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Health insurers reduce the benefits on some plans

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Health insurers have reduced the benefits on a number of plans and withdrawn some schemes, prompting experts to warn people who auto-renew may lose out.

Some of the changes will mean people having to pay up to €3,000 for the likes of a hip operation, Dermot Goode of TotalHealthCare.ie said.

He said Laya Healthcare was the latest to introduce co-payments on major orthopaedic and ophthalmic procedures when carried out in private hospitals.