Employer FAQ's - Updated 17/11/20

Travel FAQs

Ireland is implementing the new EU ‘traffic lights’ approach to travel, which applies to countries in the EU / EEA (+ UK). The current advice from The Department of Foreign Affairs and Trade for travel to these countries is ‘exercise a high degree of caution’. The general advice for any other overseas travel remains ‘avoid non-essential travel’ or in some cases, ‘do not travel’.

If you travel to a country designated as ‘exercise a high degree of caution’ on your date of travel, then you will be covered as per the overseas benefits on your health insurance plan and our standard terms and conditions will apply.

Countries that have been designated as ‘do not travel’ or ‘avoid non-essential travel’ are excluded from cover, even if you determine travel is essential.

Click here for the most up to date travel advice: https://www.dfa.ie/travel/travel-advice/

If you choose to travel to a country designated as ‘do not travel’ or ‘avoid non-essential travel’ 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 changes from the ‘exercise a high degree of caution’ designation, 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 designated as ‘exercise a high degree of caution’. However, it does not provide cover for:

>>>any cancellation costs incurred as the result of a notice to “Do not travel” or “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 designated as ‘exercise a high degree of caution’, 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 have concluded discussions with all private hospitals, as we wanted to ensure our customers were treated fairly and continue to get value from their policy. These discussions helped 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.

Employer FAQ's

As a result of the Covid-19 emergency and the impact it is having on access to the private health system, we recently announced that we’ll be giving back a percentage of our health insurance premiums in the form of a rebate. This rebate reflects the expected reduction in our claims costs for a period expected to be three months, and ensures that the premium our customers pay is fair for this period.

The three months this rebate relates to is April, May and June. It is expected that all rebates for April will be issued by mid-June. If you pay monthly, rebates will be credited via 3 separate instalments across June & July. If you pay annually you will get one rebate.

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 for employees on an advanced plan and between 17% and 21% for employees on a non-advanced plan.

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

Please note that rebates have been calculated and applied based on a daily calculation. As a result rebate amounts may slightly vary based on the number of days per month.

For rebates to companies who fully or partially subsidise a group Irish Life Health insurance policy, we will be refunding the companies for their payments.

Where an amount of premium is paid directly by an employee to Irish Life Health the employee will receive a rebate directly from Irish Life Health proportionate to this amount.

1. If there is no rebate going back directly to your employee: The full rebate will be offset against the normal premium in your future invoices and should be reflected as a reduction in your employee’s Benefit-In-Kind

2. If there is a rebate going back directly to your employee: Any company rebate amount will be offset against the normal premium in your future invoices and should be reflected as a reduction in your employee’s Benefit-In-Kind. In addition to this the employee will receive a cheque or bank transfer of rebate proportionate to the amount they pay Irish Life Health directly. Please note only those who pay via direct debit will receive a refund by bank transfer.

Your monthly invoice and invoice breakdown will contain the revised gross and net premiums following the rebate. You can use these revised amounts to amend your employees Benefit in Kind (BIK), where applicable.

Your invoice and invoice breakdown can be accessed and downloaded from your scheme administration portal.

Log in to scheme administrator portal using your membership number and password -https://www.irishlifehealth.ie/secure/ie/login

Then navigate to the ‘Reporting’ section to get your invoice.

The rebate will be reflected in the invoice amounts.

For more guidelines on how to use your scheme administration portal click here

Monthly: We expect that the rebate for the month of April will be applied by the start of June and that will continue for two additional months.

Annually: We expect that the rebate will be sent by mid-June.

For companies that do not subsidise any part of an employee’s health insurance but facilitate payment through collection by salary deduction, or where an employee is paying any portion of premium directly themselves, the employee will receive communication directly from Irish Life Health. This communication will confirm the rebate amount for each month, if they pay monthly or once if they pay annually.

Your employees will receive a rebate via cheque or bank transfer, depending on how they pay us. This rebate will be reflective of the portion of their health insurance that the employee pays for themselves.

If your company fully or partly pays for your employees’ health insurance premiums and it facilitates upgrades or additional cover through payroll deduction Irish Life Health will issue both rebate components back to the company. Both rebates should then be reflected in employee’s BIK and the employee rebate should be passed to them through payroll. The updated gross and net premiums will be included in your monthly invoice breakdown which can be used for processing payroll.

We have a new benefit and new ways to access some of your existing benefits which might be of help to you and your employees at this time. You can find an overview here

Digital 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). Digital appointments across many specialities including maternity, paediatrics and mental health may also now be claimed back.

In addition, you’ll still have access to our 24/7 Digital Doctor, Nurse on Call and Healthy Minds services.

Rebates will only be given for the month in which premiums are paid – if the premium is not paid for an employee in April, May or June there will be no rebate paid that month. In addition if your employees change their contribution during the three month period this will also be reflected. If you are renewing your policy during this period you will still get a rebate on the premium you pay during these months.