Hospital Cover


Hospital Excess

The amount you pay if you make a hospital claim on your policy.


Day to Day Benefits

Expenses such as GP, dentist & physio.


Health Insurance Comparison

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Hospital Cover

Public Hospitals

  • Semi-private room in a public hospital
  • Private room in a public hospital

Private Hospitals

  • Semi-private room Covered subject to €300 ; subject to a €2,000 co-payment on certain cardiac & orthopaedic procedures
  • Private room Semi-Private Rate subject to €300 per claim and €2,000 co-payment on certain cardiac & orthopaedic procedures

High Tech Hospitals

  • Semi-private room Covered (Beacon Only) subject to €300 per claim subject to €2,000 co-payment on certain cardiac & orthopaedic procedures
  • Private room Semi-Private Rate (Beacon Only) subject to €300 per claim subject to €2,000 co-payment on certain cardiac & orthopaedic procedures

Extra Cover

Consultants
MRI Scans
Dental
GP Visits
CT Scans
Physiotherapist
Optical
Nutritionist
Massage
Hospital Cover

Inpatient scans and Consultants 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 per claim and €2,000 co-payment on certain cardiac & orthopaedic procedures
  • Semi Private Room Covered subject to €300 ; 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 per claim subject to €2,000 co-payment on certain cardiac & orthopaedic procedures
  • Semi Private Room Covered (Beacon Only) subject to €300 per claim subject to €2,000 co-payment on certain cardiac & orthopaedic procedures
Outpatient Benefits

Subject to excess

  • Cardiac Screening 50% Cover
  • Consultant fees €60 per visit, subject to outpatient excess
  • Dietician or Nutritionist Consultation €25 contribution
  • Digital Doctor Unlimited. See irishlifehealth.ie for further information.
  • Emergency Dental Care €250, subject to outpatient excess
  • 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.

Member Benefits
  • Allen Carr Smoking Cessation
  • Back Up
  • Health Screening
  • International Second Opinion Service
  • Laser Eye Surgery
Other Inpatient Benefits
  • Care Connect Covered (refer to membership handbook)
  • Child Home Nursing €100 x 14 days (following an inpatient stay of minimum 5 days)
  • Convalescence benefits €30 x 16 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)
Maternity
  • GentleBirth App See handbook for details
  • Inpatient maternity consultant fees Covered up to €296
  • Public hospital cover for maternity Covered up to €385
Emergency Inpatient Treatment Abroad and related benefits
  • 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
Personalised Packages

There are no Personalised Packages available.

Psychiatric Treatment
  • 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)
Download Table of Cover
from
89.54
84.27
Get a quote
Save 5% online*

Hospital Cover

Public Hospitals

  • Semi-private room in a public hospital
  • Private room in a public hospital

Private Hospitals

  • Semi-private room Covered subject to €300 (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopaedic procedures
  • Private room Semi-Private Rate subject to €300 (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopaedic procedures

High Tech Hospitals

  • Semi-private room Covered subject to €300 (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopaedic procedures
  • Private room Semi-Private Rate subject to €300 (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopaedic procedures

Extra Cover

Consultants
MRI Scans
Dental
GP Visits
CT Scans
Physiotherapist
Optical
Nutritionist
Massage
Hospital Cover

Inpatient scans and Consultants 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 (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopaedic procedures
  • Semi Private Room Covered subject to €300 (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 (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopaedic procedures
  • Semi Private Room Covered subject to €300 (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopaedic procedures
Outpatient Benefits

Subject to excess

  • Cardiac Screening 50% Cover
  • Consultant fees €60 per visit, subject to outpatient excess
  • Dietician or Nutritionist Consultation €40 contribution
  • Digital Doctor Unlimited. See irishlifehealth.ie for further information.
  • Emergency Dental Care €250, subject to outpatient excess
  • 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
  • International Second Opinion Service Covered - refer to your Membership Handbook
  • 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.

Member Benefits
  • Back Up
  • Health Screening
  • International Second Opinion Service
  • Laser Eye Surgery
Other Inpatient Benefits
  • Care Connect Covered (refer to membership handbook)
  • Child Home Nursing €100 x 14 days (following an inpatient stay of minimum 5 days)
  • Convalescence benefits €30 x 16 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)
  • Public Hospital Levy Levy no longer charged
Maternity
  • 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
Emergency Inpatient Treatment Abroad and related benefits
  • 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
Personalised Packages

There are no Personalised Packages available.

Psychiatric Treatment
  • 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)
Download Table of Cover
from
99.69
93.92
Get a quote
Save 5% online*

Hospital Cover

Public Hospitals

  • Semi-private room in a public hospital
  • Private room in a public hospital

Private Hospitals

  • Semi-private room Covered subject to €150 ; subject to €2,500 co-payment on certain orthopaedic procedures and €1,000 on certain cardiac procedures
  • Private room Semi-Private Rate subject to €150 ; subject to €2,500 co-payment on certain orthopaedic procedures and €1,000 on certain cardiac procedures

High Tech Hospitals

  • Semi-private room Covered in Beacon only; subject to €150 per claim and €2,500 co-payment on certain cardiac & orthopaedic procedures
  • Private room Semi-Private Rate (Beacon only); subject to €150 per claim and €2,500 co-payment on certain cardiac & orthopaedic procedures

Extra Cover

Consultants
MRI Scans
Dental
GP Visits
CT Scans
Physiotherapist
Optical
Nutritionist
Massage
Hospital Cover

Inpatient scans and Consultants 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 ; subject to €2,500 co-payment on certain orthopaedic procedures and €1,000 on certain cardiac procedures
  • Semi Private Room Covered subject to €150 ; 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 per claim and €2,500 co-payment on certain cardiac & orthopaedic procedures
  • Semi Private Room Covered in Beacon only; subject to €150 per claim and €2,500 co-payment on certain cardiac & orthopaedic procedures
Outpatient Benefits

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 Health Consultation 50% cover x 4 consultations per year with our provider partner
  • 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.

Member Benefits
  • Back Up
  • Health Screening
  • International Second Opinion Service
  • Laser Eye Surgery
Other Inpatient Benefits
  • 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
Maternity
  • Inpatient maternity consultant fees As per schedule of benefits for professional fees
  • Public hospital cover for maternity 3 nights accommodation
Emergency Inpatient Treatment Abroad and related benefits
  • 24 hour telephone assistance Covered
  • Hospital bill for inpatient treatment Covered up to €100,000
  • Repatriation expenses Covered up to €1 million
Personalised Packages

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.
Psychiatric Treatment
  • 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)
Download Table of Cover