Irish Life Health insurance
Irish Life Health is a health insurer. Its health insurance is underwritten by Irish Life Health dac.
Facts from Irish Life Health's own website, checked on 10 November 2026. We do not sell insurance, and Irish Life Health does not pay us.
Quick facts
- Call centre (Monday to Friday 9am - 6pm)
- 01 562 5100
- Buy online
- Yes
- Underwriter
- Irish Life Health dac
- Central Bank reference
- C35821
- Company page
- Irish Life Health
Check each number on Irish Life Health's website or your policy documents before you call.
Irish Life Health lists its plans in three groups. Basic plans cover public hospitals only. Standard plans cover public and private hospitals. Day-to-day plans add cover for everyday medical costs.
What Irish Life Health says about its health insurance
- First CoverBasic plan: hospital cover in public hospitals only
- First Cover ExtraBasic plan
- Select StarterBasic plan
- MyPlan 500, MyPlan 350, MyPlan 150Standard plans: public and private hospitals
- BeneFit and Select MoreStandard plans
- MyPlan 500 Day to Day, HealthGuide 1, BeneFit ExtraDay-to-day plans: hospital cover plus day-to-day expenses
- Basic plans give hospital cover in public hospitals only; standard plans give cover in public and private hospitals.
- Digital Doctor gives a doctor's advice and prescriptions by chat, phone or video, on selected plans.
- ExpressCare clinics are in Dublin and Cork, with a network of 21 other minor injury clinics around the country.
- Healthy Minds gives access to independent professional counselling.
Who can get cover
- Initial, pre-existing condition and upgrade waiting periods are set out in section 6 of the membership handbook.
Read the full terms: Membership handbook, health plans (May 2026), Tables of cover, Terms of business.
What Irish Life Health says about waiting periods, the age loading and switching
Irish health insurance law covers each of these points. The words below are Irish Life Health's own, from its website.
- Waiting periods
- “Initial waiting periods apply when you take out health insurance for the first time or when you take out health insurance after your health insurance has lapsed for more than 13 weeks.”
- Lifetime community rating (the age loading)
- “If you are taking out a private health insurance policy for the first time at age 35 years or older, you will pay a 2% loading […] for every year you are aged over 34 up to a maximum of 70%.”
- Tax relief
- “Tax relief on health insurance premiums is applied at source. This means that we claim your tax relief from the Revenue Commissioners on your behalf and automatically reduce the premium you pay us”
- Switching insurer
- “Switching from one insurer to another or from one policy to another does not affect the applicable loading.”
Other companies that sell health insurance
In A to Z order. It is not a ranking.
- 123.ie
- Aviva Ireland
- Chill Insurance
- Cornmarket
- laya healthcare health insurance
- Level Health health insurance
- Vhi health insurance
How to pay less on health insurance · All about health insurance
Get a reminder before your renewal date
Renewal is a good time to check your price and your cover. We email you once a year, in the month before your renewal. Nothing else.