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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.


Please Note: For the period of the Covid-19 crisis there will be a reduction in private treatments as the majority of private hospitals have changed their operating model to assist with the crisis.

Health Insurance Comparison

BeneFit 2

from 70.38 a month
Get a quote

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 & orthopedic procedures
  • Private room Semi-Private Rate subject to €300 (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopedic 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 & orthopedic procedures
  • Private room Semi-Private Rate subject to €300 (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopedic 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 & orthopedic procedures
  • Semi Private Room Covered subject to €300 (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopedic 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 & orthopedic procedures
  • Private Room Semi-Private Rate subject to €300 (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopedic procedures
  • Semi Private Room Covered subject to €300 (first two claims per policy) subject to €2,000 co-payment on certain cardiac & orthopedic procedures
Download hospital list
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
  • Fitness Wearables €40 contribution
  • Home Nursing €40 x 20 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 (HSE) 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
  • International Second Opinion Service
  • Laser Eye Surgery
  • Smiles Dental Access Package
Other Inpatient Benefits
  • Child Home Nursing €100 x 14 days (following an inpatient stay of minimum 5 days)
  • Convalescence benefits €30 x 16 days
  • Gender reassignment benefit 50% up to €10,000 per lifetime
  • 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 (Immediately following an inpatient stay)
  • 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 €80 x 10 nights (subject to €1 excess)
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
A&E Abroad
  • 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

BeneFit

from 80.42 a month
Get a quote

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 €200 (first two claims per policy) subject to €2,000 co-payment on certain orthopaedic procedures
  • Private room Semi-Private Rate subject to €200 (first two claims per policy) subject to €2,000 co-payment on certain orthopaedic procedures

High Tech Hospitals

  • Semi-private room Covered (Beacon Only) subject to €200 (first two claims per policy) subject to €2,000 co-payment on certain orthopaedic procedures
  • Private room Semi-Private Rate (Beacon only) subject to €200 (first two claims per policy) subject to €2,000 co-payment on certain 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 €125 excess per claim
  • Private Room Semi-Private Rate subject to €200 (first two claims per policy) subject to €2,000 co-payment on certain orthopaedic procedures
  • Semi Private Room Covered subject to €200 (first two claims per policy) subject to €2,000 co-payment on certain orthopaedic procedures

High Tech Hospitals

  • Day Case Covered (Beacon Only) subject to €125 excess per claim
  • Listed Cardiac Procedures Covered (Beacon Only) subject to €200 excess (first two claims per policy)
  • Listed Special Procedures Covered (Beacon Only) subject to €200 excess (first two claims per policy) subject to €2,000 co-payment on certain orthopaedic procedures
  • Private Room Semi-Private Rate (Beacon only) subject to €200 (first two claims per policy) subject to €2,000 co-payment on certain orthopaedic procedures
  • Semi Private Room Covered (Beacon Only) subject to €200 (first two claims per policy) subject to €2,000 co-payment on certain orthopaedic procedures
Download hospital list
Outpatient Benefits

Subject to excess

  • Antenatal Class €30 towards an antenatal class, or, €30 contribution & 10% point of sale discount with GentleBirth Workshop
  • Cardiac Screening 50% Cover
  • Consultant fees €60 per visit, subject to outpatient excess
  • Dietician or Nutritionist Consultation €50 contribution
  • Digital Doctor Unlimited. See irishlifehealth.ie for further information.
  • Emergency Dental Care €250, subject to outpatient excess
  • Fitness Wearables €50 contribution
  • Home Nursing €40 x 20 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 €50 contribution
  • Manual Lymph Drainage €50 x 5 visits, subject to outpatient excess
  • Maternity Mental Health Support €40 x 5 sessions with Nurture
  • 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 (HSE) 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
  • Pre/Post natal medical expenses €250, 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 €50 contribution
  • Sports Massage €50 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
  • International Second Opinion Service
  • Laser Eye Surgery
  • Smiles Dental Access Package
Other Inpatient Benefits
  • 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
  • Child Home Nursing €100 x 14 days (following an inpatient stay of minimum 5 days)
  • Convalescence benefits €30 x 16 days
  • Gender reassignment benefit 50% up to €10,000 per lifetime
  • 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 (Immediately following an inpatient stay)
  • 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)
  • Public Hospital Levy €80 x 10 nights (subject to €1 excess)
Maternity
  • GentleBirth App See handbook for details
  • Inpatient maternity consultant fees As per schedule of benefits for professional fees
  • Postnatal Domestic Support 2 x 3 hour cleaning sessions
  • Public hospital cover for maternity 3 nights accommodation
  • Welcome Home Food Hamper Hamper and 30 minute phone consultation with a nutritionist
A&E Abroad
  • 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

Net More 300 ILH

from 87.73 a month
Get a quote

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 per claim subject to €2,000 co-payment on certain orthopaedic procedures
  • Private room Semi-Private Rate subject to €300 per claim subject to €2,000 co-payment on certain orthopaedic procedures

High Tech Hospitals

  • Semi-private room not covered
  • Private room not covered

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 Semi-Private Rate
  • Semi Private Room Covered

Private Hospitals

  • Day Case Covered subject to €50 excess per claim
  • Private Room Semi-Private Rate subject to €300 per claim subject to €2,000 co-payment on certain orthopaedic procedures
  • Semi Private Room Covered subject to €300 per claim subject to €2,000 co-payment on certain orthopaedic procedures

High Tech Hospitals

  • Day Case Not covered on this plan
  • Listed Cardiac Procedures Not covered on this plan
  • Listed Special Procedures Not covered on this plan
  • Private Room Not covered on this plan
  • Semi Private Room Not covered on this plan
Download hospital list
Outpatient Benefits

Subject to excess

  • Consultant fees (non-maternity) €60 per visit, subject to outpatient excess
  • Digital Doctor Unlimited. See irishlifehealth.ie for further information.
  • GP Visits €20 per visit, subject to outpatient excess
  • HPV Vaccine 50% up to €200 per policy year
  • Manual Lymph Drainage Up to €300, 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 (HSE) 70% up to €200 per visit
  • Nurse on call Covered
  • Pathology: Consultant fees 50% per consultant fee, subject to outpatient excess
  • Pathology: Cost of test 50% Cover, subject to outpatient excess
  • Public A&E Cover €60 x 1 visit, subject to outpatient excess
  • Radiology: Consultant fees 50% per consultant fee, subject to outpatient excess
  • Radiology: Cost of test 50% Cover, subject to outpatient excess

Scan Cover

  • CT Scan: approved centre Covered
  • CT Scan: non approved centre Not covered on this plan
  • MRI Scan: approved centre Covered
  • MRI Scan: non approved centre Not covered on this plan
  • PET-CT Scan: approved centre Covered
  • PET-CT Scan: non approved centre Not covered on this plan

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
  • International Second Opinion Service
  • Laser Eye Surgery
  • Smiles Dental Access Package
Other Inpatient Benefits
  • 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
  • Convalescence benefits €26 x 14 days
  • Gender reassignment benefit 50% up to €10,000 per lifetime
  • 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 (Immediately following an inpatient stay)
  • 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)
Maternity
  • Inpatient maternity consultant fees Covered up to €865
  • Public hospital cover for maternity 3 nights accommodation in a private room
A&E Abroad
  • Companion expenses (to remain with you or travel to you from Ireland or escort you) €1,000
  • Hospital bill for inpatient treatment Covered up to €100,000
  • Nurse 24/7 International Covered
  • Repatriation expenses Covered up to €1 million
Personalised Packages

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

  • Dental And Optical
  • Discounts for benefits like eye exams, prescription glasses and cash back on dental hygienist visits.
  • Enhanced Maternity
  • Cash back for private consultant fees and pre & post-natal yoga and pilates classes.
  • Family Protection
  • Free family life cover, flu vaccines and a first aid course for parents.
  • Sports Cover
  • Cash back on a range of benefits including physiotherapist and a free metabolic test.
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