Insurers sell lots of health insurance plans, but only advertise some of them. With this list, you can find the best cover and the lowest prices.
Why this exists
Irish insurers write plans for company schemes and price them keenly. By law those plans are open to anyone who asks. You do not need to work anywhere in particular. But they are not advertised.
82% of members have never switched insurer. The regulator says the number of plans on sale makes the market hard to compare.
Health Insurance Authority, Consumer Survey.
The register
Every member claims against the plan’s own annual limit and pays its excess, capped at the family excess where the plan has one. Ranked by what it really costs you: the household premium minus what you would get back.
| Plan | Insurer | Cover | Real cost / yr | Day-to-day limit |
|---|
| Plan | Insurer | Cover | Per adult / yr | Day-to-day limit |
|---|
Every plan, price and benefit here comes from the Health Insurance Authority’s own register, captured from its public API on 2026-08-27. Prices are per adult per year before tax relief. Coverage is graded from the benefit lines each insurer files against the HIA’s nine coverage areas. We infer which plans are company or group schemes from the plan name. Everything else here is the HIA’s.
How it works
The plan name printed on your renewal letter. It stays in the page; nothing you type is transmitted.
Every plan whose cover equals or beats yours, priced low to high, with your own shown in place.
You name the plan and they must sell it to you. That is the law. We are not part of the transaction and we are not paid if you switch.
Where we stand
Every price and every benefit says where it came from — the insurer's own filing with the Health Insurance Authority, on the date shown. If we do not know, we say so.
We show what plans cost and what they cover. We are not regulated financial advisers.
No name, no policy number, no date of birth, no email. There is nothing to sign up to.
No account, no sign-in, no analytics, and nothing you type is transmitted.
Questions
Yes. Some plans are marketed towards particular companies or professions. You are entitled to them whether or not you belong to the group they were aimed at.
Health Insurance Authority — Selecting a Private Health Insurance PlanThey cannot. Open enrolment means an insurer must accept anyone who applies, regardless of age, sex or health status. Community rating means everyone pays the same price for the same plan — there is no penalty for being older or having claimed.
Health Insurance Authority — Open enrolment and lifetime coverWaiting periods. They can cost you real money. If you move to a higher level of cover, you serve a fresh waiting period on the upgraded part: 52 weeks for maternity, up to two years for a pre-existing condition.
Moving to an equal or cheaper plan with the same cover does not restart anything. We flag which is which on every suggestion.
No. We are not regulated financial advisers. We publish what plans cost and what they cover. Buying, switching and cancelling happen directly between you and the insurer.
Much of it is. The Health Insurance Authority runs a free comparison tool covering all 348 plans. What it will not do is hand you the data: asked to publish its plan register as an open file, it declined, on the grounds that a snapshot would go out of date. So this page reads the same API the tool does, and prints the date it read it.
data.gov.ie — dataset suggestion 33a0c9c3, closed without publicationFrom the insurers, through the regulator. Every plan carries the insurer’s own list price as filed with the Health Insurance Authority, captured from its public API and stamped with the date it was taken.
These are list prices. What you are quoted can be higher. Take out cover for the first time after your 34th birthday and you pay 2% more for every year over. That loading is not in the feed. Your renewal letter carries the price you were actually quoted.
No. We hold ten cover areas and both excesses. A full table of cover runs to dozens more line items — home nursing, genetic testing, counselling, cancer support. Two plans that look identical here can still differ on something that matters to you. The insurer’s own table of cover is the full list.