Will Your Health Insurance Premium Increase If You Claim

There are many myths about health insurance in Ireland, and one of the most common is the idea that claiming will lead to higher premiums. The truth is the complete opposite. Claiming on your health insurance does not result in any penalties, but equally, there are no bonus rewards for not making claims.

Claim What You Are Entitled To

If your policy includes money back for GP visits, consultants, or other eligible treatments, it is recommended to claim for every expense you are entitled to. By doing so, you make the most of the cover you have paid for. Most health insurers now offer apps or online platforms that make submitting claims quick and easy. Using these tools ensures you receive the benefits of your plan without any worry about increased premiums.

Be Confident About Your Cover

For peace of mind, it is always a good idea to contact your health insurance provider if you are unsure about your entitlement. Provide them with the details of your cover and any planned treatment, and they will confirm exactly what you can claim. Knowing this information removes any uncertainty and ensures you are maximising your policy benefits.

Summary

There are no penalties associated with making claims on your health insurance. Take full advantage of the cover you have, claim what you are entitled to, and stay informed by checking with your provider if you are ever unsure. Using your health insurance to its full potential is the smartest way to protect your health and get value from your policy.