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. Private Health Insurance Market Update

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

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

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

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

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

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

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

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

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)* Rates correct at 1 st October Source HIA Sample Best Buys…. Best Plan (€1,555) - Net Most 100 (€975) or Best Smart (€1,098) * Covers private room in private hospitals

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

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

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. Why Dental Insurance? *Based on DeCare Dental research conducted in 2014

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

Level 1Level 2Level 3 Care & Prevention (No Waiting Period)100%  2 dental exams per year  Your Dental x-rays  2 dental cleanings per year  1 emergency dental treatment worldwide per year Minor/Major Treatment (No Waiting Period)40%50% 70%  Fillings, Extractions, Gum Disease Treatment  Crowns*, Root Canal, Bridges  Implant Supported Crowns, Dentures Orthodontics (18 month Waiting Period)€0€750 €1,000  Once off lifetime contribution. 8 to 18 years * Annual maximum of €500 per year for crowns, inlays & onlays

Provides a platform for a lifetime of improved oral health DeCare Dental Insurance plans encourage regular dental care through a healthy smiles approach Dental Insurance through Cornmarket Annual PremiumInsured only Insured & Partner Insured & Children Insured & Family Level 3€286.68€504.96€487.44€ Monthly Direct Debit Insured only Insured & Partner Insured & Children Insured & Family Level 3€23.89€42.08€40.62€65.97 Rates correct at 1 st October 2015

Our Comparison Service Contact Details On-line enquiry Our Approach Expert & Confidential Covers all providers No cost to you

Questions? Proud sponsors: 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. 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.