Health InsuranceMaximum Savings

forConsumers &

Employers

Dermot Goode

• Most over-insured

• No day-to-day cover

• Poor value dated plans

• Complexity – 365 different plans

• Best advice???

Consumers & Employers!

Common Myths….

• Public treatment is free

• Kids get special treatment

• I can only join certain plans

• They won’t take me on

• I have to use my health insurance

Paying too much….. ?

• Health Plus Choice (Plan C)

• Health Plus Access (B)

• Company Plan Extra Level 2

• Parent & Kids Plans

• Family or First Plan Plus Level 1

• Company Plan Plus Level 1

• Essential Plus

• Health Manager or Complete Care

• Health Smart Plans

• Company Care Plans

• Total Health Select

• Simply Health Excess

Paying too much….. ?

• Level 2 Hospital

• Level 2 Family Health

• We or I Plan Level 3 (Optimise Silver)

• Level 1 Everyday / Level 2 Hospital with Day to Day

• Business Plans (Extra, Select, Choice, Complete)

• Health Plans 05, 06 & 16

Paying too much….. ?

•Better Plan •Better Saver Plan

•Better Smart Plan

•Best Plan

•Ultra Plan

Paying too much….. ?

Corporate Plans – Best O/P Cover

• €25 per GP visit - 7 per person

• €40 per GP visit - 16 per person

• 50% refund on GP visits (unlimited to €6,000)

• 75% refund on GP visits (unlimited to €6,000)

• 100% refund on first 2 visits - 50% thereafter

New Healthcare Providers

Healthcare Savings

‘Put em under Pressure’

Employers: 3 Mths before Renewal / Consumers: 1 Mth before Renewal

Health Plus Access €1,945

• PMI 25 11 €1,503

• PMI 36 13 €1,248

Rates Correct @ 1/5/16 as per HIA

• PMI 37 13 €1,115 • Complete Simplicity €1,434

• Simply Connect Plus €1,169

• Health Secure Plus €1,603

Ess. Plus Excess €1,928

Health Plan 06 €1,763

• Be Fit 3 €1,431

• Health Plan 28 €1,435

Rates Correct @ 1/5/16 as per HIA

• Health Plan 16.1 €1,218 • Best Smart Plan €1,162

• Best Select Max Cash €1,400

Best Ultimate Cash €1,719

Health Plus Access – Plan B (€1,945) Health Plus Access – Plan B (€1,945)

PMI 36 13 (€1,248)

Essential Plus (with excess) (€1,928)Essential Plus (with excess) (€1,928)

Simply Connect Plus (€1,169)

Level 2 Hospital (€2,335)

Health Plan 16.1 (€1,218)

Rates correct at 1st May 2016 - Source HIA

Sample Best Buys….

Best Plan (€1,903)

Best Smart (€1,162)

Day-to-Day Cover

Same Plan – 2yrs or more

Annual Review

Wellness Programme

Health Insurance: €2,335

Corporate Discount

Total H/C Cost Management

• LCR Exposure

• Excesses

• Health Allowance

• Capped Benefits

• Full Corporate Discounts

• Annual Review

Employers – Control Your Costs

• Corporate Plans – check them out

• Put the health insurers ‘under pressure’

• Consider Health Cash, Dental & Eye-Care Plans

• Claim Day-to-Day Expenses

• Annual Review

Remember!

Thank You & Questions