The Simple Health Check Every Mum Should Do Before Renewal Time
The health insurance renewal notice arrives sometime in January, usually buried between school newsletters and pizza delivery flyers. Premium’s gone up. Again. And somewhere between making lunches and finding lost PE kits, it gets shoved in a drawer with a mental note to “look at that later.”
Except later never really comes, does it? The direct debit goes out, the policy renews automatically, and life carries on. Until someone needs A&E at midnight, or the GP suggests seeing a specialist, and suddenly everyone’s scrambling to figure out what’s actually covered.
The thing is, family life changes constantly. The toddler who needed regular check-ups is now a football-mad eight-year-old with dodgy ankles. The baby who required all that early intervention is now a healthy ten-year-old who hasn’t seen a hospital in years. But that health insurance policy? Still the same one from five years ago, costing more and possibly covering things nobody needs anymore.
When Did Your Family Actually Change?
Most parents can’t pinpoint exactly when their children’s needs shifted. It happens gradually – they stop getting every bug that goes around the classroom, or they start one sport that leads to minor injuries, or they suddenly shoot up in height and need their eyes tested more regularly.
But health insurance doesn’t adjust automatically. That comprehensive maternity cover from years ago is still being paid for. Those private room benefits that seemed essential when the children were tiny might not matter now. Meanwhile, outpatient cover that would actually be useful for all those specialist referrals? Missing completely.
It’s not anyone’s fault – it’s just that reviewing health insurance falls firmly into the category of “things that feel too complicated to deal with right now.” Especially when comparing policies means wading through dozens of providers, trying to decode insurance-speak, and inevitably ending up more confused than when you started.
What Actually Makes Sense Now
Here’s the reality for most families with school-age children: they need cover that gets their kids seen quickly when something’s wrong, without costing a fortune every month. Hospital cover for the inevitable accidents. Outpatient benefits so seeing a consultant doesn’t mean a six-month public waiting list or a massive private bill. Day-to-day cover for GP visits that add up faster than anyone expects.
They don’t need to be paying for benefits they’ll never use, or missing ones that would genuinely make life easier.
That’s where Cornmarket Health Insurance comes in. They’ve built their reputation on actually understanding what Irish families need – and more importantly, what they don’t need. Instead of pushing the most expensive policy available, they compare plans from all the major insurers and help families find what genuinely fits.
Their specialists explain everything in straightforward language, without the jargon or the hard sell. They look at what families are currently paying, what they’re actually using, and find something better. Often for less money than they’re paying now.
The Bit Nobody Talks About
Many families who finally get around to reviewing their health insurance discover they’ve been overpaying for years. Not by a little bit – by hundreds of euros annually. Money that could go towards school trips, after-school activities, or frankly anything more useful than insurance cover they’re not using.
One Cornmarket advisor put it simply: families are often paying for cover they don’t actually need, or missing benefits they could really use. A proper review usually means better cover and genuine savings. Not the kind of “savings” that insurance companies advertise but never actually deliver – real money back in the household budget.
And because Cornmarket handles all the tedious comparison work, it’s actually quick. No spending hours on comparison websites. No trying to decode policy documents written in impenetrable insurance language. Just a straightforward conversation about what the family actually needs.
Worth Checking Before the Next Renewal
Before that direct debit goes out again, it’s worth asking a few questions. Is anyone still paying for hospital benefits they rarely use? Does the current plan actually cover what matters now — like those sports injuries or consultant appointments? Are there family discounts available that nobody’s mentioned?
Most importantly: is anyone paying more than they need to for less cover than they deserve?
A free consultation with Cornmarket could answer all of those questions and potentially save a significant amount each year. They’ll review current cover, explain what actually makes sense for the family now, and handle all the switching if needed.
Visit Cornmarket’s website here to book a free family health insurance review.
Because when it comes to looking after families, peace of mind shouldn’t cost more than necessary – and that brown envelope in the drawer deserves more than just being ignored until next January.
This is a paid partnership with Cornmarket Health Insurance
