How It Works

How the EU Cross-Border Directive works for Irish families.

Five steps, set out in EU law and administered by the HSE, take a patient from GP referral to reimbursement. Most families find the idea hard to believe at first, accessing private healthcare with public funding. It is real and used by thousands of Irish patients every year, and this page explains it end to end.

The HSE Pathway

The pathway, step by step.

You can verify every part of this pathway independently with the HSE National Contact Point: Cross-Border Healthcare Directive Department, St Canice's Hospital, Kilkenny · (056) 778 4546 · crossborderdirective@hse.ie. We encourage it.

Paperwork

The mistakes that delay or sink claims.

The HSE rejects or delays claims for predictable, avoidable reasons. Ireland's Ombudsman has published case after case. These are the failure modes, and how we close each one off:

1.
A private-only referral

The referral must come from the public system. We check yours before anything else happens.

2.
A consultation dated before the referral

The sequence matters: referral first, consultation second. We schedule around it.

3.
An invoice that is not itemised

The HSE needs to see exactly what was provided. Our invoices are itemised line by line as standard.

4.
Missing receipts or documents

One missing page stalls a claim for weeks. You leave the hospital with a complete, claim-ready file.

Reimbursement

What the HSE repays, and what it does not.

Under the EU Cross-Border Directive, patients pay Evexia directly on discharge and claim reimbursement from the HSE, against the equivalent Irish public-system rate.

What is reimbursed

  • Inpatient treatment and therapy
  • Nursing care and accommodation in the hospital
  • Medications and diagnostic tests during the stay
  • Outpatient consultations
  • What is not reimbursed

  • Flights and all travel costs
  • Family accommodation outside the hospital
  • Prescriptions taken home after discharge
  • Anything not part of the inpatient episode
  • How the figure is set

  • The HSE reimburses the lesser of the amount you paid or the cost of the same care in the Irish public system. Our goal is to always stay below the Irish rates, so that our patients are reimbursed in full.
  • Prior Notification (Step 3) tells you the figure in advance. This is why we recommend it.
  • The HSE aims to repay within 30 working days of receiving complete documents.
  • Who can use the directive.

  • Ordinarily resident in Ireland with entitlement to public healthcare. The directive exists for people who would otherwise be treated in the Irish public system.
  • A referral from the public system. A GP referral or a public consultant's referral. A private-only referral cannot support a claim. Handwritten signature required.
  • No medical card needed. Eligibility rests on public-healthcare entitlement, not on holding a medical card.
  • Private health insurance does not exclude you. You can hold private cover and still use the directive. Depending on your policy, insurance may even cover some items the HSE does not.
  • Financing

    Bridging the upfront cost until the HSE reimburses.

    The HSE reimburses after treatment, not before, and there may be a shortfall even then. Families handle this in different ways: savings, family support, and very often a credit union loan.

    01
    Talk to your credit union

    Irish credit unions offer personal loans for medical purposes. Terms and rates are a matter between you and them.

    02
    Pay the hospital on discharge

    The loan settles the invoice directly with Evexia Plus when treatment ends.

    03
    Repay when the HSE repays

    The reimbursement offsets the loan, and the remaining balance is repaid over the agreed term.

    Questions about the directive, answered straight.

    01. What if my referral is from a private consultant?

    A private-only referral cannot support an HSE claim. Ask your GP to refer you onward, or request a letter from a consultant who sees you as a public patient. The HSE checks the referral source on every claim.

    02. Do I need a medical card?

    No. The directive is open to Irish residents entitled to public healthcare, with or without a medical card.

    03. Can I use private health insurance alongside the directive?

    Yes. Private cover does not exclude you, and depending on your policy you may be able to claim items the HSE does not repay.

    04. Is this the same as the Treatment Abroad Scheme?

    No. The Treatment Abroad Scheme covers care not available in Ireland. The Cross-Border Directive covers care that is publicly available in Ireland but accessed in another EU or EEA country. Rehabilitation falls under the directive.

    05. What happens if the HSE rejects the claim?

    You can appeal, through the HSE's appeal process. In practice, rejections almost always trace to the mistakes above, which is exactly what our document review exists to prevent.

    06. How long does repayment really take?

    The HSE aims for 30 working days from receiving complete documents. Families should still plan their finances on a longer horizon, because incomplete files and busy periods stretch timelines. The financing section above exists for precisely this reason.

    07. Is Prior Notification required for an overnight hospital stay?

    Under current HSE guidance it is optional, including for inpatient care, but strongly recommended: it fixes your reimbursement figure before you travel. If guidance changes, this page will change with it, and our Irish team always confirms the current position with the National Contact Point during your first calls.

    Most families start with one phone call.

    Tell us about your family member. Our Irish team explains the EU Cross-Border Directive, confirms whether Evexia fits, and outlines next steps. No referral or paperwork needed for the first call.