How do I choose private health cover?

There are thousands of products on the market, and sorting through them is a difficult task even for experts.

To get good value for money, the product you select is more important than the particular insurer you choose. The primary decision for you to make is about hospital cover.

Once you have decided what to do about your hospital cover, you can think about whether it is worthwhile for you to pay more to get the extra benefits of general cover too. It does not make sense to spend more on extra premiums than you do on the health services they cover, many of which are routine day-to-day costs. If you think you might also benefit from adding general cover to your hospital cover, we suggest you discuss this directly with the Fund you choose.

You really need help to compare private health insurance products, otherwise you will spend many hours trying to sort it out yourself. The Quick Quote facility on Ozecover is designed to help you sort through all the different products, based on the information you tell us about yourself and your family. In most circumstances, the Quick Quote will suggest to you a list of hospital insurance covers from ten different insurers sorted in order of price. We suggest you make your primary decision about the hospital cover you want and, if you decide to buy, you may be able to apply directly through this site, because some have direct electronic linking to Ozecover.