Plan Costs

Plan cost: €1178.91 per year

Cost per additional child: €322.53  per year

Cost per additional young adult: €1178.91 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 & €300 excess for semi-private or private; Semi-private: Full cover in selected private hospitals; Specified Orthopaedic & Ophthalmic Procedures: No excess or shortfall applies for Specified orthopaedic procedures, normal excesses & shortfalls apply for ophthalmic procedures (Orthopaedic Hospital List (Click Here))
✅ Private Hospital Private Room (Private hospital excess: €125 excess for day-case & out-patient surgical & €300 excess for semi-private or private; Private: €300 shortfall per night. Full cover in the Mater Private Cork; Specified Orthopaedic & Ophthalmic Procedures: No excess or shortfall applies for Specified orthopaedic procedures, normal excesses & shortfalls apply for ophthalmic procedures (Orthopaedic Hospital List (Click Here))
✅ The Blackrock Clinic, the Mater Private and the Beacon Hospital, certain Special Procedures (Hi-tech hospital excess: Not applicable; Specified Orthopaedic & Ophthalmic Procedures: No excess or shortfall applies
for Specified orthopaedic procedures, no cover in Hi-tech for ophthalmic procedures (Orthopaedic Hospital List (Click Here))
✅ The Blackrock Clinic, the Mater Private and the Beacon Hospital procedures other than Cardiac and Special (Hi-tech hospital excess: Not applicable; Specifed Orthopaedic & Ophthalmic Procedures: No excess or shortfall applies for Specified orthopaedic procedures, no cover in Hi-tech for ophthalmic procedures)
✅ Day Case Private Hospitals (Private hospital excess: €125 excess for day-case & out-patient surgical & €300 excess for semi-private or private; Day-case/Out-patient surgical: Full cover in selected private hospitals)
✅ Convalescence (Up to €40 per day for 14 days)
✅ Cancer Accommodation Support (Up to €100 per night. No limit)

What’s not covered: 

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❌ The Blackrock Clinic, the Mater Private and the Beacon Hospital, certain Cardiac Procedures
❌ Day Case The Blackrock Clinic, the Mater Private and the Beacon Hospital

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 €70,000 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)
✅ 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 €40 per day for 28 days)

What’s not covered: 

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❌ Outpatient Maternity Consultant Care
❌ Postnatal Home Help
❌ 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 (€150 excess)
✅ Family Excess (€450 excess)
✅ Consultant Fees (Up to €40 per visit)
✅ GP Visits (GP Visits: Up to €20 per visit; GPLive (online consultations): Unlimited consultations; 24 Hour GPLine cover from Ireland and abroad)
✅ A&E Charge (Hospital casualty charge: Up to €20 per visit; QuickCare consultations & treatment: Up to €100 per visit in laya healthcare approved minor injuries & illness centres; Fracture Clinic: Up to €40 for a consultation & up to €50 for an x-ray in laya healthcare approved minor injuries & illness centres)
✅ 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)
✅ Manual Lymph Drainage (Full refund up to €500 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)
✅ Outpatient Policy Limit (€6,500)

What’s not covered: 

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❌ Physiotherapist
❌ Emergency Dental Care
❌ Non Emergency Dental
❌ Home Nursing
❌ 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
❌ Vaccinations
❌ 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

There are no fertility benefits included in this plan.