The last step of the enrolment process for your health insurance will display quote details for your customised plan. The premium presented here might differ from the amount that was displayed on the first screen you see in the Kota app, when you were choosing from the multiple available plans. Why? The exact premium will always depend on personal characteristics such as age, extras selected, or when you took your first health insurance policy.
Let's explain all the information displayed on this screen, so you are sure of what and how much you'll be paying:
Plan Name and Product Summary
Tap here to have a full list of what's covered in your planDate of coverage
The period your plan will be active. The end date ('Group renewal date') matches your employer's group policy renewal date with this provider. As so, this might be less than one year, if your employer created their group policy before you enrolled (e.g. if your employer originally set up the insurance in July, and you're being added to the benefits package in December, you will be part of the employer package for 7 out of 12 months). The policy will be automatically renewed by that end date, unless you or your employer request to cancel it. Note that the price might have changed at renewal date - we'll inform your employer if that's the case.Pricing per person
If you have dependants added, these will show separately under this section. Otherwise, it will show just your name and monthly premium. You can maximise this section to verify any additional fees that might have been added on top of the gross premium, such as any LCR loading - if applicable.Monthly payments
Here you can find a breakdown of how much of the premium will be paid by your employer and how much will be paid by you (which will be deducted from your salary - which is confirmed once you tick the agreement checkbox). If you select a health insurance plan that is equal or cheaper to the set contribution defined by your employer, you won't have to pay anything.Note that this amount is the premium gross cost, that is, it includes TRS, as you are part of an employer scheme. You might find the same healthcare plan on the Irish Life Health website, and wonder why it’s a lower cost. This is because individuals are offered net prices with the TRS already deducted. However, as your employer is paying for this benefit, the TRS may not already be deducted. This is common practice with employer led schemes. Don’t worry - you are not out of pocket! You can easily claim TRS back later from Revenue - see here how to do it -, so the end price will be the same as what’s advertised on the Irish Life Health website.