Most health insurance plans carry excess amounts of different types and sizes.
This is the first part of the claim you will need to pay yourself for an overnight stay in a private or hi-tech hospital. Your insurer will pay the rest. If you are being treated in a public hospital you don’t need to pay any excess.
Again, this is the first part of the claim you will need to pay yourself but it is only payable when you’re being treated in a private or hi-tech hospital, and not staying overnight (for example a wisdom tooth removal or colonoscopy).
This differs from the other excesses, and can be confusing. Instead of being the first part of the claim you pay before cover kicks in, it’s the threshold which you must exceed in claimable expenses before you are eligible to claim. Treatments that can carry outpatient excess include A&E, GP visits, consultations and scan cover. The lower your outpatient excess, the more likely it is that you’ll be able to claim back. If you have a number of these expenses you should look for a plan with lower outpatient excess. See table below highlighting the advantage of having a low out-patient excess.
Plan Information sourced from Health Insurance Authority (www.hia.ie), all plan information correct from 01/08/2018. Vhi Healthcare DAC trading as Vhi Healthcare is regulated by the Central Bank of Ireland. Irish Life Health dac is regulated by the Central Bank of Ireland. A private company limited by shares. Cornmarket cannot be held responsible for information contained on third party websites.
Should I opt for a plan with a low out-patient Excess?