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Essential Gold

Out-patient Benefits

Out-patient costs refer to medical expenses that you pay yourself on a day-to-day basis, such as GP fees, visits to consultants or fees for physiotherapy.

You can see the different expenses we cover and the amounts you can claim for each expense below.

An excess applies to any out-patient claim on the Essential Gold scheme, this means that the first €220 for an individual policy or the first €380 for a family policy must be covered by the member themselves. Any expenses in excess of this can be submitted for refund.

Each receipt you have from throughout the year is worth a certain amount towards your excess and these amounts are listed below.

However, we pay for the following treatments in full and you do not have to pay any excess.

They are:

Breast prosthesis (following in-patient treatment). For details of subsequent prosthesis please call our customer care team;

One hairpiece each year (following in-patient cancer treatment);

Home-nursing for children under 18 years (following a hospital stay of five consecutive days) - €100 per day for the first 28 days;

Manual lymph drainage for cancer patients. This advanced therapy improves the quality of life for many cancer sufferers. Members are entitled to claim up to €500 for this treatment.

DIRECT PAYMENT CENTRE LISTING - please click on the required link below .

Mammogram Centres

Breast MRI Scan Centres

MRI Scan Centres

DEXA Scan Centres

PET Scan Centres

CT Scan Centres

Colon Cancer Screening

This is the list of out-patient benefits which are subject to the out-patient excess and the amount you can claim for each

Consultant radiologist fees: full refund.

Pathologist fees: up to €20 for each referral.

Radiology and pathology charges: full refund provided tests took place at a QUINN-healthcare participating hospital or approved diagnostic centre.

Hospital casualty charges: up to €20 per episode.

Physiotherapy: up to €20 per consultation and a max of 25 visits each year.

General practitioner: up to €20 per consultation.

Approved complementary therapies - acupuncture, homeopathy, chiropractic and osteopathy: up to €20 per consultation and a max of 12 visits per therapy

Reflexology (including baby reflexology) - up to €20 per visit for up to eight visits each year.

Certain medical and surgical appliances: up to the amount shown on the QUINN-healthcare approved list (please ask for details).

Consultant fees (excluding maternity): up to €51 per consultation.

Consultant fee (for maternity): up to €400 per pregnancy.

Home nursing following in-patient treatment for a person aged 18 years or over (on consultant referral): up to €40 each day for up to 40 days each year.

Women's cancer screening at approved centres up to €30 each year.

Blood tests for the purpose of prostate cancer screening: up to €20 each year (at approved centres).

Dental visit: up to €25 each year.

Emergency dental treatment for and immediately following an accidental external impact: up to €510 for restorative treatment.

Optical (FAOI) - eye test and/or glasses or contact lenses: up to a combined maximum of €20 per year.

Orthoptic cover - up to €20 per visit for up to eight visits each year.

Executive health check (at approved centres) - €100 per year.

Speech and language therapy (on GP or consultant referral), chiropody and occupational therapy: up to €20 per visit for up to 12 visits combined each year.

Dieticians fees: up to €25 per visit for 5 visits per year.

Physical therapy: up to €20 per visit for up to eight visits each year.

Sports Health Screening: up to €150 once every two years.

To view the list of participating therapists click here

QUINN-healthcare is a registered business name of QUINN Insurance Limited (Under Administration). Your insurance is provided by QUINN Insurance Limited (Under Administration), regulated by the Financial Regulator and registered in Ireland, No 240768. QUINN-healthcare Limited acts as an agent for healthcare products for QUINN Insurance Limited (Under Administration) and is a private company limited by shares, regulated by the Financial Regulator and registered in Ireland, No 242048. The registered office of QUINN Insurance Limited (Under Administration) and QUINN-healthcare Limited is at Dublin Road, Cavan, Co Cavan.