Private health insurance or medical insurance is very common in
Ireland. More than 50% of the population are covered by some sort of health
or medical insurance.
Health insurance is used to pay for private care in hospitals or from
various health professionals in hospitals or in their practices.
There are currently 3 health insurance providers operating in ireland:-
The "Voluntary Health Insurance Board" (VHI) is the largest
provider of voluntary private health insurance. It is a semi-state body
whose board is appointed by the Minister for Health and Children.
Quinn Direct is the second largest provider of voluntary private
health insurance in Ireland - but at the moment it is in temporary administration
beacause of serious financial irregularities.
A recent and fast growing arrival in the Irish health insurance market
is Hibernian Aviva - with Quinn having problems these are probably
the best alternative to VHI
You can switch health insurers at any time - Quinn Health customers
who are thinking of switching should look at this article about Switching
Health Insurance
Private health Insurance will usually mean you get seen quicker by
consultants and will possibly get a bed in a private room . The massive
amount of different policies and options for health insurance can be very
confusing. Check out this article on Comparison
of Health Insurance Prices in Ireland.
What if you don't have health insurance cover?
Any EU national or a person "ordinarily resident" in
Ireland is entitled to the following :
a) All in-patient public hospital services in public wards, including
consultant services, subject to certain charges. There is a daily charge
of €75 for public hospital accommodation, up to a maximum limit of
€750 in any consecutive 12 months.
b) All other out-patient hospital services, including consultants are
free.
c) Maternity and Infant care services including the services of a GP during
pregnancy and for up to six weeks after the birth are also free.
d) Accident and Emergency . If your doctor
refers you, there is no charge. Otherwise it costs €100 per
visit. Some health insurance policies cover will
pay up to €60 of this A&E fee.
Medical card holders don't have to pay any charges for hospitals
or GPs
A visit to
a GP will cost you around 40 to 55 euro if you have no GP Visit Card or
Medical card - and some health insurance schemes will refund some of this
fee.