Why buy the new Value Plus Policy?

This policy has been designed just for individuals and families to cover the important benefits that you really need at a price which is very affordable. It is similar to the Private Hospital Full Cover in that it covers all inpatient and daycare treatment on a full refund direct settlement basis (subject to fair and reasonable charges) PLUS some expensive outpatient treatment:

Full refund on outpatient surgical procedures carried out by a specialist

Full refund on MRI and CT scans

AND

GP treatment up to €150 each year

With this product, members also get access to Health at Hand – our award winning international telephone health information service. Free medical help is available through a range of health professionals 24 hours a day. The service is staffed by UK registered nurses, midwives, pharmacists and counsellors.
This product is available for purchase online, it is underwritten using moratorium underwriting (as opposed to being fully medically underwritten) with no need to provide full medical information at that stage.

Why choose moratorium underwriting?

There is no need to disclose medical history on your application. Instead we automatically exclude pre-existing medical
conditions which you have:

received treatment or medication for (including diet) or

sought medical advice or

become aware of or might reasonably have become aware of any signs or symptoms during the five years immediately before the start of your cover. We may need to ask for additional medical information when you make a claim.

Once you have been a member for two consecutive years, you may be able to claim for treatment of pre-existing conditions as long as you have had a period of two consecutive years with no treatment or symptoms for that condition since you became a member.

There are some medical conditions, those that continue or keep recurring that you may never be able to claim for, since you will never have a two year symptom or treatment free period.

There are some conditions, namely diabetes, raised blood pressure, prostrate troubles and bowel trouble where certain specified related conditions will be excluded.