How to apply

Simply call us on +353 1 514 8480 or request a call back on our website for advice on your options available or if you wish to apply for cover.

Two types of underwriting terms* are available to you:

Moratorium Underwriting (MORI)

A moratorium sets out a waiting period for pre-existing medical conditions.

The main advantages:

Quick to set up.
No medical form to complete.
Cover will begin as long as you’re symptom-free, and have not needed any treatment or medical advice for a pre-existing condition for a rolling two years.

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Full Medical Underwriting (FMU)

This form of underwriting is particularly beneficial for those with existing medical conditions.
Customers provide their full medical history.
There may be specific surcharges applied to their cover from the outset.

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* We will consider adult applicants for cover up to the day before their 76th birthday for policies with full medical underwriting, or up to the day before their 65th birthday for policies with moratorium. Please note that once enrolled, there is no upper age limit for continued cover.

Continuous Personal Medical Exclusions (CPME):

Please note that you can choose to continue with your full medical underwriting (FMU) terms you had with a previous insurer, provided full medical underwriting was established within the last three years and cover is equivalent.

You will not be subject to any new personal underwriting terms. Your cover will still be governed by the benefits, terms and conditions of the plan with us.

For more information you can call us or request a call back

+353 1 514 8480

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If you wish to apply for one of our international healthcare plans:

Step 1

Complete our application process online

Step 2

We will contact you to confirm if we can offer cover.

Step 3

If accepted, you will receive your Membership Pack containing your policy documents and your invoice.

Step 4

We will activate your cover. You will need to pay the premium as stated on your invoice.