When adding an adopted child to an existing or new Irish Life Health Insurance Policy, once the adopted child is added to the policy within 13 weeks of the family obtaining legal guardianship waiting periods will not apply. This includes both the 26 week waiting period for new conditions and the 5 year waiting period for pre-existing condition.
If you are adding an adopted child within 13 weeks of the child’s birth then regular rules apply, i.e., waiting periods are waived and there is no additional charge until renewal.
Please note that you will need to provide proof of Legal Guardianship at the time the child is added to the policy.