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GloHealth
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GloHealth.ie | 1890 744 7441
Next Generation Tailored Plans The Net Range
GloHealth.ie | 1890 744 744 3GloHealth.ie | 1890 744 7442
How To Tailor Your Plan
1) Choose Your Network Choose the hospital accommodation that works for you from one of three core plans.
Choose this network if you want access to a comprehensive network of public hospitals.
Choose this network if you want to access a comprehensive network of public hospitals and a range of select private hospitals.
Choose this network if you want access to a comprehensive network of both public and private hospitals.
2) Choose Variable Excess This option allows you to take control of your price. Increasing your
in-patient excess reduces your price but otherwise keeps the same benefits of your plan.
An excess is the amount you have to pay per claim in a private hospital. You can choose an in-patient excess between €100, €300 or €500.
3) Choose To Add Extra Privacy This option will cover you for a private room, subject to availability.
Why Is Everyone Going To Glo?Because working with you to tailor your health insurance plan makes more sense. By choosing the benefits that suit your needs you get much better value. And it’s nice to be asked what you want for a change.
With GloHealth you tailor your cover by choosing the health benefits most relevant to you. We fit in with you, not the other way around.
The GloHealth PromiseWhat Makes GloHealth Different?We believe that everyone is entitled to a health insurance policy that fits their needs. At GloHealth we make sure that’s what you get.
More ValueGloHealth introduced tailored cover to Irish consumers. Now, our next generation tailored cover offers even more choice, more control and better value.
Not everyone needs the same plan. Some may want a private room, others may want cover for cardiac care in a high-tech hospital. Some people may want to reduce their premium by varying the excess on their plan. Whatever cover you feel you need, whatever cover you feel your family needs, with our next generation tailoring you can get the cover at a price that’s right for you.
Also, kids under 3 go free on our Net More and Net Most plans.
It’s your terms. Your conditions.
4) Choose To Add Extra Cardiac All of our plans offer comprehensive cardiac cover in the network
you have chosen. In addition, if you would like to have cover for day case & in-patient cardiac procedures in a high-tech hospital you can add Extra Cardiac.
Please see pages 6 & 7 to see which tailoring options are available within each network.
GloHealth.ie | 1890 744 744 5GloHealth.ie | 1890 744 7444
Network Plan
Net One
Net More
Net Most
Number Of Personalised Packages
Available to buy
Choose 2 at no additional cost
Choose 3 at no additional cost
Choose Your Personalised PackagesWith GloHealth you can further tailor your health insurance to suit your lifestyle when you choose your Personalised Packages. These Personalised Packages offer market leading benefits which you can use throughout the year to get even more value from your health insurance. On our Net More and Net Most plans you get to select 2 or 3 Personalised Packages at no additional cost.
Details of the benefits included in these unique Personalised Packages can be found on pages 8 & 9.
Enhanced Maternity
International Health & Travel
Family & Kids’ Health
Dental & Optical
Women’s & Men’s Health
Complementary Therapy
Sports Cover
Family Protection
Add Daily Care If you are looking for cash back on your daily medical expenses such as GP, dental or physiotherapy - a GloHealth Daily Care plan could be just what you need.
Starting from as little as €10 per month our Daily Care plans are a great way to manage your daily health costs.
With two levels of Daily Care to choose from, you choose your level of cover based on how much cash back you would like.
More Daily Care • 3 X €20 GP visits
• 3 X €20 Dental & Optical visits
• 3 x €20 Physiotherapy
• 3 x €60 Consultant visits
Most Daily Care • 5 X €25 GP visits
• 5 X €25 Dental & Optical visits
• 5 x €25 Physiotherapy
• 3 x €60 Consultant visits
For full list of Daily Care benefits go to glohealth.ie
With GloHealth Daily Care plans, you and your family can share your benefits. This means that if one member does not use all of their visits as part of their policy, another member on the policy can use that benefit.
Also, kids under three are free on our Most Daily Care plan
How To Tailor Your Plan
More
Most
GloHealth.ie | 1890 744 744 7GloHealth.ie | 1890 744 7446
In-Patient Cover
Network Plans Net One Net More Net Most
Selected public hospital Cover for a multiple-occupancy room Cover for a multiple-occupancy room Cover for a multiple-occupancy room
Selected private hospitals Not covered Cover for a semi-private room, €100 excess* Cover for a semi-private room, €100 excess*
In-patient consultant fees Covered Covered Covered
Day case - selected public hospitals Fully covered Fully covered Fully covered
Day case - selected private hospitals Not covered Covered, €50 excess Covered, €50 excess
Special procedures in selected high-tech hospitals Not covered Not covered 90% Cover*
Tailoring Options Net One Net More Net Most
Extra Privacy ✓ ✓ ✓
Variable Excess
✗ ✓ ✓
Extra Cardiac ✗ ✓ ✓
Below is a summary of what is covered under the levels of hospital accommodation on our Network plans.
Please go to glohealth.ie to see full cover details and the list of hospitals on each network.*€2,000 excess on certain orthopaedic procedures applies
GloHealth.ie | 1890 744 744 9GloHealth.ie | 1890 744 7448
Personalised Packages
Enhanced Maternity
Home birth grant-in-aid €4,000
Pre/post natal maternity costs €200
Private ante-natal class €50 contribution
Breastfeeding consultancy €25 × 2 visits
Post natal depression counselling €20 × 2 visits
Partner expenses €40 per birth
Baby sleep consultation €40 contribution
3&4D scans €50 or €75 contribution
Pre/post natal yoga & pilates €20 × 2 visits
Early pregnancy scan €30 contribution
International Health & Travel
A&E abroad €100,000
Companion expenses €1,000
Repatriation cover €1,000,000
Travel vaccine 10% discount
Treatment abroad Yes
Nurse 24/7 International Yes
Travel insurance cover: GloHealth gives you a free travel insurance policy when you choose the International Health & Travel package. For full details of what’s covered under our travel insurance benefit, please visit GloHealth.ie
Sports Cover
Physiotherapist €25 × 2 visits
Health screen €50 × 1 each year
Sports massage €25 × 2 visits
Metabolic testing Fully covered
Sports psychologist €25 × 2 visits
SADS screening €50 contribution
A&E charge €30 × 1 visit
V02 testing €30 contribution
Women’s & Men’s Health
Smear testing €40 contribution
Family flu vaccine Fully covered
Nutritionist or Dietician €25 × 2 visits
Acupuncture €25 × 2 visits
Prostate screen €40 contribution
Testicular screen €40 contribution
Health screen €30 contribution
Dexa Scan €40 contribution
Mammogram €40 contribution
Slimming club membership €40 contribution Terms and Conditions apply. For some benefits in our Personalised Packages we have a preferred provider. For full details of all of our preferred providers visit GloHealth.ie. Waiting periods may apply.
Complementary Therapy
Reflexology €25 × 2 visits
Nutritionist or Dietician €25 × 2 visits
Massage €25 × 2 visits
Acupuncture €25 × 2 visits
Osteopathy €25 × 2 visits
Physical therapist or Physiotherapist €25 x 2 visits
Chiropractor €25 × 2 visits
Reiki €25 × 2 visits
Dental & Optical
Emergency Dental €200 contribution
Retainers & fitted gum shields €25 contribution
One hour teeth whitening 60% discount
Prescription glasses €20 off
Designer prescription glasses €30 off
Contact lenses 20% discount
Laser eye surgery 20% discount
Eye exam 50% discount
Family & Kids’ Health
First aid course for mums and dads Fully covered
Child sports membership €30 contribution
Parent accompanying child expenses €25 x 2
Annual family flu vaccine Fully covered
Child nutritionist €25 x 2 visits
Child speech & language therapy €25 x 2 visits
Child developmental tests €60 contribution
Baby massage course (4 classes) €40 contribution
Children’s fitness & gymnastics €67 contribution
Baby swimming classes €40 contribution
Family Protection
First aid course for mums and dads Fully covered
Family flu vaccine Fully covered
SADS screening €50 contribution
Family life cover: GloHealth gives you a free Family Protection plan when you choose the Family Protection package. This plan provides the following benefits:
Adult accidental death €10,000
Children’s specified illness €10,000
Specified pregnancy complications €5,000
Children’s life cover €5,000
GloHealth.ie | 1890 744 744 11GloHealth.ie | 1890 744 74410
If you have any questions please contact our dedicated health insurance advisors. You can call us on 1890 744 744 or email [email protected].
Age on joining <55 years 55-59 years 60-64 years 65+ years
Accident or injury Immediately Immediately Immediately Immediately
New conditions 26 weeks 52 weeks 52 weeks 104 weeks
Pre-existing conditions 5 years 7 years 10 years 10 years
Maternity 1 year 1 year 1 year 1 year
Upgrade in cover 2 years 2 years 2 years 5 years
Daily Care Immediately 1 year 1 year 2 years
Waiting PeriodsThings You Need To Know About Waiting Periods
If You Are Switching To GloHealth From Another Insurer
If you have served your waiting periods and not had a break in cover for 13 weeks or more, you will be covered right away at the same level of cover.
If you switch to GloHealth while you are still serving waiting periods with another insurer, don’t worry, you won’t lose out. Your waiting periods already earned will be carried over, as long as there has not been more than a 13 week break in cover.
If you are upgrading your level of cover when you switch to GloHealth, waiting periods will apply for the upgraded benefits relating to pre-existing conditions only. These upgraded benefits include changes in hospitals. You will of course have access to all of the cover you previously had.
If You Are New To Health Insurance
If you have never had health insurance before, there’s never been a better time to start. With GloHealth you are covered immediately for accidents or injuries. Members who have never had a health insurance contract before will need to serve an initial waiting period on joining and may also have to serve a waiting period for pre-existing conditions. How long, depends on your age when joining. For full details please see our waiting period table on the next page.
Waiting Periods
In-patient: In-patient cover is the cover you receive for any treatment which requires you to stay overnight in hospital after being admitted.
Day case: Day case cover is the cover you receive for any treatment which requires you to be admitted as a day patient but does not require an overnight stay.
Excess: An excess is the amount that you will need to pay directly to the hospital towards your treatment.
Cardiac procedures: Listed cardiac procedures. For full list see GloHealth.ie.
Special procedures: Listed special procedures. For full list see GloHealth.ie.
High-tech hospital: These are a form of private hospitals that carry out advanced medical procedures. For full list see GloHealth.ie.
Glossary Of Terms
GloHealth.ie | 1890 744 74412GLO/10131-14
Information correct at May 2014. For full information on all of the GloHealth plans and benefits, please read the membership handbook and relevant tables of benefit on GloHealth.ie. GloHealth Financial Services Ltd trading as GloHealth is regulated by the Central Bank of Ireland. GloHealth health insurance policies are underwritten by Great Lakes Reinsurance (UK) Plc. Great Lakes Reinsurance (UK) plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is regulated by the Central Bank of Ireland for conduct of business rules.
Join By Phone:
1890 744 744Monday to Fridayfrom 8am - 8pm.
Join Online:
GloHealth.ie