Understanding Corporate Health Insurance Plans in Ireland

Corporate health insurance plans are a topic we get asked about frequently at Health Insurance Ireland. These plans consistently offer some of the best value on the market for most consumers, making them an important option to consider when reviewing your health cover.

What Are Corporate Plans

Corporate plans are health insurance policies designed by insurers primarily for large employer group schemes. Because employers pay health insurance for all their staff, insurers often provide these plans at highly competitive rates. Despite being created with employees in mind, the legislation in Ireland is very clear, it does not matter what a plan is called or who it was originally designed for. Everyone in Ireland is eligible to join any health insurance plan, including corporate plans.

Key Benefits of Corporate Plans

Corporate plans cover both public and private hospitals, giving you access when you need it most. They come with a small excess per claim and include day-to-day cover, meaning you can get at least fifty percent back on GP visits, physiotherapy, consultant appointments, and other outpatient expenses, usually with no excess or just a one euro excess to pay. Many corporate plans also include cardiac cover, adding an extra layer of protection for serious health events.

While corporate plans are not suitable for everyone, the vast majority of people can benefit from the comprehensive coverage and competitive pricing these plans offer.

How to Find Out if a Corporate Plan Is Right for You

Our recommendation is simple. Ask your broker or insurance company if the plan you are considering is a corporate plan. You may be surprised at just how competitive the benefits and pricing can be. Corporate plans are a powerful option for anyone looking to get more value from their health insurance while ensuring broad and reliable coverage.

For further guidance or more information, get in touch with us!