Case Study: 'Under-threes are free – that's huge for us'
AOIFE Moran recently switched health insurer, again.
She and her family moved from Aviva to GloHealth, meaning she has now been with all four insurers.
The switch was prompted by savings on the cost of the cover, and because of the add-ons offered by GloHealth.
A psychotherapist counsellor, she and her husband, Gavin Muddiman, have twins who have just turned one.
The arrival of Hollie and Harrison Muddiman meant the family went from being a two-person household to a four-person one. And the family finances have changed too, making achieving savings important.
Ms Moran says she puts a very high store on health insurance, especially as she had a pregnancy-related illness and the twins required time in an intensive care unit after they were born.
Mr Muddiman is a sound engineer, who works with bands at concerts, and the family lives in Leixlip, Co Kildare.
The family has cut the monthly cost of its private medical cover in half by opting for Glo's Net More 300 plan.
And the fact children under three are free with Glo is a major advantage. Additional benefits such as free travel insurance and free vaccines are also valued by the family.
"The fact that under-threes are free is huge for us, because we have gone from having two in the family to four. So we are facing paying out a big amount of money this year."
Ms Moran says she checks every year when renewal time comes, to see if she can save money by switching again.