The Health services in Ireland are centrally directed by the Department
of
Health and Children. At local level, the health services are operated by
eight
regional health boards. The participation of voluntary bodies in the
provision
of services is encouraged and many voluntary organisations receive
grants from
the State. The Health services are financed out of central
taxation.
Those with low incomes - about a third of the population - receive
medical
services free of charge. The rest of the population can avail of the
public
hospital services for a minimal charge. They also have to pay certain
charges,
such as for visits to the family doctor There is a system of voluntary
health
insurance to help meet the cost of medical treatment.
In 1997, the birth
rate was 14.3 per 1,000 people based on a total of 57,311
births registered
during the year. Though it fell quite steeply between 1980
and 1989, the birth
rate has been relatively stable since then. Ireland's birth
rate remains the
highest in the EU. Over 99% of births take place in hospitals.
The death rate
for 1997 was 8.6 per 1,000 people based on a total of 31,605
deaths registered
during the year.
There are 3.3 hospital beds for acute cases per 1,000 people.
In addition, for
every 1,000 people there are 1.8 beds in psychiatric hospitals
and 4.7 in
geriatric units. There approximately 128 doctors for every 100,000
people. In
1997, there was approximately [538,000] admissions to general public
hospitals.
There are two categories of public health coverage and residents are automatically entitled to one or the other.
Category One Coverage
A 'medical card' which covers all ordinary and hospital costs. It also covers dental, opthalmic (eye) and
aural (ear) services and appliances like glasses and hearing aids. Maternity and infant care services, including
visits to doctors before and after birth are all covered. Prescribed drugs and medicines are also free.
Category One eligibility
You'll qualify for a medical card if your total family income (for a married couple under 66) is less than 127.50 pounds a
week. A single person living alone (under 66) qualifies when gross income less pension taxes is 88
pounds or less. There are various adjustments based on age and number of dependents.
Category Two Coverage
Everyone else in the Republic qualifies automatically for Category Two eligibility. Every resident of Ireland is entitled to all in-patient
hospital services in public wards and all out-patient public hospital services subject to a 200 pound annual maximum charge
(at a daily rate of 20 pounds). Accident and emergency departments are covered if you have a referral note from your
doctor. Maternity and infant care services such as doctor visits are covered for up to six weeks after birth.
All children are entitled to new eyeglasses every two years, free dental work, and free orthodonture if the child's teeth
are crooked enough to justify such work purely on medical grounds. Cosmetic straightening does not
qualify. All such visits are arranged through the public health service and the child deals with a health service professional staff member, doctor,
dentist, or nurse. Such free services are available to all children in the Republic as long as they are in Primary School (until fourteen
years of age). After that age, usually only those children whose parents have medical cards (Category One coverage) qualify for
such free services.
In addition, persons spending more than 120 pounds in a 3 month period on prescribed medicines can submit a claim to have
the excess refunded. Anyone certified as having a long term medical condition requiring on-going medications totalling more than
42 pounds a month can apply to join the Drug Cost Subsidisation Scheme. If you qualify, you only have
to spend 42 pounds a month, and all further prescriptions for you and your family are covered.
Community pharmacists all carry the necessary forms to apply for these programmes. People suffering
long term illnesses such as multiple sclerosis and diabetes (the list is much longer) may apply for a special book which
entitles them to free drugs and medicines for the treatment of that illness.
Private and Semi-private rooms in public hospitals can cost up to 132 pounds daily for Category Two. This
is one of the areas which private insurance covers.
Visitors and EU Citizens
European Union (EU) or European Economic Area (EEA) citizens
living in
Ireland are automatically entitled to Category One
or Category Two coverage
the same as any Irish citizen. Visitors
from EU countries are also entitled
to free urgent medical care
so long as they present form E111 which can be
obtained from
their own health services before visiting Ireland. Visitors
from
the United Kingdom are even excused the necessity of having this
form,
so long as they obtain treatment at a public hospital or
doctor participating
in the General Medical Service scheme. There
are 1,650 General Practitioners
who are part of the scheme. A
driver's license or other proof of residence in
the UK is required.
Establishing Residency - non-EU citizens
The Department of Health has issued guidelines concerning
criteria for
establishing residency.
"A non-EU national should be regarded as
'ordinarily
resident' in Ireland if he/she satisfies the health board that
it is his/her intention to remain in Ireland for a minimum period
of one
year. Examples of the evidence which may be sought in
this context include:
-
proof of property purchase or rental, including evidence
that the property in
question is the applicant's
principal
residence;
-
evidence of transfer of funds, bank accounts, pensions;
-
Aliens's Registration Book ("Green Book"), residence
permit as
stamped on passport;
-
work permits or visas, statements from employers etc;
-
where necessary, the signing of an affidavit by the applicant.
-
A non-EU national who is in Ireland as a student should be
regarded as
'ordinarily resident' if he/she is attending a registered
course of study of
at least one academic year's duration.
-
A
dependant
of a non-EU national must also satisfy
the criterion of 'ordinary residence'
in order to establish eligibility
for health services here i.e. the fact that
a non-EU national
has established his/her eligibility does
not
imply that
non-resident dependants are also elibible."
Guide
A complete guide
to health services is available from the Department of
Health.
Send for:
Information Guide to our Health Services (ISBN 1-873820-01-1)
Department of Health
Hawkins House
Dublin 2
Ireland
The guide is also available at the
Department's internet site
Private Health Insurers
The Public Health Care System is remarkable, but it has some
gaps. That's
where private health insurance comes in. There are
roughly 3.5 million people
in the Irish Republic and 1.4 million
of them are covered by private
insurance over and above the public
health entitlements.
There are only two government authorised private medical
insurance
companies. They are the Voluntary Health Insurance
Board (VHI) and BUPA
Health Insurance Ireland (pronounced boo-pah).
VHI is a semi-state body that
has existed for decades. BUPA is
a major private insurer that has only
recently begun offering
policies in Ireland.
Roughly 75% of private insurance buyers choose VHI's mid-range
Plan B or
the comparable BUPA Essential Plus scheme.
BUPA Ireland Essential Plus Scheme & VHI Plan B Sample Comparison
BUPA Ireland Essential Plus
|
VHI Plan B
|
Full cover
for certain cardiac procedures in Blackrock Clinic & Mater Private
|
Full cover not available 10% shortfall
|
Full cover
for cancer treatment
|
Cover subject to outpatient excess
|
Full cover
for day case procedures in Mater Private and Blackrock Clinic
|
Full cover for day case procedures in Mater Private and Blackrock Clinic
|
Cover in UK for treatment unavailable in Ireland
|
Subject to Appeal
|
Maternity Grant
£725
towards accommodation
£725
towards home birth
£450
towards consultants
|
Maternity Grant
£675 towards accommodation
£675 towards Home birth
£450 towards consultants
|
Maternity Outpatient:
£200
|
Maternity Outpatient:
£100
|
Outpatient eligible expense:
Dental
£15 per annum
Optical
£15 per annum
GP £
15
Consultant
£40
Home Nursing
Up to £1200 per annum
Physiotherapy
£15
Speech & Language Therapy
£120
|
Outpatient eligible expense:
Not Available
Not Available
GP £10
Consultant £30
Home Nursing Up to £630 per annum
Physiotherapy £10
Not available
|
Medical Screening:
Osteoporosis screening
£40
Women's cancer screening
£15
Men's Cancer Screening
£15
Executive Health check
£15
|
Medical screening:
Not available
Not available
Not available
Not available
|
Alternative therapies,
1400
Therapists
:
Homeopathy
£15
Osteopathy
£15
Acupuncture
£15
Chiropracty
£15
|
Alternative therapies:
Not Available
£10 up to 4 visits p.a
£10 up to 4 visits p.a
£10 up to 4 visits p.a
|
New Born child free until next renewal
|
Not Available
|
**Inpatient
£50 Excess option
|
Not available
|
Student rate same as child
£93.73
|
Student Rate not available
|
Very Competitive Rates
Adult £262.54
Child £93.73
Student £93.73
|
Adult
£263.16 Child
£95.78 Student
£263.16
|
Example Family Quote
2 adults, 1 child, 1 student on Essential Plus £712.54 **
Essential Plus (£50 Excess) £639.76
|
Example Family Quote
2 adults, 1 child, 1 student on VHI Plan B £885.26
|
Charges vary according to plan and whether the coverage is
group or
individual. Even after choosing a plan, there are options
for increased
coverage at additional cost.
Contact each company for their latest brochure, or check
out their Web
sites.
Those with private insurance pay the doctor up front, then
reclaim the
expense at the end of the year if the deductible/excess
is passed. Major
expenses such as hospital visits are billed
directly to the health insurer.
Other Costs
A standard visit to a doctor costs about 25 pounds, though in parts
of
Dublin it can be higher. In Ireland doctors still make house calls and
there is
no extra charge.
Drugs aren't covered by private insurance at all, unless
they're
part of a hospital stay or outpatient prescription. There is
no
non-emergency dental coverage or eye glass cover. Specialists
charge about 40
pounds per visit. Dental visits vary considerably
depending on the service
provided, but a simple filling should
cost around 30 pounds.
Privately paid Orthodonture
is not cheap. The cost for a full course of
treatment currently
is around 2400 pounds (paid over two years) though
individual
practictioners may charge greater or lesser amounts depending
on
the work required. This sum is deductible from income taxes.
There are drawbacks to the entire population having free medical care.
They
include:
-
30,500 people on hospital waiting lists.
-
6,592 - waiting for ear, nose, and
throat procedures.
-
1,600 - waiting for cardiac operations.
-
1,299 - waiting for hip replacements,
nearly 500 for more than a year.
Percentage of Adults waiting more than 12 months for public
hospital
treatment:
-
Cardiac Surgery - 68%
-
Ear, Nose, Throat - 41%
-
Gynaecology - 21%
-
Ophthalmology - 31%
-
Orthopaedics - 48%
-
Plastic Surgery - 61%
-
Surgery (General) - 30%
-
Urology - 46%
-
Vascular - 61%
Percentage of Children waiting more than 6 months for public
hospital
treatment:
-
Cardiac Surgery - 62%
-
Ear, Nose, Throat - 57%
-
Ophthalmology - 50%
-
Orthopaedics - 84%
-
Plastic Surgery - 45%
-
Surgery (General) - 45%
-
Urology - 61%
Over 50% of children awaiting treatment have been on waiting
lists more
than six months. And 20% of patients on the waiting
lists for cardiac surgery
die while awaiting operations.
These are sobering statistics and are a strong
argument for private
insurance.
On the other hand, the public health service last year treated
almost 2 million people in out-patient hospital clinics and another
1,138,000
in hospital casualty departments (emergency rooms).