Cornmarket Group Financial Services Ltd. is regulated by the Central Bank of Ireland. A member of the Irish Life Group Ltd. Telephone calls may be recorded for quality control and training purposes.

Private Health InsurancePrivate Health Insurance

Market UpdateMarket Update

Market Overview

• Costs still rising

• Confusion – nearly 400 plans on the market

• Complexity – changing contracts / new rules

• Special Offers

• Discounts for Young Adults

• Lifetime Community Rating

Our Free Comparison Service

• Largest Health Insurance broker in Ireland

• Unique comparison tool covering all four insurers

• Expert staff who deal in health insurance only

• No obligation to accept our advice

• Now includes Dental Cover

Cost Drivers – Irish Market

• Health Insurance Levies

• Public Hospital Charges

• Normal ‘Medical Inflation’

• Claims Utilisation

• Age Profile of ‘Leavers’

Common Myths….

• Public treatment is free

• I can only join certain plans

• They won’t take me on….

• I can cancel my cover at anytime

• I have a medical card – don’t need health insurance

• I have to use my health insurance

Are you on a dated plan?

• Health Plus Choice (Plan C)

• Health Plus Extra (B Options) / Health + Access (B)

• Forward Plan

• Parent & Kids

• Family or First Plan Plus Level 1

• Essential Plus Schemes

• Health Manager Schemes

• Simply Health Excess

• Company Health & Company Care Schemes

• Complete Care

Are you on a dated plan?

• Level 2 Hospital

• Level 2 Family Health or Complete Health

• Level 3 Schemes

• Level 1 Everyday

• Business Plans (Extra, Select, Choice)

Are you on a dated plan?

•Better Plan •Better Saver Plan

•Better Smart Plan

•Good Saver

•Ultra Plan

Are you on a dated plan?

Special Offers

Range of ½ price offers on certain plans only

Free 2nd + child cover on one plan only

Range of child discounts now available

Free cover for children < 3 on certain plans

Correct at 1st October 2015 – Source Health Insurance Authority (HIA)

HP Access – Plan B (€1,820) / HP Extra – B Options (€2,234)HP Access – Plan B (€1,820) / HP Extra – B Options (€2,234)

- Company Plan (€983) or Company Plan + L 1.3 (€1,130)

Essential Plus (€2,585) / Essential Plus (with excess) (€1,928)Essential Plus (€2,585) / Essential Plus (with excess) (€1,928)

- Control 150 Connect (€976) or Simply Connect + (€1,099)

Level 2 Hospital (€1,999)

- Aviva Select Plus (€955) or Be Fit 2 (€1,243)*

Rates correct at 1st October 2015 - Source HIA

Sample Best Buys….

Best Plan (€1,555)

- Net Most 100 (€975) or Best Smart (€1,098)

* Covers private room in private hospitals

High Excess / Network Plans

One Plan 500 @ €683One Plan 500 @ €683

Advantage 500 Explore @ €612Advantage 500 Explore @ €612

First Focus 500 @ €778First Focus 500 @ €778

Net More 500 @ €699Net More 500 @ €699

Rates correct at 1st October 2015 - Source HIA

For More Cost Savings…• Split your cover or provider

• Claim your student rates

• Drop your day-to-day cover

• Seek the corporate plan equivalent

• Be sensible with your accommodation cover

• Watch for ‘special offers’

• Annual review is essential

56% of people in Ireland avoid or delay dental treatment because of cost.*

However research shows that preventive dentistry, delivered on a regular basis, greatly reduces the risk of dental disease

•Dental insurance can bridge this gap•Greater uptake of required dental treatment•Provides tangible financial benefits.

Why Dental Insurance?

*Based on DeCare Dental research conducted in 2014

Current State Cover

*IOTN – Index of Treatment Need determines the severity of orthodontic need ranging from 1-5

All Information taken from http://www.citizensinformation.ie/

Cornmarket can not be held liable for information provided on external websites

Level 1 Level 2 Level 3

Care & Prevention (No Waiting Period) 100% 100% 100%

2 dental exams per year Your Dental x-rays 2 dental cleanings per year 1 emergency dental treatment worldwide

per year

Minor/Major Treatment (No Waiting Period) 40% 50% 70%

Fillings, Extractions, Gum Disease Treatment

Crowns*, Root Canal, Bridges Implant Supported Crowns, Dentures

Orthodontics (18 month Waiting Period) €0 €750 €1,000

Once off lifetime contribution. 8 to 18 years

* Annual maximum of €500 per year for crowns, inlays & onlays

• Provides a platform for a lifetime of improved oral health• DeCare Dental Insurance plans encourage regular dental

care through a healthy smiles approach

Dental Insurance through Cornmarket

Annual Premium Insured onlyInsured & Partner

Insured & Children

Insured & Family

Level 3 €286.68 €504.96 €487.44 €791.64

Monthly Direct Debit

Insured onlyInsured & Partner

Insured & Children

Insured & Family

Level 3 €23.89 €42.08 €40.62 €65.97

Rates correct at 1st October 2015

Our Comparison Service

Contact Details

• 01 4708091

• On-line enquiry

Our Approach

• Expert & Confidential

• Covers all providers

• No cost to you

www.cornmarket.ie www.cornmarket.ie

Questions?Questions?

Proud sponsors:

Cornmarket Group Financial Services Ltd. is regulated by the Central Bank of Ireland. A member of the Irish Life Group Ltd. Telephone calls may be recorded for quality control and training purposes.

• Aviva Health Insurance Ireland Limited is regulated by the Central Bank of Ireland.• GloHealth Financial Services Ltd trading as GloHealth is regulated by the Central Bank of Ireland.• Laya Healthcare Limited, trading as Laya Healthcare, is regulated by the Central Bank of Ireland.• Vhi Healthcare Limited trading as Vhi Healthcare is regulated by the Central Bank of Ireland.• DeCare Dental Insurance Ireland Limited trading as DeCare Dental is regulated by the Central Bank of Ireland.