Anyone over the age of 18 can join.

Yes, you may change schemes at any time.

No. You need only complete and sign the health declaration on the application form.

No, all ages pay the same rates.

By direct debit or through your salary if part of a company group scheme.

Yes. Simply give details of your partner and children under the age of 21 on your application form and they will be included in whatever HSF health plan scheme you choose providing they live at the same address.

No, you keep all you receive from HSF health plan

For most benefits claims will be accepted after three months; any exceptions are clearly indicated in the brochure.

Claim forms are available to download or may be printed off from the HSF website www.hsf.ie   Alternatively please call 0818 473 473

HSF now have the facility to pay benefits directly to your bank account if you currently pay by direct debit. Otherwise, a cheque will be sent directly to your home address.

Cover begins on the date printed on your registration certificate for some benefits; qualifying periods begin on that date as well.

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