This insurance is provided, administered and payment is collected by Blue Insurance Limited.
Blue Insurance Limited is regulated by the Central Bank of Ireland.
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Private Health Insurance Discount

Private Health Insurance Discount

Blue Insurance Limited offers significant discounts on our Annual Multi Trip and Single Trip policies for Insured Persons with VHI, Laya or Aviva Private Health Insurance policies. Your Private Health Insurance policy must include a minimum of €55,000 of inpatient medical cover abroad. If your Private Health Insurance policy includes this select 'Yes' in the 'Private Health Insurance' box on our website home page. Our Travel Insurance policy will provide the same benefits as on our standard policy, but it recognises that you already have cover on your Private Health Insurance policy for inpatient medical expenses abroad up to a specific limit (Min €55,000). Our Travel Insurance policy will top up the amount to the overseas medical expenses limit on your Private Health Insurance policy allowing you to save money on travel insurance premiums without sacrificing cover.


It is your responsibility to ensure that your Private Health Insurance policy covers you and all other travellers named on your Travel Insurance policy for a minimum of €55,000 of inpatient medical cover abroad.

Please note that not all Private Health Insurance Plans provide a minimum of €55,000 of inpatient medical cover abroad. Please check with your Private Health Insurance provider to ensure you have adequate cover to be eligible for this discount. If you cancel or fail to renew your Private Health Insurance policy, it is your responsibility to contact us as soon as is reasonably possible to update your Travel Insurance policy details and ensure you have sufficient cover. Any Private Health Insurance discount you received will be removed from the Travel Insurance policy and you may also be required to contact the Medical Screening Line to declare any medical conditions you or anyone named on your Travel Insurance policy has/has had.

Further information on Medical Screening can be found by clicking here.

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Data Privacy Policy

This notice will inform you about our policies and procedures concerning the personal information about you that we collect, maintain and disclose, in connection with the insurance policies you obtain from us.

Information we may provide to others

We may disclose information about our applicants, customers and former customers, as permitted or required by law in conjunction with our normal insurance operations, such as:

  • in the processing of an insurance claim.
  • in connection with a legal proceeding.
  • with government agencies conducting examinations of our procedures.
  • internal database marketing.
Data Protection

We collect and maintain personal information about you in order to carry out our functions as a provider of insurance products. All personal information submitted is treated with the utmost confidentiality and with appropriate levels of security.

This information is used to manage the issuance of an insurance policy, including underwriting and claims handling, and may be stored as computer records and/or paper files to assist us to complete transactions, or follow up discrepancies, complaints or queries. Details may also be submitted to regulatory authorities and auditors. Unless otherwise instructed, we may use personal data for commercial purposes.

Personal Information Restrictions

Access to the information you submit is limited to those employees who have legitimate business needs for such information with respect to the insurance policies issued. We maintain physical, procedural and electronic safeguards to protect the privacy and confidentiality of your non-public personal information.

Internet Usage

Our websites do not contain any hidden codes or applications designed to obtain any kind of information about you from your computer, apart from what is required to establish a connection and transfer content between our website and your computer.

Our host servers do obtain information about the number of connections to it. This data may contain details such as your IP address, the kind of operating system you are using and the version of your internet browser. This information is used only for the purposes of analysing the traffic to the website. It does not contain any kind of data about you which may be classified as personal or private.

Our website uses 'cookies' to track visitor navigation. Cookies are small text files stored on your computer, which identify it to our website. Cookies do not contain viruses, and the cookies stored on your computer by the website do not contain any kind of personal, private or sensitive information. They are used simply to track navigation and remember data and preferences submitted by you. Cookies can be disabled on your browser, though this may hamper your ability to effectively obtain a quote and purchase a policy from our website.

Sensitive Data

Any sensitive data supplied by you in order to purchase an insurance policy, such as dates of birth or health details, will only be used for the purpose specified at the time of submitting this data.

We reserve the right to provide this information, when we are legally obliged, to official bodies such as the Police, the Courts, or other organisations investigating insurance fraud.

Call Monitoring

We may monitor and record telephone calls in order to improve our service to you and to prevent and detect fraud.

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Important Conditions Relating To Health

Tel: 0818 286 525

Please note certain medical conditions will incur an additional premium.

Medical Screening Line Opening Hours

  • Monday: Friday 9am to 8pm
  • Saturday: 9am to 5pm
  • Sunday: 11am to 3pm
  • Quoting Reference: Blue Irish Broker 2015-2016.

Private Health Insurance Members

If you hold a valid private health insurance with a minimum of €55,000 of inpatient medical cover abroad and have declared your private health insurance details to us, then you do not need to contact the medical screening line as detailed below.

Important note: If your private health insurance does not provide cover for the full duration of your trip abroad as stated on your validation certificate you will still be required to contact the Medical Screening Line to declare your medical conditions.

Non Private Health Insurance Members

At the time of taking out this policy, do you have or have you had any medical condition(s) for which you are taking or have taken prescribed medication or are waiting to receive, or have received treatment (including surgery, tests, or investigations) within the last 2 years?

If so, it is a condition of this policy that you will not be covered under Section A – Cancellation or Curtailment Charges, Section B – Emergency Medical and Other Expenses, Section C – Hospital Benefit, Section D – Personal Accident and Section X3 – Green Fees for any claims arising directly or indirectly from this medical condition(s) unless you contact the Medical Screening Line on 0818 286 525 and they have agreed in writing to cover your medical condition(s).

If you have only one medical condition and it is one of those shown in the table of 'Medical Conditions which do not require screening' below, then this will be covered under the policy without the need to contact us.


Exclusions that apply to all Insured Persons

These exclusions apply to all insured persons irrespective of whether they are a Private Health Insurance or Non Private Health Insurance holder.

The following exclusions apply to all insured persons at the time of taking out this policy or at the time of booking the trip.

You will not be covered under Section A – Cancellation or Curtailment Charges, Section B – Emergency Medical and Other Expenses, Section C – Hospital Benefit, Section D – Personal Accident and Section X3 – Green Fees for any claims arising directly or indirectly from:

  1. Any medical condition for which you are aware of but have not had a diagnosis.
  2. Any medical condition for which you have received a terminal prognosis.
  3. Any medical condition for which you are receiving or are on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.

The following exclusions apply to all insured persons at all times:

  1. Any medical condition you have in respect of which a Medical Practitioner has advised you not to travel or would have done so had you sought his/her advice but despite this you still travel.
  2. Any surgery, treatment or investigations for which you intend to travel outside of Ireland to receive (including any expenses incurred due to the discovery of other medical conditions during and/or complications arising from these procedures).
  3. Any medical condition for which you are not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner.
  4. Your travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.

You should also refer to the general exclusions in the policy wording.


Exclusions that apply if a Close Relative or Travelling Companion has Medical Conditions

If any of the below exclusions apply to your close relative(s) or travel companion(s) at the time of taking out this policy or at the time of booking the trip, you will not be covered under Section A – Cancellation or Curtailment Charges, Section B – Emergency Medical and Other Expenses, Section C – Hospital Benefit, Section D – Personal Accident and Section X3 – Green Fees for any claims arising directly or indirectly from:

  1. Any medical condition for which a close relative or travelling companion have received a terminal prognosis.
  2. Any medical condition for which a close relative or travelling companion are receiving or on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.
  3. Any medical condition for which a close relative or a travelling companion are aware of but for which they have not had a diagnosis.

You should also refer to the general exclusions in the policy wording.


Medical Conditions which do not require screening

Important Note: If you have more than one of the below medical conditions you must contact the Medical Screening Line or if you have any other medical condition in addition to any of the below, you must declare all conditions to medical screening..

    • Achilles Tendon Injury
    • Acid Reflux
    • Acne
    • Anal Fissure/Fistula
    • Allergy (requiring non prescriptive treatment only)
    • Bells Palsy (in isolation only)
    • Benign Prostatic Enlargement
    • Blindness
    • Broken/Fractured Bones(not head or spine)
    • Carpal Tunnel Syndrome
    • Cataracts
    • Colds or Influenza
    • Colitis (no hospital admissions in last 12 months
    • Corneal Graft
    • Cuts & Abrasions (non self-inflicted)
    • Cyst Breast (Benign)
    • Cyst Testicular (Benign)
    • Cystitis
    • Diarrhoea and/or vomiting (resolved)
    • Dislocated Hip
    • Dyspepsia
    • Eczema
    • Epididymitis
    • Essential Tremor
    • Fungal Nail Infection
    • Gall Bladder Removal (if more than 3 months ago)
    • Gastric Reflux
    • Glandular Fever
    • Glaucoma
    • Gout
    • Hayfever
    • Hemorrhoids (Piles)
    • Hernia (not Hiatus)
    • Hip Replacement
    • HRT (Hormone Replacement Therapy)
    • Hyperthyroidism
    • (Overactive Thyroid)
    • Hypothyroidism (Underactive Thyroid)
    • Hypercholesterolaemia (high cholesterol)
    • Hysterectomy (provided carried out more than 6 months ago)
    • Irritable Bowel Syndrome
    • Macular Degeneration
    • Menopause
    • Menorrhagia
    • Migraine (confirmed diagnosis, no on-going investigations)
    • Myalgia (Muscular Rheumatism)
    • Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue)
    • Nasal Polyp(s)
    • Neuralgia, Neuritis
    • Nut Allergy
    • Osteochondritis
    • Osteoporosis, Osteopaenia (fragile bones) NO vertebral (backbone) fractures
    • Pelvic Inflammatory Disease
    • Psoriasis
    • Reflex Oesophagitis
    • Rheumatism
    • Rhinitis (Allergic)
    • Shingles (Herpes Zoster)
    • Shoulder Injury
    • Sinusitis
    • Sleep Apnoea
    • Tendon Injury
    • Tonsilitis
    • Underactive Thyroid
    • Uriticaria
    • Varicose Veins legs only (if GP has confirmed that client is fit to travel)
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This insurance is provided, administered and payment is collected by Blue Insurance Limited.
Blue Insurance Limited is regulated by the Central Bank of Ireland.
Are you having difficulty viewing this webpage? Click here for more details.



This insurance is provided, administered and payment is collected by Blue Insurance Limited.
Blue Insurance Limited is regulated by the Central Bank of Ireland.
Are you having difficulty viewing this webpage? Click here for more details.



This insurance is provided, administered and payment is collected by Blue Insurance Limited.
Blue Insurance Limited is regulated by the Central Bank of Ireland.
Are you having difficulty viewing this webpage? Click here for more details.