4D Health 5

Great benefits from only

€196.19 per month

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The price and benefits apply to plans bought on or after 01 October 2024. For older plans check your Table of Cover or Log onto your Member Portal.

Your Hospital Cover

Tailored Plans Hospital List A

Public Hospitals

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

Private Hospitals

  • Semi-private room
  • Private room Covered subject to €50 per claim subject to €2,000 co-payment on certain orthopaedic procedures

High Tech Hospitals

  • Semi-private room
  • Private room Covered (Beacon only) subject to €50 per claim. 50% Cover in Blackrock Clinic and Mater Private
Important Information

Everyday Expenses

Everyday expenses faq image
Consultants
MRI Scans
GP Visits
CT Scans
Physiotherapist
See member benefits

Your 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
  • Private Room Covered subject to €50 excess per claim subject to €2,000 co-payment on certain orthopaedic procedures
  • Semi Private Room Covered subject to €2,000 co-payment on certain orthopaedic procedures
High Tech Hospitals
  • Day Case Covered
  • Listed Cardiac Procedures Covered
  • Listed Special Procedures Covered subject to €50 excess per claim subject to €2,000 co-payment on certain orthopaedic procedures
  • Private Room Covered (Beacon only) subject to €50 excess per claim. 50% Cover in Blackrock Clinic and Mater Private
  • Semi Private Room Covered (Beacon Only). Mater Private and Blackrock Clinic 50% cover.
  • Home birth Covered up to €4,000
  • Inpatient maternity consultant fees As per schedule of benefits for professional fees
  • Public hospital cover for maternity 3 nights accommodation
  • 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 €100,000
  • Repatriation expenses Covered up to €1 million
  • Benefit abroad for surgical procedures that are available in Ireland Yes - subject to level of cover available in Ireland
  • Benefit abroad for surgical procedures that are not available in Ireland Yes - up to the amount for the most similar surgical procedure to treat the same condition in Ireland
  • 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)
  • Cancer Support Benefit (for accommodation expenses when travelling more than 50km) Up to €100 per day up to a maximum of €1500 per calendar year
  • 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% cover up to €120,000 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)
  • Mental Health Guide Covered (refer to Membership Handbook)
  • Oncotype DX Covered
  • Parent accompanying child €40 x 14 days (not payable for the first 3 days)
  • Post Operative Home Help 2 x 3 hour cleaning sessions
Subject to excess
  • Breast prosthesis or wig (following cancer treatment) First breast prosthesis and wig covered, subsequent claims covered as per specified list
  • Consultant fees 75% per visit, unlimited
  • Emergency Dental Care €250
  • Eyebrow tattooing (following cancer treatment) Covered up to €150 once per policy year
  • Home Recovery Benefit €80 x 10 days
  • Manual Lymph Drainage 50% up to €25 x 5 visits
  • Medical and surgical appliances As per specified list (subject to €50 excess)
  • Pathology: Consultant fees 50% as per schedule of benefits for professional fees
  • Pathology: Cost of test 50% Cover
  • Psycho-oncology Counselling 50% up to €25 x 8 visits
  • Public A&E Cover 50% up to €50 per visit
  • Radiology: Consultant fees 50% as per schedule of benefits for professional fees
  • Radiology: Cost of test 50% Cover
With no excess
  • Child Development Benefit 75% up to €300 for a developmental / neurodevelopmental assessment
  • Convalescence benefits €50 x 15 days
  • Dexa Scan First visit fully covered
  • Digital Doctor Unlimited. See irishlifehealth.ie for further information.
  • 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
  • Health screening & allergy testing Up to €300 per policy year
  • HPV Vaccine 50% up to €200 per policy year
  • Mammogram First visit fully covered
  • Menopause Benefit 80% cover for initial consultation
  • Minor Injury Clinic Cover 75% up to €500 per visit
  • Minor Injury Clinic Cover (Pay & Claim) 75% up to €500 per visit
  • Nurse on call Covered
  • Nutrition Recovery Benefit €50 contribution
  • Out-patient maternity consultant fees €600
  • Psychotherapy and counselling benefit (including practitioners at the Dean Clinic) 50% up to 12 visits capped at €1,000 per policy year
Scan Cover
  • CT Scan: approved centre Covered
  • MRI Scan: approved centre Covered
  • PET-CT Scan: approved centre Covered
Day to Day Practicioners
  • Dentist Visits (Non Routine Treatment) 50% up to €250 per policy year
  • Dentist Visits (Routine Treatment) 50% up to €50 per policy year
  • GP Visits 75% of each visit
  • Physiotherapist or Physical therapist €40 x 15 visits
Allied Professionals and Alternative Practitioners
  • Acupuncturist 50% x 12 combined visits
  • Chiropractor 50% x 12 combined visits
  • Homeopath 50% x 12 combined visits
  • Massage therapist 50% x 12 combined visits
  • Osteopath 50% x 12 combined visits
  • Reflexologist 50% x 12 combined visits
  • Reiki practitioner 50% x 12 combined visits
Other Day to Day Benefits
  • Chiropodist Visits 50% x 12 combined visits
  • Dietician Visits 50% x 12 combined visits
  • Hearing Test Up to €25 x 1
  • Nutritionist Visits 50% x 12 combined visits
  • Occupational therapist Visits 50% x 12 combined visits
  • Optical (eye test and/or glasses/lenses combined) 50% up to €150 per policy year
  • Orthoptist Visits 50% x 12 combined visits
  • Podiatrist Visits 50% x 12 combined visits
  • Prescriptions €20 x 5 prescriptions
  • Psychologist €25 x 10 visits
  • Speech Therapist 50% x 12 combined visits

During checkout you may choose any 4 personalised packages at no extra cost.

  • Children Extra Get extra benefits for your children including money back for sports club memberships, parenting courses, counselling and orthodontics.
  • Fertility Extra Get enhanced cover for infertility treatment, fertility tests and counselling.
  • Maternity Extra Get access to a range of comprehensive extras including early pregnancy scans, ante-natal care and unique post natal recovery benefit.
  • Mind Extra Get cover towards self-care initiatives to help you look after your state of mind.
  • Screening Extra Get help to proactively manage your current and future health.
  • Sports Extra Get money back on a range of sports benefits including physiotherapy and gym membership.
  • Travel Extra Cover for travel vaccines and a FREE annual multi-trip travel insurance policy.
  • You Extra Get booster health benefits that includes money back on gym membership, a mindfulness course and visits to a dietician.
  • Back Up
  • Health Screening
  • International Second Opinion Service
  • Laser Eye Surgery

For full details on the above and all member benefits available to you please visit the Member Benefits section.