A lot of people in Ireland
use Private health insurance.
This is used to pay for consultants and further treatments
or investigation work as well as hospital stays
There are currently 3 providers in Ireland.
The
largest of the three is The
Voluntary Health Insurance Board. The board is appointed by the Minister for
Health and Children.
BUPA Is the
second largest provider private health insurance in
Ireland. An advantage of BUPA is it is also recognised in the UK
VIVAS
HEALTH Is the
new arrival for private heath insurance in Ireland
Ireland has a
reputation for poor and expensive health care, but it is no
worse than the UK. Any EU national or ordinary resident is
entitled to for Free.
a) All in-patient
public hospital services in public wards, including consultant
services, subject to certain charges. There is a daily charge
of €45 for public hospital accommodation, up to a maximum limit
of €450 in any consecutive 12 months.
b) All other out-patient hospital services, including
consultants.
Accident and Emergency department treatment. If your
doctor refers you, there is no charge. Otherwise it costs €45
per visit.
c) Maternity and Infant care services including the services of
a GP during pregnancy and for up to six weeks after the birth.
If you don't mind
waiting you maybe better just using the health service.
My Fiancée and I are in
a private medical scheme. It doesn't quite work the same as in
the UK. In the UK I could pick where I wanted to go, who I
wanted to see and when I wanted to go. Recently my fiancée was
experiencing abdominal pains, so she went to the doctor who
after an examination told her to get an overnight bag and go to
A&E. We were there 7 hours while they did tests and they then
sent her home. She was still in pain so she spoke again to her
doctor who suggested she got some Ultra sound scans done, we had
to arrange these ourselves and the insurance agreed to pay half.
The Scans showed up a cyst and passed the results on to the
doctor. Once we had got hold of the doctor and the results had
reached him several days later he suggests the cyst is removed
and we have to make an appointment with a consultant. The
earliest we could see a consultant is three weeks time. Things
then seemed to move a bit quicker, quicker than we thought. She
went to see the consultant and the next thing I had a phone call
at work saying she was on her way home to pick up some bits as
they were operating that afternoon. It was delayed slightly and
after they had dealt with a couple of emergencies. They operated
in the evening. I went back the next day to visit and she was
discharged. After a couple of weeks at home she was fighting fit
and back at work.
If you have medical
expenditure in Ireland and are a taxpayer - you can get tax
relief on all expenses - medicine, treatment (except dental)
If you live in Ireland and do not have a medical card,
you are considered a private patient if you visit your GP. This
means that you must pay for the services provided.
A visit to a GP will
cost you around 30 to 40 euro - and some insurance schemes will
refund some of this fee. I can see this happening in the UK, but
it does ensure you only go to the GP when you actually need to.
There are no set fees
or charges in Ireland for GP services. My local doctor charges
€40 when I visit him. He also charges for a repeat
prescriptions. I am sure he will charge me for other things if
he gets the chance. When you register with a GP check their
charges as the can vary quite a bit.
If you want private (i.e.quicker)
health care - then obviously health insurance is for you. But if
you are willing to join the queue with everyone else - then
insurance may be a waste of good money. (A typical basic
insurance scheme could cost €875 euro for a family of 5)
If you have a medical
card prescription for medicines are free, if not you pay for the
cost of the drugs up a 78 euro a month maximum for a family.
If you suffer from
certain long term conditions you may be able to obtain medicines
and equipment free of charge the list of conditions that are
covered is available
here

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