Horizon 4

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 €50 excess per claim subject to €2,500 co-payment on certain orthopaedic procedures, €1,000 co-payment on certain cardiac procedures and €500 co-payment on certain ophthalmic procedures
• Private Room Covered subject to €50 excess per claim subject to €2,500 co-payment on certain orthopaedic procedures, €1,000 co-payment on certain cardiac procedures and €500 co-payment on certain ophthalmic procedures
• Semi Private Room Covered subject to €50 excess per claim subject to €2,500 co-payment on certain orthopaedic procedures, €1,000 co-payment on certain cardiac procedures and €500 co-payment on certain ophthalmic procedures

High Tech Hospitals

• Day Case Covered subject to €50 excess per claim; subject to €2,500 co-payment on certain orthopaedic procedures, €1,000 co-payment on certain cardiac procedures and €500 co-payment on certain ophthalmic procedures
• Listed Cardiac Procedures Covered subject to €50 excess per claim subject to €1,000 co-payment on certain cardiac procedures
• Listed Special Procedures Covered subject to €50 excess per claim subject to €2,500 co-payment on certain orthopaedic procedures and €500 co-payment on certain ophthalmic 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) subject to €50 excess per claim. 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 Covered up to €100,000 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 €120 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 €200 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 €500
• 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 10 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 €15 x 5 prescriptions
• Psychologist €25 x 10 visits
• Speech Therapist 50% x 12 combined visits

• 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