The best medical insurance is typically available through the employer and thus the available services depend on the deal each employer has made with the insurance company of their choice.
The standard services include coverage of patient contributions for family doctor and specialist visits, as well as hospital stays and ambulatory care. Also costs for vaccinations and rehabilitation services are included in the basic packages. Additional services usually include reimbursement for medicines, dental care, optician services, and fitness clubs.
However, private insurance will provide a full range of services. You will find covers for sickness, specialists, pregnancy, children, care home, dentist, hospital, fitness, etc.
Health insurance is used to pay for private care in hospital or from various health professionals in hospitals or in their practices. You can take out private health insurance to help meet the cost of medical expenses. For example, private hospitals set their own charges. If you have private health insurance, it may cover some or all of the charges.
The arrangements vary from one company to another but most companies have agreements with hospitals, which means the company will pay the hospital directly. In general, for outpatient costs you pay the health professional and then claim from the health insurance company. You should check with your own company as to exactly what procedures they use.
The Health Insurance Authority (HIA) is the independent statutory regulator for the private health insurance market in Ireland. It monitors the operation of health insurance business in Ireland and advises the Minister for Health in this regard, including assessing the effect of any regulations or new legislation on consumers. The HIA aims to ensure that consumers are aware of their rights and that policies and publicity material describe cover in a fair and comparable way. The Authority also reviews the appropriateness of the procedures used by insurers in their dealings with consumers.
A number of companies offer voluntary private health insurance in Ireland. For example:
|You will find information and free quotes for private healthcare in the partnership section below this article.|
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