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.

Premium Rebates FAQs

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 your premium we can’t return such as the Government health insurance levy which we still need to pay during this period.


Customers with Private Hospital cover (Advanced Plans) will receive between 36% and 60% of their monthly premium back, and those on Plans with largely Public hospital cover (non-Advanced Plans) between 17% and 21%. Your rebate amount will reflect any applicable re-calculation of tax relief at source (TRS).

Everybody is entitled to tax relief on the premium they pay for health insurance. This tax relief is applied at source, meaning we claim your tax relief from the Revenue Commissioners on your behalf, which automatically reduces the premium you pay us.


As your overall annual premium is now reduced because of the rebate, the tax relief you receive may be reduced. If your tax relief amount reduces, the rebate amount that we have calculated for you will reduce to account for the change in tax relief.

There are different factors that make up your premium some of which will not change during this period:


>>The government health insurance levy is required by legislation to still be paid during this period. The cost of the levy for adult policies that renewed before April 1st is €444 for an advanced plan (with more than 66% access to any Private Cover) and €177 for a non-advanced plan (which provides for largely public hospital cover).


>>Health insurance customers will continue to be charged, (through their health insurer) for treatments for private care in public hospitals; the statutory public hospital charge from the 18 private hospitals that are part of the agreement; psychiatric care; maternity care and a range of other services.

This depends on how you currently pay your premium.


If you pay your premium by direct debit, your rebate will be credited back to your bank account for this period. That means that your direct debit payments for April, May and June 2020 have and will be processed as normal. Your rebate will then be credited to your account in 3 separate instalments across June & July.


If you paid your premium by credit card or cheque, you will get a rebate by cheque.

Unfortunately, if you pay your premium by cheque or credit card, we can’t facilitate this. You’ll get your rebate by cheque.

If you pay your premium by direct debit, we expect that you’ll receive your rebate for the month of April by the first week in June. If you pay your premium annually, we expect that you’ll receive your cheque by mid-June.

The rebate only applied to Irish Life Health members who paid a premium in April, May or June.

Renewing your policy during this period will not impact us processing your rebate – the rebate will still be applied accordingly.


If you pay by direct debit, your rebate will then be credited to your account in 3 separate instalments across June & July.


If you pay your premium annually, and renew your policy in May or June, you’ll receive two separate cheques from us to account for the two different policy years. You’ll receive the first cheque by mid-June and the second cheque when you confirm your renewal.

Once we process the rebate payment for each period, you’ll get a letter from us confirming the exact amount. Unfortunately, our call centre won’t have this information before the rebate letter is issued to you.

Not necessarily. A number of factors could impact your rebate amount including:


>>If you change your policy in some way that impacts your premium,


>>The number of days in each month,


>>If you renew your policy between April and June and this changes your premium amount.

It shouldn’t take longer than 3-5 days from the date of your refund letter, for the rebate to reflect in your account.

The Government health insurance levy is a stamp duty which health insurers must pay for everyone who has health insurance.


The levy makes up a significant portion of your premium and is still payable by Irish Life Health through this period. The cost of the levy for adult policies that renewed before April 1st is €444 for an advanced plan and €177 for a non-advanced plan.

An advanced plan is a plan which covers you for mostly private hospital care. Under regulation, a plan must provide more than 66% cover in private hospitals to be considered an advanced plan. Members on an advanced plan will pay a higher premium than those on a non-advanced plan.


Click here to see if your plan is an advanced plan.

A non-advanced plan is a plan which covers you for mostly public hospital care. Under regulation, a plan must provide less than 66% cover in private hospitals to be considered a non-advanced plan. Members on a non-advanced plan will pay a lower premium than those on an advanced plan.


Click here to see if your plan is a non-advanced plan.

If you are experiencing financial difficulties associated with this current pandemic, email heretohelp@irishlifehealth.ie and we’ll call you to discuss alternative payment options.

The Coronavirus Programme is managed by CentricGP healthcare professionals. This service is an additional support for those with symptoms of the Coronavirus infection and provides unlimited access to an online monitoring platform. Once accepted to the programme, you track your symptoms daily through the app and a clinical team monitors these symptoms, 7 days a week, and contacts you if they believe you require testing or treatment.


Click here for more information.

A digital appointment may happen for non-Covid related illnesses if you cannot attend a healthcare provider in person. For example, if you are cocooning at home, you may decide to have a phone consultation with your G.P. instead of attending the G.P. surgery in person.


Digital appointments across many specialities including maternity, paediatrics and mental health can now be claimed back through your day to day benefits (in line with your Plan benefits).

Until September 30th, we will be accepting claims for digital appointments. The process for claiming remains the same. You can submit your receipts through your online account. Receipts must show:


>The amount paid;


>The full name of the member receiving treatment and their date of birth;


>The date the treatment was received;


>The type of practitioner that you attended;


>The name, address and qualifications of the practitioner providing the care, on the practitioner’s headed paper.