Terms and Conditions

Important Legal Notice

Please read this information carefully. Access to this website is confirmation that you have understood and agreed to be bound by all of these terms and conditions.

By proceeding further you will be deemed to have accepted them. The information published on the Total Health Cover website is provided as a convenience to visitors and should be used for information purposes only and is subject to change without notice.

Applicable law

This website is established by Lockton Insurance Brokers (Ireland) Ltd trading as Total Health Cover in the Republic of Ireland. Any use of it shall at all times be governed by the law of the Republic of Ireland and, in the event of any dispute, all relevant parties shall irrevocably submit to the exclusive jurisdiction of the courts of the Republic of Ireland.


The pages of this site are prepared and issued in the Republic of Ireland and are intended for the information of Republic of Ireland residents only. The information contained on our site does not constitute an offer or solicitation to sell any of our products referred to on this site, by anyone in any jurisdiction in which such an offer, solicitation or distribution would be unlawful or in which the person making such offer or solicitation is not qualified to do so or to anyone to whom it is unlawful to make such offer or solicitation. The services and products in this site are only available to residents of the Republic of Ireland and ordinarily resident in the Republic of Ireland for tax purposes and not available to residents of any other jurisdictions (including the US, Hong Kong & Singapore).


While Lockton Insurance Brokers (Ireland) uses reasonable efforts to ensure that the information contained on its website is current, accurate and complete at the date of publication, no representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information. Lockton Insurance Brokers (Ireland) therefore cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on this website. In addition, no warranty is given as to the freedom of this website from errors, defects, viruses or other malicious programs or macros. Lockton Insurance Brokers (Ireland) reserves the right to suspend or withdraw access to the pages of this site without notice at any time and accepts no responsibility for these pages not being available at all times.



Lockton Insurance Brokers (Ireland) accepts no responsibility for information contained in any other sites which can be accessed by hypertext link from these pages or for these sites not being available at all times. Please note that when you click on any external site hypertext link you will leave the Total Health Cover site. We are not responsible for anything mentioned on or linked to this site by any third party over which we have no control. No one may link into this site without our prior written consent.

Where a link to a non- Lockton Insurance Brokers (Ireland) website exists which has not been authorised by us, we will not be responsible or liable in any way for the content of such linked website including any products, services or other items offered through that website.


The pages of this site are for information only and do not constitute financial, or other professional advice in any way. We recommend you seek advice from a financial consultant before making any financial or investment decisions. More details and full terms and conditions for all our mentioned products are available on request. You are advised to contact you’re the healthcare provider directly, or other professional advisor with respect to your personal healthcare or financial situation, prior to making any such decision concerning your health cover or finances.


This website does not intend to market any products or services to children. Lockton Insurance Brokers (Ireland) does not knowingly gather, or solicit data, from children through this website for marketing purposes.

Copyright Notice

Save where otherwise specified the contents of all the pages contained in the web site are © Lockton Insurance Brokers (Ireland) / Total Health Cover. Reproduction (save for an electronically stored transient copy for the sole and exclusive purpose of personal on-line viewing) of all or part of these pages in any form is strictly prohibited.

Subject to all copyright and other proprietary notices being observed and retained, individual sections of the website may be downloaded or printed solely for personal use and information. It is not permitted to reproduce (in whole or in part), modify, decompile, disassemble or transmit or use for any commercial purpose whatsoever any information from this website without receiving the prior written consent of Lockton Insurance Brokers (Ireland).


Please note that there is no guarantee that any e-mail sent will be received by us, or that the contents of any such e-mail will remain private during Internet transmission. If you have any such concerns, you may prefer to telephone or write to us instead.


Access to and use of the Total Health Cover website is at the user's own risk and we do not warrant that the use of this web site or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.


Lockton Insurance Brokers (Ireland) Ltd trading as Total Health Cover. is regulated by the Central Bank of Ireland. Lockton Insurance Brokers (Ireland) Ltd. is a company registered in Ireland. Registered office is situated at 18 Lower Leeson Street, Dublin 2, D02 HE97 (Company number 594973).

Data Protection

Our purposes for holding personal information and description of the general categories of parties to whom we may disclose it can be found in the Data Protection Register. You should note that we do not supply any information about you to anyone else unless we believe it is lawful to do so, or where you have given your consent in advance.

You have the right under the Data Protection Act to request a copy of the personal data which we hold with reference to you on our computer systems.

Please see our Privacy Policy for further information.

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