Female Health Consultation Benefit.

If you take out a health insurance plan with female consultation benefits, you can expect to avail from the following:

All insurers offer access to health information and support, with dedicated phonelines and access to nurse, physiotherapist and GP consultations, information, and advice.

Laya offers Healthcare Concierge to all its members which is a service offering health information on any health concern you have or diagnosis you may have received. Laya also offers Care on Call with 24/7 access to nurses, midwives, GPs, and physiotherapists.

Irish Life has a 24/7 nurse on call service and offers unlimited Digital Doctor consultations to their members. Irish Life offers a contribution towards 4 female health consultations per year on some plans to cover areas such as menstrual health, contraception, fertility, and menopause.

VHI offers a 24/7 nurse line service, as well as online consultations with GPs, physiotherapists, speech and language therapists, and dietitians, depending on the details of your plan.  VHI offers a midwife support service throughout your pregnancy for members.

Insurers offer various options for general health support and prevention, as well as screening where appropriate. Availability of these services depend on the details of your health insurance plan.

Irish Life offers access to virtual appointments with physiotherapists, speech and language therapists, and dietitians to support you to adopt a healthier lifestyle. Healthy Minds is a benefit from Irish Life which offers mental health support from trained counsellors 24/7 for their members.

Laya offers Healthcoach services for members to support them to adopt a healthier lifestyle with a personalised plan, as well as 24/7 mental wellbeing supports. Some Laya plans include cover for a mammogram and a contribution towards the cost of women’s cancer screening.

VHI 360 health centres offer Healthcheck in Dublin and Cork, which is a comprehensive health assessment including breast examination, where appropriate. VHIO also offers cover for a mammogram, or triple breast assessment where necessary.

Where you may need fertility testing and treatment when trying for a baby, health insurance can offer financial support towards any tests and treatments that may be required.

Laya’s First Steps fertility cover offers a contribution towards fertility tests and treatments on a ‘per year’ basis, rather than ‘per lifetime’ basis. Cover for these benefits varies depending on your health insurance plan and levels of cover.

VHI offers benefits to their members for fertility testing and care including Fertility Packages 1 & 2, which contribute towards up to 2 cycles of IVI and IVF or ICSI.

Irish Life offers a contribution towards health screening, smear testing, fertility screening tests, and IUI, IVF, and ICSI, depending on the details of your health insurance plan.

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All maternity hospitals in Ireland are public hospitals, however, health insurance can cover private care in a public hospital where you will receive antenatal care from a consultant of your choice, as well as semi private or private accommodation in a public hospital, and the attendance of your consultant at the birth where possible.

Most health insurance plans will offer some cover if you choose to be treated and accommodated semi-privately or privately in hospital or if you choose a home birth. However all semi private and private care requires a financial contribution towards this cost, so check carefully what is and is not covered when considering your options.

Health insurers offer a range of benefits for expectant mothers, as well as a range of antenatal and postnatal support, depending on your level of cover.

Irish Life offers a wide range of support for expectant mothers and for the postpartum period as well. Some of the benefits include a year’s membership to the Gentle birth app, partial rebate of the costs of 3D or 4D antenatal scans, postnatal midwife, night nurse, or doula support at home, as well as contributions for breastfeeding consultations.

VHI offers some similar support, as well as contributions towards the cost of early pregnancy scans and foetal screening. VHI’s Emotional Wellbeing Package offers counselling for antenatal and postnatal depressions, as well as support following a miscarriage. Post natal home nursing and contributions towards breastfeeding consultations are also available to new mothers.

Laya offers midwife support by phone on some plans. Foetal screening is covered on some Laya plans, as well as antenatal classes and maternity yoga or pilates. Partner benefits include a contribution towards hospital parking. Breastfeeding consultations are covered on some plans.

Perimenopause and menopause have become more openly talked about in the media in recent times, and health insurers offer specific services for women who are undergoing perimenopause and menopause to treat and manage their symptoms.

Irish Life offers a Female Health Consultation Benefit, which offers cover towards up to 4 consultations per year with GPs who specialise in female health including perimenopause and menopause.

VHI offers cover for VHI 360 women’s health clinic consultations where you can be seen by a multi-disciplinary women’s healthcare team, including a GP specialist in female health and menopause as well as a nurse, physiotherapist, healthcoach, and psychologist.

Laya offers a Menopause Support Package of up to €300 per year towards menopause healthcare with some of their plans. Laya offers a contribution towards the cost of IUD consultations and insertion.

Most of the health insurance plans that include female health benefits are those with generous everyday expenses cover. The plans that include specific women’s health benefits do so at different levels, depending on the plan you choose.

When choosing health insurance, it is essential to first consider which benefits are most important to you.

Depending on your priorities or stage of life, you may choose health insurance that offers generous fertility or maternity benefits or cover or, if your family is complete or this is not a priority for you, you may choose a plan with good cover for day-to-day or outpatient expenses which includes cover for female health.

If you wish to choose health insurance with female health benefits, it is essential to shop around and check what level of cover is offered. Some insurance plans offer a contribution towards female health expenses that is quite low when you look at the cost of the treatments. If a plan has good outpatient or day-to-day cover, then this cover may apply to female health consultations that you require.

Finally, check the excess in any policy you are considering as, if the excess is high, you will have to pay this amount before you can avail of any cover on your health insurance policy.

If you are considering purchasing a health insurance policy with female health benefits, contact us today and we can discuss your options with you.

We can help and advise you to find health insurance cover that covers what you need most, at an affordable price.