🇮🇪 Ireland - Local Benefits, Team Member Overview

Your local benefits packages provide you with benefits tailored to your country. 

Coverage highlights

Some of the coverage highlights include:

  • Full coverage for up to 180 days in public and private hospitals
  • Some refunds on out-of-pocket expenses
  • Full cover for outpatient scans
  • Free dental check-ups, x-rays, and scale and polish
  • Some refunds for major and minor dental treatment costs
  • Full refund on eye exams 
  • Some refunds on prescriptions and eyewear purchases
  • PRSA (pension)
  • Service by top Ireland providers

Your company will define the package applicable to you (it can be Competitive or Best-in-Class) and will define if they will cover your dependents or not.
The Best-in-Class package has more comprehensive coverage (higher limits and reduced out-of-pocket expenses) than the Competitive. For more details on the coverage of each package, you can check the links at the end of this page.

Regardless if the company has offered you one of the above packages, Oyster will provide you access to a Personal Retirement Savings Account (PRSA) to which you and the company might or might no contribute.

Benefits providers

Oyster works with top local insurance providers in Ireland who understand the market and offer reliable service.

  • Health Insurance: Irish Life
  • Dental & Vision: DeCare
  • Pension: Irish Life

Enrollment process

For Irish Life Health and DeCare:

  • You will receive an e-mail from our Broker (IHI) with the details of your coverage and a request for some information to complete your enrollment (and of your dependents, if applicable).
  • You will have one week to respond to this e-mail by sharing the required information or informing us that you want to opt out of the plan.
  • In the second week, you will receive an e-mail from the carriers (Irish Life and DeCare) confirming your enrollment.
  • If you opt-in, coverage will be effective from the first day of next month.

For Irish Life (PRSA)

  • You will receive an e-mail from Irish Life to initiate your enrollment
  • You will have one week to respond to this e-mail by sharing the required information (including how much you want to contribute) or informing us that you want to opt out of the pension.
  • If you opt-in to the pension, contributions will start in the month after your joining date.

FAQs

Health, Dental, and Vision

How can I view my insurance enrollment status?

You will receive an e-mail from the carriers (Irish Life and DeCare) on the second week of the month confirming your enrollment. If there is any issue with your process, our broker (IHI) will contact you.

When will my coverage be active?

In case you have opted-in to the benefits, coverage will be effective from the 1st day of the next month.

How do I log in to the insurance platform?

You must follow the steps on the guides linked at the end of this page for both Irish Life and DeCare.

Where can I find my policy details?

You can find them on the links at the end of this page.

How can I opt out?

At initial enrolment, you will receive an email from our broker (IHI) confirming that it contains the details of the benefits offered to you. If you wish to opt-out, you must reply to that email expressing your wish.

Please note. For the dental benefit, you have 14 days from the enrollment date to opt-out/cancel the benefit. Should the 14 days elapse, and the policy is still in force, you will be tied into the policy until the next renewal date or if you leave your employer offering the benefit.

Claims and reimbursement

How do I request reimbursement from Irish Life?

You can request reimbursement for an eligible expense through the Irish Life and DeCare apps.

Outpatient expenses

  • You must log in to your Member Online Account using the app.
  • Click on ‘CLAIMS’ in the top menu
  • Upload a photo of the receipt and fill in the required fields.
  • You should receive the corresponding payment in 5 working days if all the information is correct.

Inpatient expenses

  • The insurance company pays All eligible inpatient expenses directly to the hospital.

How do I request reimbursement from DeCare for dental expenses?

There are two ways of claiming dental expenses:

In-network care

You can choose to visit a dental practice that provides a direct payment service to DeCare, and the payment for your treatment will be made directly by DeCare as per your policy coverage.

You can find in-network practicians following the below process on the DeCare app:

  • Select Finder on the bottom navigation bar and select the View All button on the Dentist Practice tile.
  • Select Filter on the top right corner to filter by direct pay and county and apply the filter.
  • Select the dental practice from the list to view full details.

Out-of-network care:

In the app, follow the below process:

  • Select the member you are claiming for
  • Upload or take a photo of the receipt
  • Select your dentist from the list or add manually and select submit
  • You should receive the corresponding payment in 5 working days if all the information is correct.

How do I request reimbursement from DeCare for vision expenses?

All vision expenses should be claimed through the DeCare app. In-network expenses will have a larger percentage of the value covered if compared to the ones made out-of-network.

You can find in-network practicians following the below process on the DeCare app:

  • Select Finder on the bottom navigation bar and select the View All button on the Vision Practice tile
  • Select Filter in the top right corner to filter by county and apply the filter.
  • Select the Vision Practice from the list to view full details.

In-network and out-of-network expenses:

In the app, follow the below process:

  • Select the member you are claiming for
  • Upload or take a photo of the receipt
  • Select your dentist from the list or add manually and select submit
  • You should receive the corresponding payment in 5 working days if all the information is correct.

Pension

How can I view my PRSA enrollment status?

After you complete the Enrollment Form submission, you will receive in up to 15 days a mail from Irish Life with your account details and a guide to log into the Irish Life PRSA platform.

When will my pension deduction/employer contribution start?

After you finalize the enrollment process, it might take up to two payroll cycles (around 30 days) to deposit the deductions/contributions in your PRSA account.

Is there any maximum/minimum limit for the Employee/Employer contribution?

There are no minimum or maximum contributions for the employee and the employer. Your company will define if there will be any employer contributions towards your PRSA and in which conditions.

Are the contributions deducted from commissions, bonuses, or other additional payments?

No. The percentages defined by Team members and Customers are only deducted from the base salary. However, additional contributions can be made through lump sum deposits. You can contact Oyster Support for more details on how to do it.

Can I transfer funds from other PRSA to Oyster's?

Yes. But you must contact our previous fund management company and Irish Life to process this transfer.

How do I log in to my account?

You can log in using the Irish Life website (www.irishlife.ie) and log into My Online Services. You will need a Personal Identification Number (PIN), which you receive when you start your plan.

Where can I find my plan details?

You can find your plan details on the Irish Life platform by log-in to My Online Services.

When Can I Enroll?

You can enroll at the PRSA at any point in time. Please note that contributions from yourself and the company, if applicable, will only be made to your PRSA account after completing enrollment.

How can I opt out?

If you fail to submit details at the time of your enrollment at the PRSA, we will consider that you have opted out of this benefit.

Taxation

Are there any taxes applicable to my Benefits?

Yes. Benefits in kind taxes apply to all premiums paid by the employer and are born only by you. But you can claim tax relief through revenue at the end of the year (up to € 200).

Also, Individuals over 34 years old might have additional fees on their premiums (Lifetime Community Rating, or "LCR") if they were not previously insured. Those costs will be borne by you as well.

For pensions, no taxes apply to employee or employer contributions.

Dependents

How do I add a dependent? Can I add them at any time?

If, in your plan, dependents' costs are covered by the company, you must reach out to our broker (IHI) through the below e-mails:

You can add dependents at any time, but the coverage start is not immediate as the coverage for new plan members is only effective from the first day of each month. Please note that adding dependents to your plan may impact the cost for your employer, as additional coverage is required. If your personal situation changes and you need to add a spouse or a newborn child, please contact us using (this link) to provide the necessary information. We appreciate your collaboration in this process, as it helps ensure the best possible experience for all involved parties. Thank you.

If your plan only covers your premium costs, you can add dependents at your own expense. To do that, you must reach out to Irish Life (# 01-5625399) and DeCare (# 094-9378608) after you receive your policy number (which will be on the week after the enrollment period).

Which dependents can I add to my plan?

You can add your spouse/partner and children up to 20 years old as dependents.

Emergencies

What are my emergency contacts? What should I do in such cases?

In medical emergencies, the best approach is to call 112 or go to the nearest hospital. Inpatient care expenses are paid directly by the insurer to the hospital. You must only inform your policy number to get fully covered medical attention.

Is there a benefits card?

No. However, you will receive your policy numbers through e-mail (from Irish Life and DeCare). With that information, you will have access to all the coverage applicable to your plan.

Support

When do I contact Oyster Support or the Benefit Vendor directly?

In case of questions related to your insurance, you must connect with our broker (IHI) through the below e-mails:

For pension, you must contact Irish Life through customerservice@irishlife.ie or 01 704 1010.

If they fail to respond in time (1 working day) or you believe the response was unsatisfactory, reach out to Oyster Support.

Downloadable Brochures

System navigation and claims

Coverage details 

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