Health Insurance

You are indeed covered for accidents and emergencies while abroad. Your plan provides hospital (in-patient) accident and emergency cover ranging from €55,000 to €100,000 for temporary stays abroad (up to 31 consecutive days outside of Ireland). Our plans are tailored for members residing in Ireland for at least 180 days of the policy year.

If you require information or hospitalization while overseas, please contact our 24-hour international assistance helpline at 00 353 148 17840. It's important to reach out to this helpline before receiving treatment, whenever reasonably possible. Failing to do so may result in not being able to claim for treatment under this benefit.

For your convenience, please log into your Online Account to check your Table of Cover and confirm the extent of A\&E cover on your policy. While health insurance covers accidents and emergencies abroad, we emphasize that it is not a substitute for travel insurance. Thus, we recommend purchasing travel insurance before your departure.

Furthermore, it's advisable to obtain a European Health Insurance Card before traveling. You can find information on how to apply for this card on www.ehic.ie.

If you need to contact your current insurer after setting up a policy with us, please see these handy links below. You simply need to fill in your details in the cancellation letter template and then send it on to your current insurer.

• VHI Cancellation Letter: vhi-cancellation-letter.pdf (irishlifehealth.ie)
• Laya Cancellation Letter: laya-cancellation-letter.pdf (irishlifehealth.ie)

The inpatient excess is a predetermined amount that you contribute towards the expenses incurred during your stay in a Private or High-Tech hospital. By having an inpatient excess on your policy, you can reduce costs while retaining access to Private and High-Tech hospital facilities. It's important to note that the inpatient excess is exclusively applicable to the Private and High-Tech hospital coverage on your plan; it is never applied to Public Hospital cover.

The specific inpatient excess amounts will vary depending on your chosen plan, so it's crucial to refer to the correct Table of Cover. To access this information, simply log into our Member Area. It's important to mention that all inpatient excess payments are made directly to the hospital, and you cannot seek reimbursement for this expense. The inpatient excess feature is designed to provide you with cost-effective access to private medical facilities while maintaining the quality of care you need.

The Government offers a tax credit to alleviate the financial strain of private health insurance for individuals. As your health insurance provider, we handle the process of deducting your tax relief from your premium, eliminating the need for you to claim it back from the Revenue Commissioners. This ensures a seamless and hassle-free experience for you.

The Irish Government imposes a Health Insurance Levy on health insurers for each policyholder. This levy is subject to potential annual changes in accordance with the Government's yearly budget.

The levy constitutes a fixed portion of your health insurance premium. For instance, if you are an adult with an annual premium of €1,200 on a Level 2 plan, €449 of that amount represents your Health Insurance Levy, approximately one-third of the total premium.

The funds generated from this levy are utilized to support the Risk Equalisation Premium Credit, which benefits insured individuals aged 65 and over.