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Hospital Cover

Covers all public, select private & high tech hospitals

Hospital Excess

Is the amount you have to pay first before you can make a claim

Day to day benefits

This includes expenses such as GP, dental and physio

Who are you covering?

Select the number of individuals you would like to get cover for.

Adults (Over 26)
Young adults (18-25)
Children (Under 18)
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  • Select Plan
  • Personal Details
  • Payment Details
  • Review
  • BeneFit Access 300
  • BeneFit 2
  • MyPlan 150

Select a plan

Below are the 3 lowest priced plans based on the level of cover you ve selected.*

  • One Month Free*

    BeneFit Access 300

    from
    € 100.93
    € 91.21
    a month for 1 adult
    Select plan

    Inpatient scans and consultant fees

    • Consultant fees Covered
    • Inpatient Scans Covered

    Public Hospitals

      • Day Case Covered
      • Private Room Covered
      • Semi Private Room Covered

    Private Hospitals

    • Day Case: Covered subject to €100 excess per claim subject to €2,000 co-payment on certain cardiac procedures
    • Private Room: Semi-Private Rate subject to €300 excess per claim and €2,000 co-payment on certain cardiac & orthopaedic procedures
    • Semi Private Room: Covered subject to €300 excess; subject to a €2,000 co-payment on certain cardiac & orthopaedic procedures

    High Tech Hospitals

    • Day Case: Covered (Beacon Only) subject to €100 excess per claim subject to €2,000 co-payment on certain cardiac procedures
    • Listed Cardiac Procedures: Covered (Beacon Only) subject to €300 excess per claim subject to €2,000 co-payment on certain cardiac procedures
    • Listed Special Procedures: Covered (Beacon Only) subject to €300 excess per claim subject to €2,000 co-payment on certain cardiac & orthopaedic procedures
    • Private Room: Semi-Private Rate (Beacon Only) subject to €300 excess per claim subject to €2,000 co-payment on certain cardiac & orthopaedic procedures
    • Semi Private Room: Covered (Beacon Only) subject to €300 excess per claim subject to €2,000 co-payment on certain cardiac & orthopaedic procedures
    The excess is the amount you pay to the hospital if you make a hospital claim.
    Download hospital list
    • Consultants
    • MRI Scans
    • Dental
    • GP Visits
    • CT Scans
    • Physiotherapist
    • Optical
    • Nutritionist
    • Massage

    Subject to excess

    • Cardiac Screening 50% Cover
    • Consultant fees €60 per visit, subject to outpatient excess
    • Convalescence benefits €30 x 16 days
    • Dietician or Nutritionist Consultation €25 contribution
    • Digital Doctor Unlimited. See irishlifehealth.ie for further information.
    • Emergency Dental Care €250, subject to outpatient excess
    • Female Fertility Assessment and Consultation Covered with our preferred provider, once per policy year subject to a €60 co-payment
    • Female Health Consultation 50% cover x 4 consultations per year with our provider partner
    • Fitness Wearables €25 contribution
    • Home Recovery Benefit €80 x 10 days, subject to outpatient excess
    • HPV Vaccine 50% up to €200 per policy year
    • Life Coaching Session €25 contribution
    • Manual Lymph Drainage €50 x 5 visits, subject to outpatient excess
    • Medical and surgical appliances As per specified list, subject to outpatient excess
    • Minor Injury Clinic Cover 70% up to €200 per visit
    • Minor Injury Clinic Cover (Pay & Claim) 70% up to €200 per visit
    • Nurse on call Covered
    • Pathology: Consultant fees €25 per consultant fee, subject to outpatient excess
    • Pathology: Cost of test €20 per test, subject to outpatient excess
    • Psycho-oncology Counselling €40 x 5 visits, subject to outpatient excess
    • Public A&E Cover €60 x 3 visits, subject to outpatient excess
    • Radiology: Consultant fees €25 per consultant fee, subject to outpatient excess
    • Radiology: Cost of test €20 per test, subject to outpatient excess
    • Sports Club / Gym Membership / Classes €25 contribution
    • Sports Massage €25 contribution

    Scan Cover

    • CT Scan: approved centre Covered
    • MRI Scan: approved centre Covered
    • PET-CT Scan: approved centre Covered

    Scans & X-Rays pack

    There are no Scans and X-Rays benefits available.

    Emergency Access pack

    There are no Emergency Access benefits available.
    • Allen Carr Smoking Cessation
    • Back Up
    • Health Screening
    • International Second Opinion Service
    • Laser Eye Surgery
    • Care Connect Covered (refer to membership handbook)
    • Child Home Nursing €100 x 14 days (following an inpatient stay of minimum 5 days)
    • EXOGEN therapy Covered with our provider partner
    • Gender Affirmation Benefit 50% up to €10,000 per lifetime
    • Genetic Testing for Cancer Treatment Options - Foundation One CDx Covered
    • Genetic Testing: Initial consultation 50% cover
    • Genetic Testing: Test for specified genetic mutations Covered in approved clinics with our approved consultant
    • Health in the Home Covered with our provider partner
    • Healthy Minds Online access to mental health assessments and content and up to 6 counselling sessions via phone, chat, video or face to face
    • Medicall ambulance costs Covered (refer to Membership Handbook)
    • Oncotype DX Covered
    • Parent accompanying child €40 x 14 days (not payable for the first 3 days)
    • GentleBirth App See handbook for details
    • Inpatient maternity consultant fees Covered up to €296
    • Public hospital cover for maternity Covered up to €385

    There are no Personalised Packages available.

    • Not related to substance abuse 100 days (up to the level of Hospital Cover provided under your plan)
    • Related to substance abuse 91 days per 5 years (up to the level of Hospital Cover provided under your plan)
    • 24 hour telephone assistance Covered
    • Companion repatriation expenses Covered up to €1,000
    • Expenses for companion who remains with you Covered up to €1,000
    • Hospital bill for inpatient treatment Covered up to €55,000
    • Repatriation expenses Covered up to €1 million
    Download Table of Cover
  • One Month Free*

    BeneFit 2

    from
    € 101.19
    € 91.44
    a month for 1 adult
    Select plan

    Inpatient scans and consultant fees

    • Consultants fees (In selected hospitals only) Covered
    • Inpatient Scans (In selected hospitals only) Covered

    Public Hospitals

      • Day Case Covered
      • Private Room Covered
      • Semi Private Room Covered

    Private Hospitals

    • Day Case: Covered subject to €150 excess per claim subject to €2,000 co-payment on certain cardiac procedures
    • Private Room: Semi-Private Rate subject to €300 excess (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopaedic procedures
    • Semi Private Room: Covered subject to €300 excess (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopaedic procedures

    High Tech Hospitals

    • Day Case: Covered subject to €150 excess per claim subject to €2,000 co-payment on certain cardiac procedures
    • Listed Cardiac Procedures: Covered subject to €300 excess (first two claims per policy) subject to €2,000 co-payment on certain cardiac procedures
    • Listed Special Procedures: Covered subject to €300 excess (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopaedic procedures
    • Private Room: Semi-Private Rate subject to €300 excess (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopaedic procedures
    • Semi Private Room: Covered subject to €300 excess (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopaedic procedures
    The excess is the amount you pay to the hospital if you make a hospital claim.
    Download hospital list
    • Consultants
    • MRI Scans
    • Dental
    • GP Visits
    • CT Scans
    • Physiotherapist
    • Optical
    • Nutritionist
    • Massage

    Subject to excess

    • Cardiac Screening 50% Cover
    • Consultant fees €60 per visit, subject to outpatient excess
    • Convalescence benefits €30 x 16 days
    • Dietician or Nutritionist Consultation €40 contribution
    • Digital Doctor Unlimited. See irishlifehealth.ie for further information.
    • Emergency Dental Care €250, subject to outpatient excess
    • Female Fertility Assessment and Consultation Covered with our preferred provider, once per policy year subject to a €60 co-payment
    • Female Health Consultation 50% cover x 4 consultations per year with our provider partner
    • Fitness Wearables €40 contribution
    • Home Recovery Benefit €80 x 10 days, subject to outpatient excess
    • HPV Vaccine 50% up to €200 per policy year
    • Life Coaching Session €40 contribution
    • Manual Lymph Drainage €50 x 5 visits, subject to outpatient excess
    • Medical and surgical appliances As per specified list, subject to outpatient excess
    • Minor Injury Clinic Cover 70% up to €200 per visit
    • Minor Injury Clinic Cover (Pay & Claim) 70% up to €200 per visit
    • Nurse on call Covered
    • Pathology: Consultant fees €25 per consultant fee, subject to outpatient excess
    • Pathology: Cost of test €20 per test, subject to outpatient excess
    • Psycho-oncology Counselling €40 x 5 visits, subject to outpatient excess
    • Public A&E Cover €60 x 3 visits, subject to outpatient excess
    • Radiology: Consultant fees €25 per consultant fee, subject to outpatient excess
    • Radiology: Cost of test €20 per test, subject to outpatient excess
    • Sports Club / Gym Membership / Classes €40 contribution
    • Sports Massage €40 contribution

    Scan Cover

    • CT Scan: approved centre Covered
    • MRI Scan: approved centre Covered
    • PET-CT Scan: approved centre Covered

    Scans & X-Rays pack

    There are no Scans and X-Rays benefits available.

    Emergency Access pack

    There are no Emergency Access benefits available.
    • Back Up
    • Health Screening
    • International Second Opinion Service
    • Laser Eye Surgery
    • Care Connect Covered (refer to membership handbook)
    • Child Home Nursing €100 x 14 days (following an inpatient stay of minimum 5 days)
    • EXOGEN therapy Covered with our provider partner
    • Gender Affirmation Benefit 50% up to €10,000 per lifetime
    • Genetic Testing for Cancer Treatment Options - Foundation One CDx Covered
    • Genetic Testing: Initial consultation 50% cover
    • Genetic Testing: Test for specified genetic mutations Covered in approved clinics with our approved consultant
    • Health in the Home Covered with our provider partner
    • Healthy Minds Online access to mental health assessments and content and up to 6 counselling sessions via phone, chat, video or face to face
    • Inpatient Support Benefit (for travel expenses when travelling more than 50km) €50 x 10 visits (subject to €1 excess)
    • Medicall ambulance costs Covered (refer to Membership Handbook)
    • Oncotype DX Covered
    • Parent accompanying child €40 x 14 days (not payable for the first 3 days)
    • GentleBirth App See handbook for details
    • Inpatient maternity consultant fees As per schedule of benefits for professional fees
    • Public hospital cover for maternity 3 nights accommodation

    There are no Personalised Packages available.

    • Not related to substance abuse 100 days (up to the level of Hospital Cover provided under your plan for your listed hospitals)
    • Related to substance abuse 91 days per 5 years (up to the level of Hospital Cover provided under your plan)
    • 24 hour telephone assistance Covered
    • Companion repatriation expenses Covered up to €1,000
    • Expenses for companion who remains with you Covered up to €1,000
    • Hospital bill for inpatient treatment Covered up to €55,000
    • Repatriation expenses Covered up to €1 million
    Download Table of Cover
  • One Month Free*

    MyPlan 150

    from
    € 107.32
    € 97.06
    a month for 1 adult
    Select plan

    Inpatient scans and consultant fees

    • Consultant fees Covered
    • Inpatient Scans Covered

    Public Hospitals

      • Day Case Covered
      • Private Room Covered
      • Semi Private Room Covered

    Private Hospitals

    • Day Case: Covered subject to €100 excess per claim and €1,000 co-payment on certain cardiac procedures
    • 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
    • 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

    High Tech Hospitals

    • Day Case: Covered in Beacon Only; Subject to €100 excess per claim
    • Listed Cardiac Procedures: Covered in Beacon only; subject to €150 excess per claim; subject to €2,500 co-payment on certain cardiac procedures
    • Listed Special Procedures: Covered in Beacon only; subject to €150 excess per claim; subject to €2,500 co-payment on certain orthopaedic procedures
    • Private Room: Semi-Private Rate (Beacon only); subject to €150 excess per claim and €2,500 co-payment on certain cardiac & orthopaedic procedures
    • Semi Private Room: Covered in Beacon only; subject to €150 excess per claim and €2,500 co-payment on certain cardiac & orthopaedic procedures
    The excess is the amount you pay to the hospital if you make a hospital claim.
    Download hospital list
    • Consultants
    • MRI Scans
    • Dental
    • GP Visits
    • CT Scans
    • Physiotherapist
    • Optical
    • Nutritionist
    • Massage

    Subject to excess

    • Consultant fees 50% up to €100 per visit, subject to outpatient excess
    • Convalescence benefits €30 x 16 days
    • Digital Doctor Unlimited. See irishlifehealth.ie for further information.
    • Emergency Dental Care €250, subject to outpatient excess
    • Female Fertility Assessment and Consultation Covered with our preferred provider, once per policy year subject to a €60 co-payment
    • Female Health Consultation 50% cover x 4 consultations per year with our provider partner
    • Female Pelvic Health Physiotherapy Covered up to €150 for initial consultation, once per policy year
    • Home Recovery Benefit €80 x 10 days, subject to outpatient excess
    • Manual Lymph Drainage €50 x 5 visits, subject to outpatient excess
    • Medical and surgical appliances As per specified list, subject to outpatient excess
    • Minor Injury Clinic Cover 70% up to €200 per visit
    • Minor Injury Clinic Cover (Pay & Claim) 70% up to €200 per visit
    • Nurse on call Covered
    • Pathology: Consultant fees €25 per consultant fee, subject to outpatient excess
    • Pathology: Cost of test 50% up to €40 per test, subject to outpatient excess
    • Psycho-oncology Counselling €40 x 5 visits, subject to outpatient excess
    • Public A&E Cover €60 x 3 visits, subject to outpatient excess
    • Radiology: Consultant fees €25 per consultant fee, subject to outpatient excess
    • Radiology: Cost of test 50% up to €40 per test, subject to outpatient excess

    Scan Cover

    • CT Scan: approved centre Covered
    • MRI Scan: approved centre Covered
    • PET-CT Scan: approved centre Covered

    Scans & X-Rays pack

    There are no Scans and X-Rays benefits available.

    Emergency Access pack

    There are no Emergency Access benefits available.
    • Back Up
    • Health Screening
    • International Second Opinion Service
    • Laser Eye Surgery
    • Care Connect Covered (refer to membership handbook)
    • EXOGEN therapy Covered with our provider partner
    • Genetic Testing for Cancer Treatment Options - Foundation One CDx Covered
    • Genetic Testing: Initial consultation 50% cover
    • Genetic Testing: Test for specified genetic mutations Covered in approved clinics with our approved consultant
    • Health in the Home Covered with our provider partner
    • Healthy Minds Online access to mental health assessments and content and up to 6 counselling sessions via phone, chat, video or face to face
    • Medicall ambulance costs Covered (refer to Membership Handbook)
    • Oncotype DX Covered
    • Inpatient maternity consultant fees As per schedule of benefits for professional fees
    • Public hospital cover for maternity 3 nights accommodation

    During checkout you may choose any 2 personalised packages at no extra cost.

    • Child Development
      Get extra benefits for your children including money back for play therapy, parenting courses, counselling and child home nursing.
    • Fertility & Maternity
      Get enhanced cover for Maternity and Fertility benefits including fertility tests, maternity consultant fees, pregnancy scans and screening tests.
    • Fitness Focus
      Get money back on a range of benefits to help your overall fitness including physiotherapy, gym membership and healthy meals.
    • Mind & Body
      Get cover towards self-care benefits to help you look after your mind and body.
    • Travel Focus
      Cover for travel vaccines and a FREE annual multi-trip travel insurance policy. Terms & conditions apply.
    • Not related to substance abuse 100 days (up to the level of Hospital Cover provided under your plan)
    • Related to substance abuse 91 days per 5 years (up to the level of Hospital Cover provided under your plan)
    • 24 hour telephone assistance Covered
    • Hospital bill for inpatient treatment Covered up to €100,000
    • Repatriation expenses Covered up to €1 million
    Download Table of Cover
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Call us if you need advice or help finding the most suitable hospital or cash plan for you 01 562 5100

**The most popular ranked plans are based on online sales data from January to September 2024.

*An 8.33% discount is available on BeneFit 1, BeneFit 2, BeneFit, BeneFit Extra, BeneFit Access 500, BeneFit Access 300, MyPlan 150, MyPlan 350, MyPlan 500, MyPlan 150 with day to day, MyPlan 350 with day to day and MyPlan 500 with day to day when you buy online.

*A 5% discount is available on the HealthGuide range of plans when you buy online.

The discount on the BeneFit and MyPlan range of plans applies to new business policies taken out with a start date between 1st January to 28th February 2025.

The discount on the HealthGuide range of plans applies to new business policies taken out with a start date between 1st January to 31st March 2025.

The discounts will be deducted from the price shown.