Healthcare
Ireland — Healthcare: Private Insurance
Public health services in Ireland depend on ordinary residence: medical card holders get free GP and public hospital services, while others pay GP fees of roughly EUR 45 to 65.
VerifiedGovernment / official sourceHSE / Citizens Information — entitlement to public health servicesLast reviewed: 2026-10-23
Why this matters
Relocating individuals should consider private health insurance if they prioritize access to private hospitals, shorter wait times, or additional coverage not included in the public healthcare system.
Key facts
- Anyone who lives in Ireland and plans to stay at least one year can apply for a medical card; applicants are assessed for a medical card first and then a GP visit card.
- A medical card gives free GP services, prescribed medicines subject to a per-item charge, public hospital services and some dental, optical and aural services; a GP visit card covers only GP and out-of-hours visits.
- Without a card, GP visits cost roughly EUR 45 to EUR 65, with no fixed national fee.
- Public patients may pay hospital charges with an annual cap; check the HSE for current amounts.
Steps
- Choosing a Private Health Insurance Plan — Research and compare insurance plans from various providers, considering factors such as cost, coverage, and network of healthcare providers. Read and understand the policy terms and conditions before purchasing.
- Applying for Private Health Insurance — Submit an application to the chosen insurance provider, usually online or through an intermediary. Provide personal and health-related information to determine premiums and coverage levels.
- Renewing or Changing Private Health Insurance — Review and renew your policy annually or as necessary. If you need to change providers or adjust coverage levels, you can usually do so at the start of the next policy year.