Top Tips

Top 10 tips to save money on your Health Insurance Premiums

1. Review Your Policy Annually

Your health needs change over time. Make sure your policy still suits your current situation.
Avoid automatic renewals without checking for better options.

2. Shop Around & Compare Plans

Contact your insurer to see have they a better priced similar plan available
Call the other insurers to see what plans they may have that are similar to your current plan
Seek professional advice from an impartial adviser that can review all four insurers (VHI, Laya, Irish Life Health, Level Health)

3. Switch to a Corporate or Up-to-Date Plan

Many people are on outdated plans that offer poor value. Corporate plans often provide better cover for less

4. Take on a Higher Excess

Plans with higher excess (the amount you pay before insurance kicks in) usually have lower premiums.

5. Split Your Cover

Each family member can have a different plan tailored to their needs. This can reduce costs significantly.

6. Reduce Unused Benefits

If you’re not using outpatient benefits or private room cover, consider removing them.

7. Use Rebates & Cashback Offers

8. Check for Group Scheme Discounts

If you're part of a professional or corporate group, you may be eligible for discounted rates.
Check wuith your employer to see have they any offers available to employees
TotalHealthCover.ie have some discounts available on some Irish Life plans that can be purchased here.

9. Cover Young Adults Separately

Insurers offer better deals for young adults aged 18–25. Splitting their cover can save money.

10. Consult Experts

Health insurance is complex, if you want an expert review of your health insurance plan please contact info@totalhealthcover.ie