Irish Life was established in 1939 and has offered health insurance since 2016, when it was formed from Aviva Health and Glo Health
Irish Life offers health insurance as well as pensions and investments and life and income protection.
Irish Life is the third largest health insurer in Ireland, with an estimated 21% of the market. The Irish Life company as a whole has 1.6 million customers, and Irish Life Health has in the region of 504,300 health insurance customers.
Table of Content
Irish Life member benefits
Irish Life offers several unique preventative benefits to its members such as contributions towards life coaching sessions, fitness wearables, sports club/gym membership/classes fees, and Allen Carr smoking cessation sessions on some of their plans.
Back Up is a member benefit for those with back or neck pain. Following a consultation with a chartered physiotherapist, members can avail of a personalized plan for their back or neck condition, including access to physiotherapist treatment.
Healthy Minds
Healthy Minds from Irish Life offers members a range of ways to mind their mental health, including 6 phone, online, or face to face counseling consultations per year. This is available on all Irish Life health insurance plans.
Irish Life offers female health consultations, video consultations with GPs who specialize in women’s health.
Irish Life also offers unlimited visits to 20 minor injury clinics nationwide, meaning that minor illnesses, injuries, and sports injuries can be treated locally and quickly, without necessitating a lengthy trip to A&E.
Irish Life digital services
Irish Life focusses on providing digital health services to its members with Digital Doctor offering unlimited GP consultations by phone or video. This is available on most Irish Life plans and is a generous benefit.
Many of the other Irish life member benefits also benefit from phone or online consultations with a range of health professionals so you can receive health and medical care at your convenience.
Overseas treatment
Irish Life offers up to €55,000 emergency overseas treatment, with companion repatriation or accompaniment benefit of €1,000, and patient repatriation benefit of €1,000,000.
Elective overseas treatment and surgery may be covered by some Irish Life plans, where an Irish consultant advises the treatment.
Irish Life Plans
Irish Life provides various health insurance plans, with plans distinguished by levels of cover and price.
Plans cover the range of hospital care, from semi-private care in a public hospital to care in a high-tech hospital. Private care in a high-tech hospital, specifically the Mater Private and Blackrock Clinic is not included in event the higher end Irish Life plans, so check what is included in your cover carefully.
First Cover
First Cover is a basic plan, with some cover for outpatient expenses and cover for private and semi- private care in a public hospital.
€41.92 a month for one adult <35, no inpatient excess.
First Cover also includes:
In-patient
Out-patient Radiology
Psychiatric cover
Maternity benefits
Benefit Access 300
Benefit Access 300 costs a little less than the national average of €1,470 per year, with hospital care at all levels and some outpatient cover. Certain cardiac and orthopaedic procedures require a copayment however.
€209.19 per month for 2 adults and 2 children, €300 inpatient excess, €2,000 copayment for certain cardiac and orthopaedic procedures in a private or high-tech hospital.
Benefit Access 300 also includes:
In-patient
Out-patient Radiology
Out-patient benefits
Maternity benefits
Female health benefits
Psychiatric Cover
Overseas
Optimise Gold
Optimise Gold offers a high level of hospital cover, as well as generous outpatient and day to day cover. It offers a high level of maternity benefits as well as partner support benefit and postnatal domestic and doula benefits.
€570.84 per month for one adult <35
In-patient
Out-patient benefits
Maternity benefits
Psychiatric Cover
Female health benefits
Out-patient Radiology
Contact us today.
Health insurance plans can be confusing as there is so much choice and so many options available.
We have qualified advisers to discuss your options with you and help to ensure that you do not make an expensive mistake.
If you are considering purchasing an Irish Life health insurance policy or are considering switching or upgrading your current health insurance policy, we can advise you.
