There are no age loadings on private health insurance. There are loadings age related loadings on taking out health insurance for the first time.nstead they just added loadings to private health insurance based on age.
Many thanksSeparate to the treatment abroad scheme is the cross border directive. https://www2.hse.ie/services/schemes-allowances/cross-border-directive/
Under this you can get a referral from a GP instead of a public consultant. This will save the waiting time to see a public consultant. You would then need to see a private consultant abroad. They would diagnose/treat you etc. You pay for all of it yourself, then submit a claim to the HSE for reimbursement. They have a fixed tariff for what they will pay out. They only pay out what it would cost the HSE in Ireland for treatments. They usually don't reimburse full costs for things like outpatient consultant appointments.
You can apply for prior notification which is where, after you see your consultant abroad but prior to receiving treatment/surgery etc, you submit your info in advanced to see what they would likely approve. It's optional but I would highly recommend this.
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