Important to know
LifeStage Choices have been carefully designed
to make your healthcare as comprehensive, as relevant
and as easy to understand as possible. We have
worked hard to keep LifeStage Choices restrictions,
terms and conditions to an absolute minimum. Here
are the most important ones:
Can anyone join?
Yes. We work under the system of community rating which means that everyone in Ireland is entitled to join any of our plans, no matter what age they are or the status of their health. The prices don't change from person to person and you won't need a medical examination first.
Are there waiting periods before I can claim?
Yes there are. We have put them in to protect our members against rising costs caused by people who discover they are sick and only join so that they have cover. Here are the waiting periods:
Waiting Period |
| Your age on joining |
Accidents |
Illnesses that develop after you join |
| Under 55 |
None |
26 weeks |
| 55 to 64 |
None |
52 weeks |
| 65 or over |
None |
104 weeks |
| |
Waiting Period |
| Your age on joining |
Illnesses that exist before you join |
| Under 55 |
5 years |
| 55 to 59 |
7 years |
| 60 or over |
10 years |
A 52 week waiting period applies to maternity/pregnancy benefits.
How many days' treatment can you claim in a year?
Cover for in-patient hospital treatment is available for a maximum of 180 days per member in any calendar year.
Please Note: This information is issued as a guide only and
does not form part of a contract. You will receive a copy of the Rules of Membership when you join or you can request one in advance.
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