Excesses

An excess is the first part of any insurance claim that you have to pay yourself. An inpatient excess is the amount you pay to the hospital on admittance. There is never an excess applied to a public hospital, only private and High-Tech hospitals. Most excesses are 'per claim' rather than per night. 

An out-patient excess is the amount deducted from the amount you are eligible to claim, not the total you have paid. You pay for the treatment yourself, keep receipts and then claim from your provider. Most policies have a maximum level of benefit that is paid out in relation to out-patient expenses. 


Example A

Out-patient Expense Actual   cost of visit Benefit Provided per visit Number of visits Expenses incurred Allowable Expenses
GP visit €50 €20 6 €300 €120
Physiotherapy €70 €40 2 €140 €80
Dental €90 €20 1 €90 €20
Subtotal       €530 €220
Less, out-patient excess         -€300
Amount you may claim back         €0


Example B

Out-patient Expense Actual   cost of visit Benefit provided per visit Number of visits Expenses incurred Allowable Expenses
GP visit €50 €20 10 €500 €200
Physiotherapy €70 €40 6 €420 €240
Dental €90 €20 1 €90 €20
Subtotal       €1,010 €460
Less, out-patient excess         -€300
Amount you may claim back         €160
Source: www.hia.ie