Private Health Insurance Market Update

1. Private Health Insurance Market Update Cornmarket Group Financial Services Ltd. is regulated by the Central Bank of Ireland. A member of the Irish Life Group Ltd. Telephone calls may be recorded for quality control and training purposes.

2. Market Overview • Costs still rising • Confusion – nearly 400 plans on the market • Complexity – changing contracts / new rules • Special Offers • Discounts for Young Adults • Lifetime Community Rating

3. Our Free Comparison Service • Largest Health Insurance broker in Ireland • Unique comparison tool covering all four insurers • Expert staff who deal in health insurance only • No obligation to accept our advice • Now includes Dental Cover

4. Cost Drivers – Irish Market • Health Insurance Levies • Public Hospital Charges • Normal ‘Medical Inflation’ • Claims Utilisation • Age Profile of ‘Leavers’

5. Common Myths…. • Public treatment is free • I can only join certain plans • They won’t take me on…. • I can cancel my cover at anytime • I have a medical card – don’t need health insurance • I have to use my health insurance

6. Are you on a dated plan? • Health Plus Choice (Plan C) • Health Plus Extra (B Options) / Health + Access (B) • Forward Plan • Parent & Kids • Family or First Plan Plus Level 1

7. Are you on a dated plan? • Essential Plus Schemes • Health Manager Schemes • Simply Health Excess • Company Health & Company Care Schemes • Complete Care

8. Are you on a dated plan? • Level 2 Hospital • Level 2 Family Health or Complete Health • Level 3 Schemes • Level 1 Everyday • Business Plans (Extra, Select, Choice)

9. Are you on a dated plan? • Better Plan • Better Saver Plan • Better Smart Plan • Good Saver • Ultra Plan

10. Special Offers Range of ½ price offers on certain plans only Free 2nd + child cover on one plan only Range of child discounts now available Free cover for children < 3 on certain plans Correct at 1st October 2015 – Source Health Insurance Authority (HIA)

11. Sample Best Buys…. • HP Access – Plan B (€1,820) / HP Extra – B Options (€2,234) • Company Plan (€983) or Company Plan + L 1.3 (€1,130) • Essential Plus (€2,585) / Essential Plus (with excess) (€1,928) • Control 150 Connect (€976) or Simply Connect + (€1,099) Level 2 Hospital (€1,999) • Aviva Select Plus (€955) or Be Fit 2 (€1,243)* Best Plan (€1,555) - Net Most 100 (€975) or Best Smart (€1,098) * Covers private room in private hospitals Rates correct at 1st October 2015 - Source HIA

12. High Excess / Network Plans One Plan 500 @ €683 Advantage 500 Explore @ €612 First Focus 500 @ €778 Net More 500 @ €699 Rates correct at 1st October 2015 - Source HIA

13. For More Cost Savings… • Split your cover or provider • Claim your student rates • Drop your day-to-day cover • Seek the corporate plan equivalent • Be sensible with your accommodation cover • Watch for ‘special offers’ • Annual review is essential

14. Why Dental Insurance? 56% of people in Ireland avoid or delay dental treatment because of cost.* However research shows that preventive dentistry, delivered on a regular basis, greatly reduces the risk of dental disease • Dental insurance can bridge this gap • Greater uptake of required dental treatment • Provides tangible financial benefits. *Based on DeCare Dental research conducted in 2014

15. Current State Cover *IOTN – Index of Treatment Need determines the severity of orthodontic need ranging from 1-5 All Information taken from http://www.citizensinformation.ie/ Cornmarket can not be held liable for information provided on external websites

16. * Annual maximum of €500 per year for crowns, inlays & onlays

17. Dental Insurance through Cornmarket • Provides a platform for a lifetime of improved oral health • DeCare Dental Insurance plans encourage regular dental care through a healthy smiles approach Rates correct at 1st October 2015

18. Our Comparison Service Contact Details • 01 4708091 • On-line enquiry Our Approach • Expert & Confidential • Covers all providers • No cost to you www.cornmarket.ie

19. Questions? Proud sponsors: • Aviva Health Insurance Ireland Limited is regulated by the Central Bank of Ireland. • GloHealth Financial Services Ltd trading as GloHealth is regulated by the Central Bank of Ireland. • Laya Healthcare Limited, trading as Laya Healthcare, is regulated by the Central Bank of Ireland. • Vhi Healthcare Limited trading as Vhi Healthcare is regulated by the Central Bank of Ireland. • DeCare Dental Insurance Ireland Limited trading as DeCare Dental is regulated by the Central Bank of Ireland. Cornmarket Group Financial Services Ltd. is regulated by the Central Bank of Ireland. A member of the Irish Life Group Ltd. Telephone calls may be recorded for quality control and training purposes.