Complaints

If you have a complaint about your private health insurance, you should first speak directly to your insurer. If your complaint isn’t resolved after speaking to your insurer, you should contact the relevant regulator:

• If your complaint is about minimum benefits, Lifetime Community Rating or waiting periods, contact us.
• If your complaint is about claim disputes, procedure cover or refusal for pre-existing conditions, contact the Financial Service and Pensions Ombudsman (FSPO). The decision of the FSPO is binding on all parties unless the decision is appealed to the High Court.
• If your complaint is about service standards, non-contact from insurers or transparency, contact the Competition and Consumer Protection Commission or the Central Bank of Ireland.
• If your complaint is about data protection, contact the Data Protection Commissioner.

If you are not sure which regulator your complaint falls under, contact us and we will try to advise you.