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Healthcare and Health Insurance in Ireland | Digital Nomad Exchange
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Killarney, Ireland

15 Expats Talk about Health Insurance and Healthcare in Ireland

By Betsy Burlingame

Last updated on Nov 15, 2023

Summary: The quality of medical care in Ireland is generally considered to be on par with the United States. Ireland has a well-developed healthcare system, with a wide range of services available to citizens and visitors alike. Emergency services are generally reliable and efficient, with ambulances responding quickly to calls. To call for an ambulance in Ireland, dial 112 or 999.

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How are healthcare services Ireland?

When we asked expats and global nomads about the quality of medical care in Ireland, they replied:

"Healthcare services in Ireland are provided by both public and private providers. The public healthcare system is known as the Health Service Executive (HSE) and is funded by the government. It provides a range of services including primary care, hospital care, mental health services, and long-term care. The quality of public healthcare in Ireland is generally good, with a wide range of services available. Foreign residents in Ireland have access to the public healthcare system, however, they may need to pay a fee for certain services. Expats in Ireland can use the public healthcare system by registering with a local GP and paying the relevant fees. They may also be eligible for a medical card, which entitles them to free healthcare services," said one expat.

"Private health insurance is absolutely essential. The private hospitals are OK provided it is not an emergency. There is no 24 hour A and E. If it were available I would insure also for a fly you back to Germany for accidents and emergencies. I was left on a trolley for 30 hours falling a fall with a broken collar bone and ribs. I am over 70 with a heart condition. Some third world countries have better medical services than Ireland," remarked one expat in Galway.

What are medical services in Ireland like?

When we asked expats and global nomads about the quality of medical care in Ireland, they replied:

"Ireland has a comprehensive public health system that provides free healthcare to all citizens and legal residents. The public health system is funded by taxation and is managed by the Health Service Executive (HSE). The HSE provides a wide range of medical services, including primary care, hospital care, mental health services, and specialist services. Primary care services are provided by general practitioners (GPs) and community health services, while hospital care is provided by public and private hospitals. Mental health services are provided by the HSE and private providers, and specialist services are provided by consultants in public and private hospitals. Ireland also has a number of private health insurance providers that offer additional coverage for medical services," mentioned one expat in Ireland.

"My doctor recently made a house call to visit me when I was under the weather and unable to visit his office. Very happy with the costs and services," commented one expat who moved to Ballyconnell, Ireland.

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Are healthcare and health insurance expensive in Ireland?

"Healthcare and health insurance in Ireland can be expensive. The cost of healthcare in Ireland is largely dependent on the type of care needed and the provider chosen. Health insurance premiums can also be costly, and the cost of coverage can vary depending on the type of plan chosen. In general, healthcare and health insurance in Ireland can be expensive, but there are options available to help make it more affordable," remarked one expat in Ireland.

"Medical insurance is extremely complicated and needs to be renegotiated every year. Tax relief is available. Many things are not covered. People with chronic on going conditions would have difficulties. Whether your insurance is accepted depends on the individual policy and there is usually an excess to pay. Medical care in Ireland is probably the most expensive in Europe. Specialists charge 150-250 euros for 10 minute appointments. Hospital beds start at 1000 per day in crowded dirty wards," remarked one expat living in Galway.

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What are emergency services like in Ireland?

When we asked about emergency services, members in Ireland wrote:

"Emergency services in Ireland are provided by the National Ambulance Service (NAS). The NAS provides emergency medical services, fire services, and search and rescue services. To call for an ambulance, dial 112 or 999 from any phone. The operator will ask for your location and the nature of the emergency. The operator will then dispatch an ambulance to the scene," said one expat living in Ireland.

"The nearest hospital is the University College Hospital Galway. This is a dirty, old building with very few doctors many of whom barely speak English. The Galway Clinic (private) is OK but also overburdened. The Bon Secour (private) is also OK," mentioned one expat in Galway.

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Will I need to travel to see a specialist?

"Ireland has a wide selection of medical specialists across its cities and counties, with some of the best known concentration of specialists being located in Dublin, Galway and Cork. Dublin has a very diverse range of medical specialists in its city centre, as well as in the surrounding northern and southern counties of Kildare and Wicklow. Galway is widely renowned for its medical specialist practice, holding some of the largest general and specialty hospitals in the country. Cork also has many excellent medical specialists, with a few notable hospitals located throughout the city. Aside from these well known cities, many of Ireland’s smaller towns and counties are home to specialist medical clinics and consulting rooms, providing quality medical care to patients," said an expat in Ireland.

"I do return to my home country for medical care. The quality of doctors in Germany is far higher and they have time to speak to you. Hospitals are properly equipped and clean. No waiting. Even privately you have to wait long periods to see a specialist in Ireland. Finally medical services in Germany are much cheaper," commented one expat living in Galway, Ireland.

Are common prescription medications available in Ireland?

"Yes most but not all medicines are available. Even with a medical card you must pay. Prescriptions are needed for almost everything as pharmacists here do not appear to have the same capabilities as in France or Germany. My hayfever medicine is sent from Germany as unavailable here," commented one expat who moved to Galway.

"Prescription medications are widely available in Ireland. Most medications that are prescribed by a doctor can be obtained from a pharmacy. In some cases, a doctor may need to apply for special permission from the Health Service Executive (HSE) to prescribe certain medications. In addition, some medications may need to be imported from other countries," said one expat.

Do you have anything more to add about local medical facilities in Ireland?

"Ireland has a modern, highly regarded healthcare system that provides quality medical care to all its citizens. Ireland has a network of excellent hospitals and healthcare providers providing advanced treatments, high quality care and patient-centred care for all. Ireland has a long-standing tradition of training high quality medical professionals and many of its universities offer world-class medical degrees. The nation also has a history of making investments in medical research, which has enabled the development of cutting-edge treatments and technologies. In addition, Ireland has access to a range of primary care services, such as general practitioners, dentists, and pharmacies, ensuring that all citizens receive the highest level of medical care," said one expat living in Ireland.

As a foreigner living in Ireland, will I have access to public healthcare? What is it like?

"Yes I qualify because I am a German pensioner and the German government dock my pension to pay the Irish government for my medical card. It covers most things but only with enormously long waiting lists. The public hospitals are dirty, OVERCROWDED and without sufficient doctors," said one expat.

"Yes, as a foreigner living in Ireland, you will have access to public healthcare. The public healthcare system in Ireland is known as the Health Service Executive (HSE). It provides a range of services, including primary care, hospital care, mental health services, and disability services. The HSE also provides free healthcare to those who are eligible, including those who are unemployed, have a low income, or are under 18. The quality of care provided by the HSE is generally good, and the staff are friendly and helpful," remarked one expat in Ireland.

What have your experiences during the pandemic with the local healthcare system been like?

We asked expats in Ireland if they have access to public healthcare in Ireland. And, if they do have access, what is it like. They wrote...

"I suffered a back injury and was bedridden for a week. My doctor made a house visit to evaluate me and prescribe treatment. Submitting claim to our Irish insurance company was simple and easy and the cost for the Doctor visit extremely low," commented one expat living in Ballyconnell, Ireland.

"The pandemic has had a significant impact on the Irish healthcare system. The healthcare system has had to adapt to the changing needs of the population, with a focus on providing care for those with Covid-19. The government has implemented a range of measures to ensure that the healthcare system is able to cope with the increased demand, including the introduction of telemedicine services and the expansion of hospital capacity. In addition, the government has provided additional funding to support the healthcare system, including the provision of additional personal protective equipment for healthcare workers. Despite these measures, the healthcare system has been under considerable strain, with long waiting times for appointments and delays in the delivery of care," wrote one expat.

What advice do you have for expats having a baby in Ireland?

We asked expat moms who gave birth in Ireland about their experiences and advice they have for other moms to be. They said:

"Move to another country. I hear the Scandinavian countries as well as Australasia are good for birthcare," remarked one expat in Dublin.

"Firstly, research the process of having a baby in Ireland. Make sure you are familiar with local healthcare policies and public healthcare systems. Secondly, if you plan to give birth in Ireland, familiarise yourself with local medical facilities and the medical professionals providing services in your area. Thirdly, get to know the local maternity ward and its services such as prenatal classes, as well as childcare and support networks. Fourthly, connect with other parents in your area and seek out advice from those who have first-hand experience in raising children in Ireland. Finally, look for resources available to support you through all the stages of parenting," explained one expat living in Ireland.

Are healthcare services good in Ireland?

We asked people if they have access to good medical care in Ireland. They wrote:

"We arrived and immediately found a local GP tp handle everyday needs. An annual check up is €50 and a referral to a specialist has been at zero cost to us. Local hospital is 30-40 minutes from home by lovely bus or car. We purchased a full insurance policy, just in case, for €160 a month," explained one expat living in Tobercurry.

"Ireland offers a wide range of public and private healthcare services. Public healthcare consists of a system that is financed through taxation and provides citizens with basic medical care including emergency services, primary care, in-patient care and mental health services, free of charge or at a nominal cost. Private healthcare services in Ireland, such as GP practices, private hospitals, and other independent health care providers, allow for a wider range of choices and more personalized care for those willing and able to pay for their own healthcare costs. In recent years, Ireland has also made significant investments in expanding access to health care and providing better support for health promotion and disease prevention," said one expat in Ireland.

About the Author

Betsy Burlingame Betsy Burlingame is one of the founders of Digital Nomad Exchange and the Founder and President of Expat Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange and Digital Nomad Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

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Killarney, Ireland

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