Mercer Oneview Ireland

Dealing with your Health Cover on leaving employment

Your health is arguably your most valuable asset, and it is important that you protect it. If you are leaving employment, you may be losing valuable health insurance that is provided or subsidised by your employer. Unless this cover is to be replaced by a new employer, and not all employers offer health insurance as a benefit, acquiring new health insurance should be a very high priority for you.

Buying health insurance is about more than just looking for the lowest premium. You will need to balance affordability and benefit, as most health insurers provide different levels of cover depending on the premium paid.

Importance of health insurance

Becoming ill or having an accident can be stressful enough without having to cope with the costs of care. Depending on the type of plan you choose, good health insurance may include the following benefits:

  • Access to private hospitals, or private rooms in public hospitals
  • Cover for complex procedures in specialised hospitals
  • Cover for consultant’s fees
  • GP visits
  • Dentists visits
  • Physiotherapists fees
  • Nurses on call
  • Scan cover
  • Asthma care
  • Maternity

If you can afford to pay for it without unreasonably compromising your family’s standard of living, replacing you and your family’s health cover when you leave employment should be a high priority.

Premium costs

If you open a new health insurance policy, this is likely to be paid for by a monthly premium. The more cover you require, the higher that premium will be.

Call Mercer now on 1890 375 375.

  • The information contained in this website is for information purposes only. It should not be taken in any way as advice. It should not be relied upon as an offer to purchase or sell any of the products that are discussed.
  • The value of investments can go down as well as up.
  • Investments or products mentioned on this site may or may not be suitable for you.
  • Before investing or purchasing any product you should always seek independent financial advice. Mercer can provide independent financial advice if required.

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