The following terms and conditions govern your use of this website. By using this website and the links accessible through this website, you accept these terms and conditions in full together with all additional disclaimers and caveats contained throughout this website. By using this website you agree that these terms and conditions are reasonable and fair. Please read these terms and conditions carefully and completely before using this website. If you do not accept these terms and conditions, or if you do not believe these terms and conditions are reasonable and fair, you should not use this website. 

Terms and Conditions

Terms of Business

Irish Life Health’s terms of business apply to your use of this website. Please click here to view our Terms of Business

Personal Data

Irish Life Health shall record all information received by electronic means via this website. Communications between you and Irish Life Health via the e-mail addresses provided on this website are not encrypted. The terms of Irish Life Health’s Privacy Statement apply to your use of this website. Please click here to view our Privacy Statement.

Information and Resources

The information contained in this website is provided for the purposes of purchasing health insurance from Irish Life Health dac (“Irish Life Health”) only. Nothing on this website constitutes, or is intended to constitute, advice of any kind. In particular, you should not rely on any information in this website as an alternative to obtaining medical advice from a healthcare professional. You should always consult your doctor or healthcare professional on all medical matters. If you believe you may be suffering from any medical condition you should seek immediate medical attention.  Under no circumstances should you delay in seeking medical advice, disregard medical advice, or discontinue medical treatment due to the information provided on this website.


Use of the online purchase tool (“Online Purchase Tool”), the member secure area (“Member Secure Area”) and the online chat tool (“Livechat”) (collectively referred to as the “Online Tools”).


By using the Online Tools you undertake that, to the best of your knowledge and belief, all information provided to Irish Life Health is true and complete. Where you supply information relating to another person, you confirm that you have obtained consent from that person to use their personal information and share such information with Irish Life Health. Failure to comply with these requirements may result in your health insurance cover being withdrawn and/or legal action being taken against you. By using the Online Tools you authorise Irish Life Health to act upon the instructions you provide through such Online Tools without taking any further steps to authenticate such instructions. 


Access to the Member Secure Area is restricted to authorised members. You must ensure that your user ID and password are kept confidential. You must notify Irish Life Health immediately if you become aware or suspect inappropriate use of the Member Secure Area including where you suspect or become aware that a third party is or has accessed the Member Secure Area using your login details. Irish Life Health may disable your user ID and password in Irish Life Health’s sole discretion without notice or explanation. 


Livechat is provided to all users to receive assistance in relation to the navigation and use of this website. Use for any other purpose is prohibited. Livechat is not provided for the purpose of assisting you in the selection of a health insurance policy. By using Livechat you consent to the administrators of Livechat processing any personal information disclosed during the course of the chat and logging necessary browser information. No warranty is given by Irish Life Health as to the availability of the Livechat service. 

Copyright

All materials on this website, including the website’s design, layout and organisation are owned or licensed by Irish Life Health and protected by copyright. All intellectual property rights in this website are reserved. You may only access, download, or print the information and materials on this website for personal, non-commercial use. You may not change or delete any copyright or proprietary notice from materials downloaded from this website or any website accessible through this website. You may not publish, copy, reproduce, distribute, transfer, or otherwise exploit any information or materials contained on this website, or any information or materials accessible through this website, in whole or in part. 

Jurisdiction of the Services

Irish Life Health is licensed to underwrite health insurance in the Republic of Ireland only and does not engage in the business of providing insurance outside the Republic of Ireland, except as may be permitted by law. 

Breach of these terms and conditions

You may not use this website in any way which is unlawful, illegal, fraudulent or harmful, or which causes damage to or affects the accessibility of this website. If you breach these terms and conditions in any way, Irish Life Health may take such action as it deems appropriate, including suspending your access to this website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you. This is without prejudice to any other right of Irish Life Health rights under these terms and conditions. 

Disclaimer of Warranty

The information, materials and links provided on this website, or accessible through this website, are made available "as is" and "as available" without any representations or warranties of any kind. Irish Life Health disclaims all warranties or representations, express or implied, regarding this website and all information, materials and links provided on, or accessible through, this website, including without limitation, the accuracy, relevance, timeliness, completeness or appropriateness of the contents of this website.

Limitation of Liability

To the fullest extent permitted by law, Irish Life Health shall not be liable to any person for any loss or damage howsoever caused, whether direct, indirect or consequential (whether in contract, tort or statutory duty or otherwise) arising out of or in connection with the use of or performance of this website, other than death or personal injury caused by negligence on the part of Irish Life Health or its agents and/or fraud or fraudulent misrepresentation on the part of Irish Life Health or its agents.


You acknowledge and agree that the limitation set forth above is a fundamental term of use of this website and failure to accept this term results in your right to use this website being withheld.  

Indemnification

You agree to indemnify and hold harmless and keep Irish Life Health at all times fully indemnified from and against all actions, proceedings, claims, demands, costs (including, without limitation, reasonable legal costs), liabilities, awards and damages howsoever arising directly or indirectly out of, in connection with or relating to any breach by you of any of provision of these terms and conditions.

Variation

Irish Life Health may change or modify the information, services and any other resources contained in or accessible through this website, or discontinue this website at any time without notice. Irish Life Health may amend these terms and conditions at its discretion from time to time. Revised terms and conditions will be effective immediately upon publication on this website. You are required to familiarise yourself with these terms and conditions each time you use this website and your continued use of this website shall be deemed your acceptance of the modified terms and conditions. 

Governing Law

Irish Life Health may change or modify the information, services and any other resources contained in or accessible through this website, or discontinue this website at any time without notice. Irish Life Health may amend these terms and conditions at its discretion from time to time. Revised terms and conditions will be effective immediately upon publication on this website. You are required to familiarise yourself with these terms and conditions each time you use this website and your continued use of this website shall be deemed your acceptance of the modified terms and conditions. 

Severability

If any provision of these terms and conditions is, or is found to be, unlawful, invalid or unenforceable, under any applicable law or by any court or administrative body of competent jurisdiction, this shall not affect the other provisions of these terms and conditions.  If an unlawful, invalid or unenforceable provision would be lawful, valid or enforceable if part of it were deleted, such part shall be deemed to be deleted and the rest of the provision shall continue in full force and effect.  

Entire Agreement

These terms and conditions constitute the entire agreement between you and Irish Life Health in relation to your use of this website and supersede any previous agreement, oral or written in respect of your use of this website.

Waiver

Irish Life Health has absolute discretion whether or not to exercise its legal rights under these terms and conditions. Failure to rely on any of these terms and conditions or any part of these terms and conditions shall not be construed as a waiver of any breach of these terms and conditions.

Assignment

Irish Life Health may freely assign its rights and obligations under these terms and conditions to any party without notifying you or obtaining your consent. These terms and conditions shall be binding upon and inure for the benefit of the successors in title of Irish Life Health. You may not assign or otherwise transfer your rights or obligations under these terms and conditions.  

Terms of Use specific to the Scheme Administration Site, the Intermediary Portal and the Provider Portal (collectively referred to as the “Administrator Areas”)

Access

Access to the Scheme Administrator Site is provided to enable group scheme sponsors to administer group schemes. Access to the Intermediary Portal is provided to enable insurance intermediaries to administer health insurance policies. Access to the Provider Portal is provided to enable medical service providers to administer claims. Use of each Administrator Area for any purpose other than as stated is prohibited. 


Access to the Administrator Areas is restricted to authorised users only. Authorised users must ensure that their user ID and password are kept confidential. Authorised users must notify Irish Life Health immediately if they become aware or suspect inappropriate use of an Administrator Area including where they suspect or become aware that a third party is or has accessed an Administrator Area using their login details. Irish Life Health may disable any user ID and password in Irish Life Health’s sole discretion without notice or explanation. 


By using the Authorised Areas, authorised users confirm that they have obtained consent from the policyholder, potential policy or member to act on their behalf. By using the Administrator Areas authorised users undertake that, to the best of their knowledge and belief, all information provided to Irish Life Health is true and complete. Where authorised users supply personal data relating to a third party, they confirm that they have obtained consent from that third party to use the personal data and share such personal data with Irish Life Health. Failure to comply with these requirements may result in authorisation to use the Authorised Area in question being withdrawn and/or legal action being taken against the authorised user. 


No warranty is given by Irish Life Health as to the availability of the Administrator Areas. Irish Life Health may terminate access to the Administrator Areas at its own discretion. All financial values displayed are in Euros.