)
Essential Plus (€2,585) / Essential Plus (with excess) (€1,928)Essential Plus (€2,585) / Essential Plus (with excess) (€1,928)
- Control 150 Connect (€976) or Simply Connect + (€1,099)
Level 2 Hospital (€1,999)
- Aviva Select Plus (€955) or Be Fit 2 (€1,243)*
Rates correct at 1st October 2015 - Source HIA
Sample Best Buys….
Best Plan (€1,555)
- Net Most 100 (€975) or Best Smart (€1,098)
* Covers private room in private hospitals
High Excess / Network Plans
One Plan 500 @ €683One Plan 500 @ €683
Advantage 500 Explore @ €612Advantage 500 Explore @ €612
First Focus 500 @ €778First Focus 500 @ €778
Net More 500 @ €699Net More 500 @ €699
Rates correct at 1st October 2015 - Source HIA
For More Cost Savings…• Split your cover or provider
• Claim your student rates
• Drop your day-to-day cover
• Seek the corporate plan equivalent
• Be sensible with your accommodation cover
• Watch for ‘special offers’
• Annual review is essential
56% of people in Ireland avoid or delay dental treatment because of cost.*
However research shows that preventive dentistry, delivered on a regular basis, greatly reduces the risk of dental disease
•Dental insurance can bridge this gap•Greater uptake of required dental treatment•Provides tangible financial benefits.
Why Dental Insurance?
*Based on DeCare Dental research conducted in 2014
Current State Cover
*IOTN – Index of Treatment Need determines the severity of orthodontic need ranging from 1-5
All Information taken from http://www.citizensinformation.ie/
Cornmarket can not be held liable for information provided on external websites
Level 1 Level 2 Level 3
Care & Prevention (No Waiting Period) 100% 100% 100%
2 dental exams per year Your Dental x-rays 2 dental cleanings per year 1 emergency dental treatment worldwide
per year
Minor/Major Treatment (No Waiting Period) 40% 50% 70%
Fillings, Extractions, Gum Disease Treatment
Crowns*, Root Canal, Bridges Implant Supported Crowns, Dentures
Orthodontics (18 month Waiting Period) €0 €750 €1,000
Once off lifetime contribution. 8 to 18 years
* Annual maximum of €500 per year for crowns, inlays & onlays
• Provides a platform for a lifetime of improved oral health• DeCare Dental Insurance plans encourage regular dental
care through a healthy smiles approach
Dental Insurance through Cornmarket
Annual Premium Insured onlyInsured & Partner
Insured & Children
Insured & Family
Level 3 €286.68 €504.96 €487.44 €791.64
Monthly Direct Debit
Insured onlyInsured & Partner
Insured & Children
Insured & Family
Level 3 €23.89 €42.08 €40.62 €65.97
Rates correct at 1st October 2015
Our Comparison Service
Contact Details
• 01 4708091
• On-line enquiry
Our Approach
• Expert & Confidential
• Covers all providers
• No cost to you
www.cornmarket.ie www.cornmarket.ie
Questions?Questions?
Proud sponsors:
Cornmarket Group Financial Services Ltd. is regulated by the Central Bank of Ireland. A member of the Irish Life Group Ltd. Telephone calls may be recorded for quality control and training purposes.
• Aviva Health Insurance Ireland Limited is regulated by the Central Bank of Ireland.• GloHealth Financial Services Ltd trading as GloHealth is regulated by the Central Bank of Ireland.• Laya Healthcare Limited, trading as Laya Healthcare, is regulated by the Central Bank of Ireland.• Vhi Healthcare Limited trading as Vhi Healthcare is regulated by the Central Bank of Ireland.• DeCare Dental Insurance Ireland Limited trading as DeCare Dental is regulated by the Central Bank of Ireland.