Employee FAQ's - Updated 25/07/20

Travel FAQs

The Department of Foreign Affairs and Trade have issued a “green” rating which now designates certain countries as ‘Normal Precautions’ for travel. If you travel to a country with a “green” rating on your date of travel then you will be covered as per the benefits on your plan and our standard terms and conditions will apply.


All other countries are excluded from cover as they have been designated as ‘do not travel’ or ‘avoid non-essential travel’. Even if you determine travel is essential, there is no cover in place until The Department of Foreign Affairs and Trade moves the designation to ‘Normal Precautions’.


Click here for an up to date list of countries with a green rating.

If you choose to travel to a country that has not been given a “green” rating by The Department of Foreign Affairs and Trade, you will not be covered for medical or repatriation expenses abroad.

If your date of travel is on or before the date the country loses the “green” rating, you will be covered as per the benefits on your plan and our standard terms and conditions apply.

The European Health Insurance Card (EHIC) lets you get healthcare in another EU or European Economic Area (EEA) state for free, or at a reduced cost. It covers you if you are on holiday, or on a short-term stay (generally accepted as for a period of less than 3 months.


See https://www2.hse.ie/services/ehic/ehic.html for more information.

Your travel insurance policy provided by Allianz Assistance will cover you if you travel to a country with a “green” rating.


However it does not provide cover for:


>>>any cancellation costs incurred as the result of a notice to “Avoid Non Essential Travel” from the Department of Foreign Affairs and Trade,


>>>an Epidemic or Pandemic - this means that even if you travel to a country with a “green” rating, you will not be covered for any medical or other expenses relating to Covid-19.


For any questions about your travel insurance policy you can call Allianz on +353 1 6193620 or view your policy terms and conditions in your Travel Insurance Policy in your member area at https://www.irishlifehealth.ie/


If you have travel insurance through another provider we recommend you contact your provider for clarity on the specific terms and conditions of your travel insurance policy.

Covid-19 test FAQs

We are in discussions with the private hospitals about this as we want to ensure our customers are treated fairly and continue to get value from their policy. These discussions will help us ensure that any additional charges incurred are appropriate and fair as any increase to our costs can affect customer premiums.


Please contact us for the list of hospitals where Irish Life Health members are not charged the pre-admission COVID-19 fee.

These charges vary significantly by hospital and also in relation to what they cover. If you are due to attend one of the hospitals charging a fee we recommend that you ask exactly what you are being charged for and why. If you do not feel it is fair you can determine whether there is another hospital you can attend for the same procedure.

Employee FAQ's

Due to Covid-19 access to private and public hospital services will be managed by the public system and prioritised for critical and time dependent medical care for the period of at least three months. This means many procedures will be deferred and rescheduled for a later date. Although some private healthcare will continue to be available, we expect to see a reduction in the claims we pay for private treatments for a number of months.


As a result of this, Irish Life Health will be returning a portion of your premium during that period. For those of you whose company covers your premium you will see a reduction in your Benefit in Kind payment. For those of you who pay some (in conjunction with your employer) or all of your premium to us (via direct debit or through payroll) you will receive a monetary rebate. We will continue to pay the Government health insurance levy in respect of your policy during this time.

The rebate amount works out differently for every policyholder depending on how many dependents are on the policy, what plan(s) they are on and the policy renewal date. In addition, there are elements of the premium we can’t return such as the Government health insurance levy which we still need to pay during this period. However, you can expect to get a refund of between 36% and 60% of your monthly premium if you’re on an advanced plan and between 17% and 21% if you’re on a non-advanced plan.


Rebate amounts will reflect any applicable re-calculation of tax relief at source (TRS).

It depends on how your health insurance premium is paid. For the months April, May and June you may be entitled to a rebate and/or a reduction in Benefit in Kind (BIK). Please see the below options, one of which should apply to you:


1. Your employer pays in full for your health insurance: Your employer will receive the rebate as they pay for your health insurance. You may see a reduction in your Benefit in Kind (BIK) which your employer will process.


2. Your employer pays for a portion of your health insurance and you also pay a portion via direct debit or credit card: You will receive a rebate from Irish Life Health against the portion of your premium that you pay. Your employer will also receive a rebate as they pay for a portion of your health insurance premium. You may also see a reduction in your Benefit in Kind (BIK).


3. Your employer pays for a portion of your health insurance and you also pay a portion via payroll: You will receive a rebate against the portion of your premium that you pay via payroll. You may also see a reduction in your Benefit in Kind (BIK). This will be processed by your employer through your payroll in the coming months.


You pay fully for your health insurance via payroll deduction: You will receive a rebate for a portion of your premium for these months directly from Irish Life Health

The rebate will be applied to all policies, if you pay for your dependents you will see a portion of these premiums returned to you.

The exact sum of money that will be returned to you or your employer will be confirmed over the coming weeks. You will either receive information from Irish Life Health or from your employer, depending on how your premium is paid.


You can expect to get a refund of between 36% and 60% of your monthly premium if you’re on an advanced plan and between 17% and 21% if you’re on a non-advanced plan.


Rebate amounts will reflect any applicable re-calculation of tax relief at source (TRS).

If the rebate is coming directly from Irish Life Health:


>>If you pay your health insurance monthly we expect that you’ll receive your rebate for the month of April by the first week in June. We’ll contact you again in June and July to confirm the rebate amount that you’ll receive in those months.


>>If you pay us annually we expect that you’ll receive your rebate by mid-June.


If the rebate is coming via your payroll:


>>Your employer will return your rebate via future payroll to you over the coming months. Remember this only applies if you part pay for some (not all) of your premium via payroll.

No, your health insurance is still valid. However your access to treatment in some private facilities is now reduced. Due to this we will be returning a portion of your premium to you and we have added additional enhanced offerings that are available to you immediately.

At the end of the three month period, if the public system cease management of the private hospitals, your policy will revert to full cover as per your table of cover. Should access to private hospital treatments remain restricted or if claims experience differs during or after this initial period, there is potential for further adjustments. We will keep you informed if the situation changes.

The premium rebate is expected to be in place for the three months that the private hospitals will operate as part of the public health system. If this period is shortened, the rebate will be adjusted accordingly. We'll keep you informed if the situation changes.

We have a number of enhanced services available to you during this time:


>>Virtual appointments with doctors, consultants and nurses for non-Coronavirus related illnesses can now be claimed back through your day to day benefits (in line with your plan benefits). Virtual appointments across many specialities including maternity, paediatrics and mental health may also now be claimed back.

Yes, if you are experiencing financial challenges as a result of the crisis, Irish Life Health are here to help. Please contact us separately if this applies to you. You can email us on heretohelp@irishlifehealth.ie.