Plan Costs

Plan cost: €983.69 per year

Cost per additional child: €243.20 per year

Cost per additional young adult: €983.69 per year

Hospital Cover (In-patient benefits)

What’s covered: 

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✅ A Multi-Occupancy or Semi-Private room in a Public Hospital and Day Case (Semi-private: Full cover; Day-case/Out-patient surgical: Full cover)
✅ Public Hospital Private Room and Day Case (Private: A shortfall will apply per night for private accommodation; Day-case/Out-patient surgical: Full cover)
✅ Private Hospital Semi-Private Room (Private hospital excess: €125 excess for day-case & out-patient surgical & €400 excess for semi-private or private; Semi-private: Full cover, including Beacon Hospital; Specifed Orthopaedic & Ophthalmic Procedures: 20% shortfall)
✅ Private Hospital Private Room (Private hospital excess: €125 excess for day-case & out-patient surgical & €400 excess for semi-private or private; Private: €100 shortfall per night, including Beacon Hospital. Full cover in Mater Private Cork; Specifed Orthopaedic & Ophthalmic Procedures: 20% shortfall)
✅ The Blackrock Clinic, the Mater Private and the Beacon Hospital, certain Cardiac Procedures (Full cover in Beacon Hospital only. No cover in Blackrock Clinic & Mater Private Dublin)
✅ The Blackrock Clinic, the Mater Private and the Beacon Hospital, certain Special Procedures (Hi-tech hospital excess: €125 excess for day-case & out-patient surgical & €400 excess for semi-private or private; Day-case/Out-patient surgical: Full cover in Beacon Hospital only. No cover in Blackrock Clinic & Mater Private Dublin; Semi-private: Full cover in Beacon Hospital only. No cover in Blackrock Clinic & Mater Private Dublin; Private: €100 shortfall per night in the Beacon Hospital. No cover in the Blackrock Clinic or Mater Private Dublin; Specified Orthopaedic & Ophthalmic Procedures: 20% shortfall in Beacon Hospital. No cover in the Blackrock Clinic & Mater Private Dublin)
✅ The Blackrock Clinic, the Mater Private and the Beacon Hospital procedures other than Cardiac and Special (Hi-tech hospital excess: €125 excess for day-case & out-patient surgical & €400 excess for semi-private or private; Day-case/Out-patient surgical: Full cover in Beacon Hospital only. No cover in Blackrock Clinic & Mater Private Dublin; Semi-private: Full cover in Beacon Hospital only. No cover in Blackrock Clinic & Mater Private Dublin; Private: €100 shortfall per night in the Beacon Hospital. No cover in the Blackrock Clinic or Mater Private Dublin; Specified Orthopaedic & Ophthalmic Procedures: 20% shortfall in Beacon Hospital. No cover in the Blackrock Clinic & Mater Private Dublin)
✅ Day Case Private Hospitals (Private hospital excess: €125 excess for day-case & out-patient surgical & €400 excess for semi-private or private; Day-case/Out-patient surgical: Full cover, including Beacon Hospital)
✅ Day Case The Blackrock Clinic, the Mater Private and the Beacon Hospital (Full cover in Beacon Hospital only. No cover in Blackrock Clinic & Mater Private Dublin, €125 excess for day-case & out-patient surgical & €400 excess for semi-private or private)
✅ Convalescence (Up to €30 per day for 14 days)
✅ Cancer Accommodation Support (Up to €100 per night. No limit)

Overseas Cover

What’s covered:

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✅ Benefit Abroad For Surgical Procedures Available In Ireland (Full cover for treatment in another country within the EU or UK, up to the amount payable in Ireland – subject to prior approval)
✅ Benefit Abroad For Surgical Procedures Not Available In Ireland (Full cover in the EU or UK- subject to prior approval)
✅ Hospital Bill (Up to €100,000 per episode of illness or injury)
✅ Repatriation Expenses (Up to €2 million towards the cost of medical evacuation. Up to €1,000 towards companion evacuation)
✅ Companion Repatriation Expenses (Up to €2 million towards the cost of medical evacuation. Up to €1,000 towards companion evacuation)
✅ 24 Hour Telephone Assistance (24 Hour GPLine and Nurseline cover from Ireland and abroad)
✅ Expenses For Companion (Up to €2 million towards the cost of medical evacuation. Up to €1,000 towards companion evacuation)

What’s not covered: 

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❌ Gender Affirmation

Maternity Cover

What’s covered:

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✅ Hospital Costs Up To 3 Nights (Full cover for 3 nights in a public hospital or up to €3,000 per year towards homebirth costs)
✅ Home Births (Full cover for 3 nights in a public hospital or up to €3,000 per year towards homebirth costs)
✅ Delivery Consultant Fees (Full cover for participating consultants)
✅ Outpatient Maternity Consultant Care (Full refund up to €300 per pregnancy)
✅ Postnatal Home Nursing (Up to €1,200 for 2 nights home nursing & up to €600 for 1 night home nursing)
✅ Child Home Nursing (Up to €50 per day for 28 days)
✅ Pre & Postnatal Care (Baby massage classes: Up to €100 per year; 3D/4D Scans: Up to €50 once per pregnancy not subject to out-patient excess; Antenatal classes/midwifery services: Up to €50 per pregnancy; Car parking expenses: Up to €20 for car parking expenses incurred at hospital admission for delivery; Maternity bra: Up to €40 per year; Maternity Yoga/Pilates: Up to €50 once per pregnancy not subject to out-patient excess; Midwife support service: Full cover for a phone consultation each trimester & one call within the first 3 months of your child’s birth (021 202 2824); New parents food allowance: Up to €50 per pregnancy; Paediatric First Aid Course: Unlimited access to online paediatric first aid course through member area & up to €20 towards the out-patient excess for face to face visit)
✅ Child Healthcare Benefit (Child counselling (subject to annual out-patient excess): Up to €30 per visit – 8 visits per year; Play therapy: Up to €30 per visit – 8 visits per year; Vaccinations (subject to annual out-patient excess): Full refund up to €50 per year)
✅ Parent Accompanying Child (Up to €100 per day for 14 days)
✅ Breastfeeding Consultancy (Up to €30 per visit – 2 visits per year)

What’s not covered: 

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❌ Postnatal Home Help
❌ Partner Benefit

Outpatient Benefits

What’s covered:

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✅ Individual Excess (€1 excess)
✅ Family Excess (€1 excess)
✅ Consultant Fees (Up to €40 per visit)
✅ GP Visits (GP Visits: Up to €25 per visit for 3 visits. 100% cover for 2 HSE GP out of hours visits ; GPLive (online consultations): Unlimited consultations; 24 Hour GPLine cover from Ireland and abroad)
✅ Physiotherapist (Up to €25 per visit – 3 visits per year)
✅ Non Emergency Dental (Up to €30 per visit – 2 visits per year)
✅ A&E Charge (Hospital casualty charge: Up to €20 per visit; QuickCare consultations & treatment: Up to €175 per visit in laya healthcare approved minor injuries & illness centres; Fracture Clinic: Up to €50 for a consultation & up to €50 for an x-ray in laya healthcare approved minor injuries & illness centres)
✅ Dietician, Occupational Therapist, Chiropodist, Speech Therapist (Occupational therapy: Up to €25 per visit – 3 visits per year; Speech & language therapy: Up to €25 per visit – 3 visits per year)
✅ Cancer Support Benefit (Breast prosthesis or hairpiece (following cancer treatment): Full cover for both; Sleeping caps: Full refund for 1 sleeping cap per membership year; Eyebrow tattooing (following cancer treatment): Full refund up to €150 once per membership year)
✅ Psycho-Oncology Counselling (Adult Counselling-Counsellors and Therapists: Up to €25 per visit – 3 visits per year; Adult Counselling-Psychologists : Up to €25 per visit – 3 visits per year)
✅ Manual Lymph Drainage (Full refund up to €500 per year)
✅ Optical (Up to €55 per year)
✅ Employee Assistance Programme (24/7 Telephone Counselling: Full cover; Face to face/Video/Phone Counselling: Full cover for 6 visits per presenting issue)
✅ Child Speech And Language Therapy (Up to €25 per visit – 3 visits per year)
✅ Vaccinations (Full refund up to €50 per year(subject to annual out-patient excess))
✅ Outpatient Policy Limit (€6,500)

What’s not covered: 

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❌ Emergency Dental Care
❌ Home Nursing
❌ Alternative Medicines-Acupuncture, Chiropractor, Osteopath
❌ Other Day To Day Practitioners
❌ Hearing Test
❌ Prescription Costs
❌ Hormone Replacement Therapy for Gender Dysphoria

Outpatient Radiology

What’s covered:

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✅ Approved Centres (Direct payment MRI, CT & PET scans: Full cover in laya healthcare approved centres ; Direct payment bone density/dexa scan: Full cover in approved direct payment density/dexa scan centres; Direct payment mammogram: Full cover in approved direct payment mammogram centres)
✅ Radiology Consultants’ Fees (Up to €25 per scan in laya healthcare approved hospitals or out-patient centres)
✅ Radiology Test Fees (Full refund up to €500 per year in laya healthcare approved hospitals or out-patient centres)
✅ Health Screening (HeartBeat cardiac screening: Full cover for 1 screen every 2 years for members over the age of 12 ; Women’s cancer screening (subject to annual out-patient excess): Up to €30 per year; Men’s cancer screening (subject to annual out-patient excess): Up to €20 per year)

What’s not covered: 

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❌ Non-Approved Centres

Fertility Benefits

What’s covered:

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✅ Infertility Benefit (First Steps fertility package: 50% up to €1,250 per year. Please refer to rules for the list of eligible fertility tests and treatments; Pre Implantation Genetic Testing: 50% up to €2,000 per lifetime)
✅ Fertility Preservation (€1,000 per lifetime for egg freezing, €1,000 per lifetime for embryo freezing, €150 per lifetime for sperm freezing, at approved centres)
✅ Fertility Support Services (Full cover for 5 visits per presenting issue ( 5 visits are separate from 24/7 mental wellbeing support programme -0818 1000 30)