Plan Costs

Plan cost: €1196.30 per year

Cost per additional child: €239.40 per year

Cost per additional young adult:

Age Cost
Age 18-20 €598.00
Age 21 €673.60
Age 22 €785.90
Age 23 €918.90
Age 24 €1057.60
Age 25 €1196.30

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 (Covered subject to €150 excess; subject to €2,500 co-payment on certain orthopaedic procedures and €1,000 on certain cardiac procedures)
✅ Private Hospital Private Room (Semi-Private Rate subject to €150 excess; subject to €2,500 co-payment on certain orthopaedic procedures and €1,000 on certain cardiac procedures)
✅ The Blackrock Clinic, the Mater Private and the Beacon Hospital, certain Special Procedures (Covered in Beacon only; subject to €150 excess per claim; subject to €2,500 co-payment on certain orthopaedic procedures)
✅ The Blackrock Clinic, the Mater Private and the Beacon Hospital procedures other than Cardiac and Special (Semi-Private Rate (Beacon only); subject to €150 excess per claim)
✅ Day Case Private Hospitals (Covered subject to €100 excess per claim and €1,000 co-payment on certain cardiac procedures)
✅ Day Case The Blackrock Clinic, the Mater Private and the Beacon Hospital (Covered in Beacon only; subject to €100 excess per claim)
✅ Convalescence (€30 x 16 days)

What’s not covered: 

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❌ The Blackrock Clinic, the Mater Private and the Beacon Hospital, certain Cardiac Procedures
❌ Cancer Accommodation Support

Overseas Cover

What’s covered:

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✅ Hospital Bill (€100, 000)
✅ Repatriation Expenses (€1,000,000)
✅ 24 Hour Telephone Assistance

What’s not covered: 

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❌ Benefit Abroad For Surgical Procedures Available In Ireland
❌ Benefit Abroad For Surgical Procedures Not Available In Ireland
❌ Companion Repatriation Expenses
❌ Expenses For Companion
❌ Gender Affirmation

Maternity Cover

What’s covered:

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✅ Hospital Costs Up To 3 Nights
✅ Delivery Consultant Fees (Covered as per schedule of benefits for
professional fees)
✅ Outpatient Maternity Consultant Care (€200 – available as part of Fertility & Maternity Personalised Package)
✅ Child Home Nursing (Child Home Nursing €100 x 14 days (following inpatient stay of minimum 5 days) – available as part of Child Development
Personalised Package)
✅ Pre & Postnatal Care (GentleBirth app subscription (Learn More), Antenatal class €40 contribution, 3D/4D & Early Pregnancy Scans €40 contribution – available as part of Fertility & Maternity Personalised Package)
✅ Child Healthcare Benefit (Child Development Benefit €75 contribution for a developmental / neurodevelopmental assessment, Play Therapy 50% up to €30 x 5 visits, Child/Teen counselling 50% up to €30 x 5 visits, Parenting Course €30 contribution to 1 course – available as part of Child Development Personalised Package)
✅ Parent Accompanying Child (Parent Accompanying Child €40 x 14 days (not payable for the first 3 days) – available as part of the Child Development
personalised package)
✅ Other Maternity Benefits (Welcome Home Food Hamper and 30 minute phone consultation – available as part of Fertility & Maternity Personalised Package)

What’s not covered: 

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❌ Home Births
❌ Postnatal Home Help
❌ Postnatal Home Nursing
❌ Partner Benefit
❌ Breastfeeding Consultancy

Outpatient Benefits

What’s covered:

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✅ Individual Excess (€100)
✅ Consultant Fees (50% up to €100 per visit)
✅ GP Visits (Female Health Consultation – 50% cover x 4 consultations per year with our provider partner; Unlimited Digital Doctor visits; Nurse on call)
✅ Physiotherapist (Physiotherapist or Physical Therapist €25 contribution x 2 visits – available as part of Fitness Focus personalised package)
✅ Emergency Dental Care (Up to €250)
✅ Home Nursing (Home Recovery Benefit €80 x 10 days; Health in the Home – Covered; Care Connect – Covered (Learn More))
✅ A&E Charge (Out-patient A&E abroad 50% up to €1,000 – available as part of the Travel Focus personalised package)
✅ Dietician, Occupational Therapist, Chiropodist, Speech Therapist (Child Speech & Language Therapist 50% up to €30 x 5 visits – available as part of the Child Development Personalised Package; Healthy Meals Benefit €40 contribution with our provider partner – available as part of the Fitness Focus Personalised Package; Dietician or Nutritionist Consultation €40 contribution – available as part of the Fitness Focus Personalised Package and Mind & Body Personalised Package)
✅ Other Day To Day Practitioners (Dermatology Benefit – €50 contribution with our Provider Partner – available as part of the Mind & Body Personalised Package; Sports Club / Gym Membership / Classes €40 contribution, Fitness Wearables €40 contribution, Sports Massage or Personal Training Sessions €20 contribution – all available as part of the Fitness Focus Personalised Package)
✅ Cancer Support Benefit (Cover for Breast Prosthesis 50% up to €1,000; Cover for wig following cancer treatment 50% up to €1,000 (see Medical and Surgical Applicance List))
✅ Psycho-Oncology Counselling (€40 x  5 visits)
✅ Manual Lymph Drainage (€50 x 5 visits)
✅ Prescription Costs (Prescriptions Abroad €15 x 1 prescription – available on the Travel Focus personalised package)
✅ Employee Assistance Programme (Healthy Minds benefit – up to 6 counselling sessions via phone, chat, video or face to face (Learn More))
✅ Child Speech And Language Therapy (Child Speech And Language Therapy 50% up to €30 x 5 visits – available as part of the Child Development Personalised Package)
✅ Vaccinations (Travel Vaccination €50 contribution with our provider partner plus 10% point of sale discount, Travel Vaccine Consultation
€30 contribution with our provider partner – both available as part of the Travel Focus personalised package)
✅ Outpatient Policy Limit (€1,000)

What’s not covered: 

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❌ Non Emergency Dental
❌ Alternative Medicines-Acupuncture, Chiropractor, Osteopath
❌ Hearing Test
❌ Optical
❌ Hormone Replacement Therapy for Gender Dysphoria

Outpatient Radiology

What’s covered:

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✅ Approved Centres (MRI, CT and PET-CT – Covered)
✅ Non-Approved Centres (EXOGEN therapy – Covered with our provider partner)
✅ Radiology Consultants’ Fees (€25 per consultant fee)
✅ Radiology Test Fees (50% up to €40 per test)
✅ Health Screening (Health Screening and allergy testing up to €80 per policy year, At Home Health Testing Covered up to €50 per policy year with our provider partner – available as part of Mind and Body Personalised Package; Pathology Consultant Fees €25 per consultant fee; Pathology Test Fees 50% up to €40 per test; Oncotype DX covered; Genetic Testing: Initial consultation – 50% cover; Genetic Testing: Test for specifed genetic mutations Covered in approved clinics with our approved consultant; Genetic Testing for Cancer Treatment Options – Foundation One CDx- Covered; VO2 Max Testing €30 contribution with our provider partner – available as part of Fitness Focus Personalised Package)

What’s not covered: 

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❌ Non-Approved Centres (MRI, CT and PET-CT non approved centres – not covered, see Radiology Consultant fees and Radiology Test Fees for Out-patient Cover)

Fertility Benefits

What’s covered:

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✅ Infertility Benefit (Infertility benefit – Covered up to a max of €200 for IVF, IUI, ICSI, Twice per lifetime, AMH Fertility test €40 contribution, His & Hers Fertility Screening Tests €40 contribution – all available as part of Fertility & Maternity Personalised Package)

What’s not covered: 

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❌ Fertility Preservation
❌ Fertility Support Services