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Private Irish Health Insurance

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pachamama67
7/20/2019 12:01 EST

Hello, we recently relocated from the CA to West Cork and are currently insured by Cigna Global, which is American based I am a citizen and my husband is not. I am finding that the US expat insurance companies seem to get away with violating privacy in a way they can't get away with insuring people living in the states. Under Obamacare you don't have to report a pre-existing condition, for example.

I'm wondering what expat's experiences are with private Irish insurance and pre-existing conditions. We are healthy but this is more about the principle of the matter.

Thank you!

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Muddled
7/21/2019 20:08 EST

Unfortunately there are waiting periods for pre-existing conditions set by Irish health insurers
https://www.citizensinformation.ie/en/health/health_system/private_health_insurance.html

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00abuse

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Joshuak
7/22/2019 23:31 EST

I have seen documents claiming it is 5 years on pre-existing conditions and one year on everybody else to just be able to get insurance. The expat insurance you see advertised by International companies has a price that would choke you.

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dbarnwell
7/26/2019 15:49 EST

I have never had to do a medical exam for insurance in Ireland (I don't have life insurance).
I wonder how they would know about a pre-existing condition. I suppose you have to answer (truthfully) some questionnaire they put to you.
I don't remember filling out any such form, but I have been insured for years.

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00abuse

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