This document outlines the 'terms of business' between you and Irish Life Health dac ("Irish Life Health"). Irish Life Health is a health insurance company which underwrites non-life insurance in classes 1 & 2. Irish Life Health has its registered office at Irish Life Centre, Lower Abbey Street, Dublin1. Its Company Registration Number is: 376607. Its VAT number is 6396607G. Irish Life Health may be contacted by phone on 1890 717 717 or by emailing heretohelp@irishlifehealth.ie.

Authorisation

Irish Life Health is regulated by the Central Bank of Ireland. Irish Life Health has been entered onto the Register of Health Benefit Undertakings maintained by the Health Insurance Authority.

Codes of Conduct

Irish Life Health is subject to a number of the Central Bank of Ireland’s codes of conduct including the Consumer Protection Code 2012 and the Minimum Competency Code 2011. These codes of conduct are in place to protect consumers when dealing with regulated financial service providers. Copies of these codes are available on the Central Bank of Ireland’s website, www.centralbank.ie.

Regulated Activities

Irish Life Health is a health insurance provider. If you have purchased a hospital plan, your policy covers you for in-patient and out-patient medical expenses. If you have purchased a day-to-day plan this covers some of your day-to-day medical expenses.

Your Contractual Documentation

Your contractual documentation includes: the Membership Handbook (including the list of medical facilities); your completed application form; your Membership Certificate; your Table of Cover, the Schedule of Benefits, the General Practitioners booklet and the Terms of Business. The Membership Handbook must be read in conjunction with the Table of Cover which sets out the level of benefits you are entitled to under your plan and states which medical facilities are covered under your plan. Your Membership Certificate will set out your plan, membership number and commencement date on which you joined Irish Life Health. The Schedule of Benefits sets out the medical criteria that must be met before the procedures and treatments will be covered by Irish Life Health and the procedures and treatments that must be pre-approved by Irish Life Health before they will be covered. The Schedule of Benefits can be accessed on the Irish Life Health website, www.irishlifehealth.ie, or a hard copy is available from Irish Life Health on request.

Charges

The contract relating to your membership of your Irish Life Health policy is for a 12 month contractual term, the details of which are specified on your membership certificate. Irish Life Health will charge you a premium for this policy. If you cancel your policy prior to the end of the policy year, or do not pay your premium in accordance with the terms of your policy for the full duration of the policy year, Irish Life Health will not pay any claims made in respect of the period following the date of cancellation or non-payment and will seek recovery of the health insurance levy calculated on a pro-rata basis for each adult, student and child on your policy, for the remainder of the time left on the policy, together with an administration fee of €25 euro per policy. Details of the annual amount of the health insurance levy are set out in your membership certificate.

Where contracts are terminated mid-term, we will also charge for service supplied in accordance with the contract, such charge being proportionate to the time on cover. Irish Life Health reserves the right to deduct the amount representing the cancellation charge referred to above against the amount (if any) due to be refunded to you as a result of your cancellation of your policy. In all other circumstances, an invoice will be issued to you in respect of the cancellation charge.

Personal Data

The personal information that you provide to us or that we obtain in connection with your policy will be used to administer your policy and other insurance products provided by us, other companies in the Irish Life Group or other commercial partners, in accordance with data protection and other applicable legislation. Please do not send us any genetic test results. We will share this information with our third party administrators and any other commercial entity for the purposes above and in order to comply with our legal obligations.  We may share and use this information inside and outside of the European Economic Area, in confidence, for these purposes. We may in certain circumstances share your personal information with other insurers and with insurance bodies to the extent permitted by law for the purposes of verifying information and determining waiting periods. 

Conflicts of Interest

It is our policy to avoid any conflict of interest when providing business services to our customers. We have policies in place for our employees in relation to conflicts of interest. These are designed to ensure that potential conflicts of interest between you and us or our employees are avoided. However, if an unavoidable conflict arises we will advise you of this in writing before providing any business service.

Premium Default

If you do not pay your premium on time Irish Life Health may cancel your policy with effect from the date the first missed payment was due and not received, and you will not be entitled to claim under that policy. You may also be subject to the cancellation charge as detailed above.

Cancellation

Both you and Irish Life Health can cancel the policy by notice at any time, subject to applicable charges if relevant as set out above. In order to cancel your policy, you should write to The Customer Services Manager, Irish Life Health, P.O.Box 764, Togher, Co. Cork outlining your name, address, and policy details or telephone us on 1890 717 717.

Cooling Off

You can cancel your policy within 14 days from the date the contract was entered into or from the date you are given the policy documentation, whichever is the later. This is known as the cooling off period. If during the cooling off period of 14 days you cancel your policy with effect from its start date, we will provide a full refund of premium paid. However, if you or any member has made an in-patient treatment and/or day case claim you will not be entitled to a refund of the premium paid.

During the cooling off period, should you wish to terminate your policy with effect from a date later than the start date, we will impose a charge for providing any service supplied in accordance with the contract, such charge being proportionate to time on cover. We will also charge a mid-term cancellation charge as outlined under the “Charges” section above.

Complaints Policy

We aim to give excellent service to all our members; however, we recognise that things may occasionally go wrong.  We will do our best to deal with your complaint as effectively and quickly as possible.

If you arranged your cover through a broker inititally then you should direct your complaint to the broker through whom you arranged your cover.

Alternatively, you can contact the Complaints Team:

If you remain dissatisified with us, you may refer your complaint to the Financial Services Ombudsman Burea at the following address:

Financial Services Ombudsman's Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2

Lo Call: 1890 882090
Phone: 01 6620899
E-Mail: enquiries@financialombudsman.ie;

Law Applicable & Language of Terms and Conditions/Communications

Please note that Irish law will apply to your health insurance contract and Irish Courts will have jurisdiction to hear any disputes regarding the contents unless otherwise stated in our policy terms and conditions. All contractual terms and conditions and communications shall be in English.

Any information given in relation to quotations is valid for 1 day only. All quotations are valid only for and on the day of issue.

This Terms of Business is effective from 27th August 2016.

Irish Life Health dac is regulated by the Central Bank of Ireland.