FAQs...
    ...Health Insurance from Aviva

• How do I apply for the 10% discount?
• What is the Age Related Tax Credit (ARTC) loading?
• How do I switch to a health insurance from Aviva?
• Do I have to wait until my renewal date to switch to a health insurance plan with Aviva
• Can I upgrade my current health insurance plan from Aviva before the next renewal date?
• I have already served all my waiting periods – do I need to re-serve them all again?
• I have never had private health insurance cover before. What waiting periods will apply?
• What is a pre-existing condition?
• I have a pre-existing condition – can I switch to a health insurance plan from Aviva?
• How can I claim my tax back if I purchase health insurance from Aviva?
• What is an excess?
• What is your definition of a student?
• What is "Nurse On Call"?

How do I apply for the 10% discount?

All premiums quoted for Health Insurance from Aviva include the 10% discount.
Premiums also include the government levy, are net of tax relief at source and take the appropriate ARTC loading and credit into account.

What is the Age Related Tax Credit (ARTC) loading?

In December 2008, the Government introduced legislation which has led to mandatory changes to the way health insurance premiums are calculated. This new legislation is effective from July 2009. The premium that you pay includes a levy which is in turn paid to the Revenue Commissioners. This calculation of your premium is outlined in your membership documents. If you are aged 50 or over, an increase to your premium is now applied, however, the Revenue Commissioners will pay an amount equal to this in the form of a tax credit on your behalf. As a result there is no increase to the net premium that you pay.

How do I switch to a health insurance plan from Aviva?

Taking out health insurance with Aviva is easy. Simply contact us to discuss which plan is most suitable for you. We will then send you a short proposal form to complete. Once we receive the completed proposal form back from you we can put the cover in place immediately. We will issue you with confirmation that the cover is in place. You will receive the policy schedule and your membership card directly from Hibernian Aviva Health Insurance Ireland Limited within 5 working days of the policy starting.

Do I have to wait until my renewal date to switch to a health insurance plan with Aviva?

No. You can switch to a health insurance plan from Aviva at any time. We can arrange to have your existing policy cancelled as soon as the new policy is in place so that there is no overlap in cover. A simple instruction to your existing provider to cancel the direct debit instruction will cease cover under that policy. Any overpaid premiums will be refunded to you.

Can I upgrade my current health insurance plan from Aviva before the next renewal date?

Yes, you can upgrade your plan at any time. We will be happy to advise you on the most suitable level of cover. Please note that a waiting period may apply to the upgrade in cover. .

I have already served all my waiting periods – do I need to re-serve them all again?

No, waiting periods will only apply to any new member who:
i. Has never been insured before
ii. Is still subject to a waiting period with another health insurer
iii. Had health insurance previously but let it lapse for 13 weeks or more.
iv. Upgrades their level of cover

I have never had private health insurance cover before. What waiting periods will apply?

What is a pre-existing condition?

A pre-existing condition is any disease, illness or injury that began before the person with the disease, illness or injury started his/her membership under any health insurance contract.

I have a pre-existing condition – can I switch to a health insurance plan from Aviva?

Yes, you can switch insurer at any time. If you have already served the waiting periods with your existing provider you will be fully covered, up to the same level of cover, with Hibernian Aviva Health Insurance Ireland Limited. If you are still serving the waiting periods with your existing provider you will be required to serve the remainder of the waiting period.

How can I claim my tax back if I purchase health insurance  from Aviva?

Tax is deducted at source so you do not have to go to the trouble of claiming back tax relief from the Revenue Commissioners.

What is an excess?

An excess is the amount of money that the insurance company will deduct from your claim once they have calculated the benefit that is due back to you. With health insurance from Aviva you only have to pay the excess on your out-patient costs. The individual excess is €150 and the family excess is €250.

What is your definition of a student?

A student is someone insured on your policy between the ages of 18 and 23 as of the renewal date and who is in full time education.

What is "Nurse On Call"?

If you have health insurance from Aviva you have access to a team of qualified medical nurses for non-emergency medical information - 24 hours a day, 365 days of the year. You can receive information on a wide range of lifestyle issues, such as nutrition, first aid, pregnancy, allergies, children's health and much more.