Plan Costs

Plan cost: €1199.90 per year

Cost per additional child: 

Child Cost
Child 1 Age 0-17: €282.50
Child 2 Age 0-17: €282.50
Child 3 Age 0-17: €282.50
Child 4 €29.20

Cost per additional young adult:

Age Cost
Age 18-20 €599.80
Age 21 €675.40
Age 22 €787.90
Age 23 €921.80
Age 24 €1060.80
Age 25 €1199.90

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
✅ Public Hospital Private Room and Day Case
✅ Private Hospital Semi-Private Room (65% cover except for 25% cover in the Hermitage and Galway Clinic)
✅ Private Hospital Private Room (65% of the semi-private rate except for 25% of the semi-private rate in the Hermitage and Galway Clinic)
✅ The Blackrock Clinic, the Mater Private and the Beacon Hospital, certain Special Procedures (35% cover)
✅ The Blackrock Clinic, the Mater Private and the Beacon Hospital procedures other than Cardiac and Special (25% semi-private)
✅ Day Case Private Hospitals (60% cover)
✅ Day Case The Blackrock Clinic, the Mater Private and the Beacon Hospital (60% cover)
✅ Convalescence (€30 x 14 days)
✅ Cancer Accommodation Support (€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

Overseas Cover

What’s covered:

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✅ Benefit Abroad For Surgical Procedures Not Available In Ireland (Covered – up to the amount for for the most similar surgical procedure to treat the same condition in Ireland)
✅ Hospital Bill (€100,000)
✅ Repatriation Expenses (€1,000,000)
✅ Companion Repatriation Expenses (€1,000)
✅ 24 Hour Telephone Assistance
✅ Expenses For Companion (€1,000)

What’s not covered: 

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❌ Benefit Abroad For Surgical Procedures Available In Ireland
❌ Gender Affirmation

Maternity Cover

What’s covered:

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✅ Hospital Costs Up To 3 Nights
✅ Home Births (€3,000)
✅ Delivery Consultant Fees (Covered up to agreed charges incurred on day of delivery for participating consultants)
✅ Outpatient Maternity Consultant Care (See pre/post natal care)
✅ Pre & Postnatal Care (€300)
✅ Other Maternity Benefits (Contributions for 4D scans; Access to GentleBirth app (Learn More))

What’s not covered: 

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❌ Postnatal Home Help
❌ Postnatal Home Nursing
❌ Child Home Nursing
❌ Child Healthcare Benefit
❌ Parent Accompanying Child
❌ Partner Benefit
❌ Breastfeeding Consultancy

Outpatient Benefits

What’s covered:

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✅ Individual Excess (€200 per member)
✅ Family Excess (€200 per member)
✅ Consultant Fees (€60 per visit; International Second Opinion Service)
✅ GP Visits (GP Visits €15 x 5 visits; Female Health Consultation – 50% cover x 4 consultations per year with our provider partner; Digital Doctor Service – unlimited; Nurse on call covered)
✅ Physiotherapist (“Back-Up” treatment programme of 8 sessions, twice a year. Once off fee of €50 to customer)
✅ Emergency Dental Care (€450)
✅ Home Nursing (Home Recovery Benefit – €80 x 10 days; Care connect (Learn More))
✅ A&E Charge (€60 x 3 visits (Applies to A&E in Public Hospitals Only); Minor Injury Clinic Cover, 50% cover up to €100 per visit (HSE))
✅ 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 (€50 x 5 visits)
✅ Employee Assistance Programme (Healthy Minds benefit – up to 6 counselling sessions via phone, chat, video or face to face (Learn More))
✅ Vaccinations (HPV Vaccine – 50% up to €200 per policy year)
✅ Outpatient Policy Limit (€4,000)

What’s not covered: 

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❌ 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, not subject to outpatient excess)
✅ Radiology Consultants’ Fees (50% as per schedule of benefits for professional fees)
✅ Radiology Test Fees (50% Covered)
✅ Health Screening (Health Screening at any centre €100 per year)

What’s not covered: 

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❌ Non-Approved Centres

Fertility Benefits

There are no fertility benefits included in this plan.