Waiting Periods

I am switching directly to QUINN-healthcare from another Irish health insurer with no break in cover

If you have served all your waiting periods then there is no break in cover when you transfer to us. If you have not served all your waiting periods with your previous Irish health insurer you can serve the remainder of them with QUINN-healthcare. We will fully recognise the length of time you’ve spent with your previous insurer.

I am taking out health insurance for the first time

If you are taking out health insurance for the first time or it has been 13 weeks since you last had private health insurance with an Irish health insurer, the following waiting periods may apply.

	Waiting Periods
Your Age on Joining Accidents or Emergencies Illnesses that develop after you join Illnesses that develop before you join   Under 55   None   26 weeks 5 years 55 - 59 None 52 weeks 7 years 60 - 64 None 52 weeks 10 years 65 or over None 104 weeks 10 years

A 52 week waiting period applies to maternity/infertility benefits.

A 2 year waiting period applies if you want to avail of a higher level of cover/benefits for any disease, illness or injury which began or the symptoms of which began before you upgraded.

How many days treatment can you claim in a year?

Cover for in-patient hospital treatment is available for a maximum of 180 days per member in any calendar year.

Please Note: This information is issued as a guide only and does not form part of a contract. You will receive a copy of your rules booklet when you join or you can request one in advance.