The Net Range Brochure

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.


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


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


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


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

The Net Range Brochure

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