I propose to take Questions Nos. 1132, 1133, 1134 and 1135 together.
As Minister for Health, I am responsible for the regulation of the private health insurance market in Ireland. This is a voluntary market, which operates under the principles of community rating, open enrolment, lifetime cover and minimum benefit.
Private health insurance companies operate as commercial entities in a competitive private health insurance market. Beyond prescribing the minimum level of coverage that health insurers must provide under the Minimum Benefit Regulations, I am not in a position to direct any insurer to provide cover for any particular procedure or service, or direct how that cover is to be provided. I have no role in the commercial decision-making of any private health insurer.
Under the Health Insurance Acts, where an insured person upgrades to a health insurance plan with a higher level of cover, an insurer may apply a waiting period to the additional or higher benefits provided under the upgraded plan. Benefits already held under the existing policy continue to be covered.
Legislation provides for maximum waiting periods of up to two years in respect of increased benefits following an upgrade, and 52 weeks in the case of maternity benefits. These provisions operate within the context of a risk equalised community rated market, and are intended to support the overall sustainability of the health insurance market.
Current market practice indicates that, in many cases, such waiting periods are generally only applied by insurers in respect of pre-existing conditions for in-patient benefits. Customers should check with their insurance company in advance of renewing or upgrading a policy to ensure that it meets their needs and requirements.
The statutory framework governing private health insurance provides for a number of independent oversight and consumer protection mechanisms to ensure that consumers are treated fairly and in accordance with the relevant legislation and regulatory requirements.
The Health Insurance Authority (HIA) is the statutory regulator of the private health insurance market in Ireland. More information on waiting periods is available on the Health Insurance Authority’s website, at: www.hia.ie/information/waiting-periods#switch.
If a health insurance customer has a complaint about claim disputes, procedure cover or refusal for pre-existing conditions, they should first speak directly to their insurer. If the complaint isn’t resolved after speaking to the insurer, they should contact the Financial Services and Pensions Ombudsman, which provides an independent dispute resolution service for consumers and financial service providers, including private health insurers. They can be contacted via their website at: www.fspo.ie/.[]