Plan Costs

Plan cost: €1195.10 per year

Cost per additional child: €280.80 per year

Cost per additional young adult:

Age Cost
Age 18-20 €597.40
Age 21 €617.10
Age 22 €729.30
Age 23 €848.90
Age 24 €987.40
Age 25 €1125.90

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 (Covered in select public hospitals. Please contact your insurer for details)
✅ Public Hospital Private Room and Day Case (Covered at semi-private rate in select public hospitals. Please contact your insurer for details)
✅ Private Hospital Semi-Private Room (Covered in selected private hospitals with €500 excess per claim and €2,000 co-payment on listed orthopaedic
procedures)
✅ Private Hospital Private Room (Covered in selected private hospitals at semi-private rate with €500 excess per claim and €2,000 co-payment on listed
orthopaedic procedures)
✅ The Blackrock Clinic, the Mater Private and the Beacon Hospital, certain Special Procedures (90% in Beacon Hospital and Mater Private; €2,000 co-payment on listed orthopaedic procedures. Blackrock Clinic not
covered)
✅ Day Case Private Hospitals (Covered in selected private hospitals with €50 excess per claim)
✅ Day Case The Blackrock Clinic, the Mater Private and the Beacon Hospital (Covered with €50 excess per claim, excluding cardiac procedures in Beacon Hospital and Mater Private. Blackrock Clinic not covered)
✅ Convalescence (€26 x 14 days)
✅ Cancer Accommodation  (€100 X 15 days)

What’s not covered: 

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❌ The Blackrock Clinic, the Mater Private and the Beacon Hospital, certain Cardiac Procedures
❌ The Blackrock Clinic, the Mater Private and the Beacon Hospital procedures other than Cardiac and Special

Overseas Cover

What’s covered:

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✅ Benefit Abroad For Surgical Procedures Available In Ireland
✅ Benefit Abroad For Surgical Procedures Not Available In Ireland
✅ Hospital Bill (€100,000)
✅ Repatriation Expenses (€1,000,000)
✅ 24 Hour Telephone Assistance
✅ Expenses For Companion (€1,000)
✅ Gender Affirmation (Covered up to €100,000 per lifetime)

What’s not covered: 

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❌ Companion Repatriation Expenses

Maternity Cover

What’s covered:

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✅ Hospital Costs Up To 3 Nights
✅ Delivery Consultant Fees (As per schedule of benefits for professional fees)

What’s not covered: 

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❌ Home Births
❌ Outpatient Maternity Consultant Care
❌ Postnatal Home Help
❌ Postnatal Home Nursing
❌ Child Home Nursing
❌ Pre & Postnatal Care
❌ Child Healthcare Benefit
❌ Parent Accompanying Child
❌ Partner Benefit
❌ Breastfeeding Consultancy
❌ Other Maternity Benefits

Outpatient Benefits

What’s covered:

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✅ Individual Excess (€125)
✅ Family Excess (€125 per person)
✅ Consultant Fees (€60 per visit; International Second Opinion Service)
✅ GP Visits (GP Visits €20 per visit subject to excess; Female Health Consultation – 50% cover x 4 consultations per year with our provider partner; Vasectomy cover (GP and Consultant only) up to €360 – available as part of the Women & Men’s Health personalized package; Digital Doctor Service – unlimited; Nurse on call covered)
✅ Physiotherapist (“Back-Up” physiotherapy treatment of 8 sessions, twice a year, with once-off €50 fee, no excess)
✅ Home Nursing (Health In The Home covered, immediately following an inpatient stay; Care connect (Learn More))
✅ A&E Charge (€60 per year (public A&E only); Minor Injury Clinic Cover, 70% cover up to €200 per visit (HSE), no excess)
✅ Cancer Support Benefit (Cover for Breast Prosthesis 50% up to €1,000; Cover for wig following cancer treatment 50% up to €1,000)
✅ Manual Lymph Drainage (Up to €300)
✅ Employee Assistance Programme (Healthy Minds benefit – up to 6 counselling sessions via phone, chat, video or face to face)
✅ Vaccinations (Flu vaccination – Covered up to €25 per policy year; also available as part of the Family and Kids Health, Women’s and Men’s Health, Family Protection personalised packages. HPV Vaccine – 50% up to €200 per policy year)
✅ Outpatient Policy Limit (€4,000)

What’s not covered: 

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❌ Emergency Dental Care
❌ Non Emergency Dental
❌ Alternative Medicines-Acupuncture, Chiropractor, Osteopath
❌ Dietician, Occupational Therapist, Chiropodist, Speech Therapist
❌ Other Day To Day Practitioners
❌ Psycho-Oncology Counselling
❌ Hearing Test
❌ Optical
❌ Prescription Costs
❌ Child Speech And Language Therapy
❌ Hormone Replacement Therapy for Gender Dysphoria

Outpatient Radiology

What’s covered:

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✅ Approved Centres (MRI, CT and PET-CT covered)
✅ Radiology Consultants’ Fees (50% per consultant fee)
✅ Radiology Test Fees (50% per test)
✅ Health Screening (Health Screen €50 per policy year, VO2 Max Testing €10 POS discount plus €20 contribution, Metabolic Testing covered with our provider partner, SADS screening €50 per policy year – available as part of Sports Cover Personalised Package; Prostate check/screen – €40 contribution, Testicular check/screen – €40 contribution, Smear testing – €40 contribution, Mammogram €40 contribution, Sexual Health Screening – Simple 2 Test €35 contribution with our provider partner, Standard 6 Test €40 contribution with our provider partner, HPV €50 contribution with our provider partner – available as part of the Women’s and Men’s Health personalised package; Pathology Consultant Fees 50% per consultant fee, Pathology Test Fees 50% cover subject to excess; Oncotype DX covered; Genetic Testing: Initial consultation 50% cover; Test for specified genetic mutations Covered in approved clinics with our approved consultant; Genetic Testing for Cancer Treatment Options – Foundation One CDx Covered)

What’s not covered: 

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❌ Non-Approved Centres

Fertility Benefits

There are no fertility benefits included in this plan.