Life Is Hectic, Health Insurance Shouldn't Be
Between family, work, and everything in between, health often comes last on the list. But your 30s, 40s and 50s are when looking after your wellbeing matters most. Whether it’s fertility, menopause, or just managing the stress of modern life, it is important to find the right health cover — its4women health insurance, in partnership with Irish Life Health, is here to support you. As one of Ireland's leading health insurers, Irish Life Health brings local expertise and access to Ireland's top medical facilities.
Ireland's health insurance market is regulated and overseen by the Health Insurance Authority (HIA), which provides impartial guidance and ensures fair practices among private health insurance providers.
Whether you’re raising children, caring for ageing parents, or both, having the right health insurance means peace of mind that care for your family — and for yourself — is always within reach. Choosing the right health insurance plan is an important step, and we’re here to help you decide on the coverage that best fits your needs.
Health and Life in Motion
Irish Life’s Health of the Nation 2025* study shows that 57% of people aged 35–54 experience mental-health challenges, with women reporting greater stress and higher BMI increases than men. Over 50% of women in this age group report menstrual, fertility, or peri/menopausal issues — and 55% feel there’s a lack of support around fertility.
Fertility benefits, such as cover for IVF, IUI, and related fertility treatments, are available on selected plans to support family planning needs. That’s why plans through its4women in partnership with Irish Life Health include expert-backed benefits that focus on real female health needs, including access to women’s health clinics and specialised partner services on selected plans. Health insurance in Ireland is available to everyone regardless of gender, health status or medical history.
Types of Health Insurance Plans
Choosing the right health insurance plan is an important step in protecting your health and wellbeing. In Ireland, health insurance providers like Irish Life Health offer a variety of health insurance plans designed to suit different needs and budgets. You’ll find options ranging from basic plans that cover essential everyday medical expenses and out-patient services, to more comprehensive plans that include specialist treatments and private hospital stays. Some higher-tier plans include semi-private or private hospital rooms, giving you extra peace of mind.
When comparing plans, think about your current health needs, any ongoing treatments, the level of cover you want for you and your loved ones and budget. Leading health insurers in Ireland Irish Life Health in partnership with its4women, make it easy to find a plan that fits your lifestyle, whether you’re looking for cover for routine GP visits or more specialised care.
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Note: Many of the above benefits are provided as a contribution towards the cost of services. Terms and conditions apply. Please check your Table of Cover and Membership Handbook for more information and your exact cover
Waiting Periods and Coverage
Understanding waiting periods is key when buying private health insurance. A waiting period is the time you must wait before certain benefits on your health insurance policy become available. For example, if you have a pre-existing condition, your health insurance provider may require you to wait a set period before you can claim for related treatments.
However, many health insurance plans offer cover for accidents and injuries right away, so you’re protected when you need it most. It’s important to read your health insurance policy carefully and know exactly what’s covered and when. The Health Insurance Authority is a valuable resource for information on waiting periods and coverage across different health insurance providers in Ireland.
Taking the time to understand these details ensures you get the most from your health insurance and avoid surprises when you need to make a claim.
Because Real Health is About Balance
Between the pressures of work, family, and everything in between, it can be hard to find time for your own wellbeing — that’s why having health cover that supports you when life gets busy matters. These years can bring change — physically, emotionally, and mentally. Our cover makes sure you’re supported through it all, from fertility and family to focus and calm. Get a quote today and see how its4women health insurance can support you at every stage of life.
Community Rating: Why It’s Never Too Late to Get Covered
Community rating is one of the most important features of private health insurance in Ireland. It means that everyone pays the same premium for the same plan — no matter their age, gender, or health status. So whether you’re 35 or 55, you’ll get access to the same level of cover at the same price as anyone else on that plan.
While Lifetime Community Rating legislation does apply an extra 2% loading for each year after age 34 if you’re taking out private health insurance for the first time, it’s important to know that there is a maximum loading once applied.— and some exceptions may apply in certain scenarios. If you’ve ever held private health insurance before, even for a short time, you may not face the full loading. Visit HIA for more information,
The good news? It’s never too late to get the protection, peace of mind, and faster access to care that health insurance provides. By joining now, you’ll secure cover for future health needs and start building your waiting periods — so you can enjoy the benefits of private healthcare sooner.
Understanding how community rating and Lifetime Community Rating work helps you make informed choices, protect your health, and plan confidently for the years ahead.
Tax Relief and Health Insurance Premiums
Did you know you could save money on your health insurance premiums through tax relief? In Ireland, the Tax Relief at Source (TRS) scheme allows you to claim tax relief on your health insurance premiums at the standard rate of tax. This means that if you pay €1,000 for your health insurance, you could get up to €200 back in tax relief. The process is usually straightforward, as most health insurance providers apply this relief automatically, but it’s always a good idea to check with your insurer to make sure you’re getting the benefit. You can also claim tax relief on your health insurance premiums when filing your annual tax return. Taking advantage of this scheme can make health insurance more affordable and help you get the cover you need for yourself and your family. More information available at revenue,ie.
Ready to Get Covered?
Ready to sort your health insurance, get a quote and buy health insurance online today at www.its4women.ie
Irish Life Health dac is regulated by the Central Bank of Ireland.