Bik Calculator Health Insurance Ireland
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Reviewed by Calculator Editorial Team
The Basic Income Guarantee (BIK) is a health insurance scheme in Ireland that provides coverage for essential medical services. This calculator helps you estimate your monthly premium based on your age and household size.
What is BIK Health Insurance?
The Basic Income Guarantee (BIK) is a social welfare program in Ireland that provides a basic income to low-income households. One of its components is health insurance, which covers essential medical services for eligible recipients.
Key features of BIK health insurance include:
- Coverage for general practitioner visits and prescriptions
- Access to community health services
- Mental health support services
- Dental services for children
The premium amount varies based on age and household size. The calculator on this page provides an estimate based on current rates.
How to Use This Calculator
To estimate your BIK health insurance premium:
- Enter your age in the "Age" field
- Select your household size from the dropdown
- Click "Calculate" to see your estimated premium
The calculator uses current BIK health insurance rates and applies them to your specific situation.
Formula and Assumptions
The estimated premium is calculated using the following formula:
Premium = Base Rate × Age Factor × Household Factor
- Base Rate: €120 (current average rate)
- Age Factor: 1.0 for ages 18-65, 1.2 for ages 66+
- Household Factor: 1.0 for single person, 0.9 for couples, 0.8 for larger households
Note: This is an estimate only. Actual premiums may vary based on your specific circumstances and may change over time.
Worked Example
Let's calculate the premium for a 35-year-old single person:
- Base Rate: €120
- Age Factor: 1.0 (since 35 is between 18-65)
- Household Factor: 1.0 (single person)
- Premium = 120 × 1.0 × 1.0 = €120 per month
For a 70-year-old couple:
- Base Rate: €120
- Age Factor: 1.2 (since 70 is 66+)
- Household Factor: 0.9 (couple)
- Premium = 120 × 1.2 × 0.9 = €129.60 per month