If you are looking for General Information about the PDFORRA Medical Assistance Scheme please check out our FAQ's below.

The Cross Border Directive (CBD) allows for patients ordinarily resident in Ireland who require and are entitled to public healthcare services to be referred to another EU/EEA* member state for that care and be reimbursed in accordance with the legislation. It will be a matter for the patient and his/her referring doctor to identify the clinician abroad and satisfy him/herself in relation to the qualifications, quality and safety of the services being availed of in the other jurisdiction. Funding will only be reimbursed for healthcare that is publicly funded and available in Ireland and which is not contrary to Irish legislation. Reimbursement will be made in line with published reimbursement rates available from the National Contact Point (NCP). Reimbursement will only be made to the patient or his or her parents/guardian in the case of a child. A private outpatient appointment in the Republic of Ireland may not be used under any circumstances to exercise rights for the purposes of reimbursement under the provisions of the Cross Border Healthcare Directive. The attendance of a private appointment in Ireland deems the patient a private patient and not a public patient for the purpose of provisions the Cross Border Directive.

The PDFORRA Medical Assistance Scheme (PMAS) will facilitate members, who subscribe to the Scheme, to receive treatment under the terms of the EU Cross Border Healthcare Directive (CBD). PMAS will allow authorised members, who have been suitably referred, to receive a consultation in Kingsbridge Private Hospital in Belfast. If further treatment is required PMAS will secure finance for the member with ANSAC Credit Union. Once HSE permission is received the member will attend Kingsbridge to receive treatment and aftercare several weeks later. Kingsbridge will assist members in the application and reimbursement process to the HSE. PMAS will support members throughout the entire process.

To join PMAS, PDFORRA members must apply to join the scheme and subscribe €1.00 per week. The application form to join PMAS are available on this website, on the PDFORRA website, the PDFORRA Support website and via the members app. Members can also request an application form by contacting their District PDFORRA Committee or by contacting the National Office.

Any service which is provided by the public health services in Ireland can be availed of under the Cross Border Directive (CBD). PMAS has a limited budget and therefore have restricted the amount of finance available to members to a maximum of €15,000. This amount will be reviewed on an ongoing basis.

ANSAC Credit Union have agreed to provide finance for PMAS members to receive treatment under the terms of the CBD. ANSAC Credit Union will lend the PMAS member the appropriate amount for treatment and PMAS will go guarantor for the loan. After reimbursement from the HSE PMAS will pay the excess between the cost of the treatment and the amount of reimbursement received. PMAS will also pay any accrued interest on the loan.

You do not have to be a member of ANSAC Credit Union to join PMAS. However, if you require medical treatment you will need to open an ANSAC Credit Union account to receive the necessary funding.

Funding will only be guaranteed for treatment under the terms of the CBD for a maximum amount of €15,000. This amount will be reviewed on an ongoing basis.

PMAS will pay any excess that exists between the cost of treatment and the reimbursement received from the HSE. The €1.00 weekly subscription fee is all the member needs to pay.

PMAS will pay any accrued interest on the members loan. The €1.00 weekly subscription fee is all the member needs to pay.

Looking for more detailed information about the PDFORRA Medical Assistance Scheme please check out our FAQ's below.

PMAS have secured a finance arrangement with ANSAC Credit Union that will enable all PMAS members to receive access to funding for treatment under the terms of the EU Cross Border Healthcare Directive. This loan will be a ‘bridging’ type loan that will be independent from any other loan products that members already have.

PMAS will consider the following criteria to allow members access to treatment.

  • 1. The financial capacity of PMAS. PMAS has initial assets of €150,000 to secure funding for members requiring medical treatment.
  • 2. Medical Necessity.
  • 3. Contractual Obligations.
  • 4. PDFORRA Membership.
  • 5. PMAS Membership.

PMAS has secured the services of Kingsbridge Private Hospital in Belfast. Kingsbridge Private Hospital prides itself on delivering a five-star experience to each and every patient who crosses their door. Situated at the top of Belfast’s prestigious Lisburn Road, Kingsbridge Private Hospital is a three-storey hospital housing the highest levels of technological advancements in private healthcare.

PMAS have been in contact with the Director of the Medical Corps to highlight the benefits of having members treated under the EU Cross Border Directive. PMAS have been informed that all Medical Officers will be informed of this initiative and will refer members to Kingsbridge.

Under no circumstance will an outpatient appointment in a private capacity in Ireland be accepted for the purpose of accessing healthcare abroad under the Cross Border Directive. Public referral pathways as applicable in Ireland must be adhered to. Public consultant appointments can only be accepted. The attendance of a private appointment in Ireland deems the patient a private patient and not a public patient for the purpose of provisions the Cross Border Directive.

No, patients who have private health insurance can and do opt not to use it in favour of being treated as public patients here in Ireland. It is your status as a public patient which entitles you to opt for services under the terms of the CBD.

It is of course understood and accepted that any private patient can opt to avail of public patient status but only by following public referral pathways: private status cannot be used as a means of circumventing waiting lists for the purposes of prioritised access.

Please note, under no circumstance will an outpatient appointment in a private capacity in Ireland be accepted for the purpose of accessing healthcare abroad under the Cross Border Directive. Public referral pathways as applicable in Ireland must be adhered to. Public consultant appointments can only be accepted.

In an effort to protect patients the HSE introduced a system of prior authorisation in respect of inpatient care as allowed for under the Directive. This system of prior authorisation was introduced for the following reasons:

By completing the forms for prior authorisation, the patient will ensure he/she has followed public patient pathways and will be eligible for reimbursement.

By completing the forms the patient will be in possession of the cost of the treatment from the provider abroad and will have been provided with an indication of the anticipated procedure code and thus an indication of the relevant reimbursement rate. (Please be advised that at this stage the reimbursement rate is only indicative as the treatment identified at prior authorisation may not in due course be the actual treatment provided. A patient is only entitled to reimbursement for the treatment he/she actually receives.)

The patient/applicant may submit a fully completed application form accompanied by the appropriate referring letter in sufficient time to allow the HSE assess and make a decision on same. The onus is on the patient to submit a fully completed application form and to provide the necessary information from the referring clinician. Incomplete applications will be returned to the patient/applicant for provision of the appropriate information prior to re-submitting to the CBD office.

The Cross Border Directive office or National Contact Point is contactable by phone at 056 778 4546 or email at crossborderdirective@hse.ie. The postal address is National Contact Point, HSE Cross Border Directive, St Canice's Hospital, Dublin Road, Kilkenny.

A decision can be expected between 15 and 20 working days following the receipt of a completed application and any other information/clarification requested.

You may not self-refer. You must have a referral from a Medical Officer or a consultant appropriate to the type of care you are seeking to access. PMAS have been informed that all Medical Officers will be informed of this initiative and will refer members to appropriate consultants in Kingsbridge.

Please note, under no circumstance will an outpatient appointment in a private capacity in Ireland be accepted for the purpose of accessing healthcare abroad under the Cross Border Directive. Public referral pathways as applicable in Ireland must be adhered to. Public consultant appointments can only be accepted.

Requests for reimbursement will be made through the NCP office. The have introduced a pro-forma invoice so that patients will have a document which guides them through the required information in order to claim reimbursement. Kingsbridge Private Hospital will assist PMAS members with the reimbursement process.

Currently there is no provision for family members to access treatment through PMAS. Member’s families can still access treatment under the terms of the CBD but must secure their own funding to do so. PMAS has secured the services of Kingsbridge Private Hospital in Belfast to provide treatment under the terms of the CBD for member’s families that self-fund their treatment.

Currently there is no provision for Ex-PDFORRA members to access treatment through PMAS. Ex-PDFORRA members can still access treatment under the terms of the CBD but must secure their own funding to do so. PMAS has secured the services of Kingsbridge Private Hospital in Belfast to provide treatment under the terms of the CBD for Ex-PDFORRA that self-fund their treatment.

At this point in time, and while negotiations are ongoing between the UK and the EU, it is not possible to give a definitive answer to this question.

PMAS members can get further information by emailing mas@pdforra.ie