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

BeneFit Access 300

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from € 85.92
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5% discount available*

Hospital Cover

An excess is the amount you pay to the hospital when you make a hospital claim. Co-Payments / shortfalls may also apply.

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 & orthopedic 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 & orthopedic 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 & orthopedic 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 & orthopedic 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

BeneFit 2

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from € 86.13
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5% discount available*

Hospital Cover

An excess is the amount you pay to the hospital when you make a hospital claim. Co-Payments / shortfalls may also apply.

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 & 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 & 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 & 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
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

MyPlan 150

Get a quote
from € 96.04
Get a quote
Personalise your plan

Hospital Cover

An excess is the amount you pay to the hospital when you make a hospital claim. Co-Payments / shortfalls may also apply.

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 €55,000
  • 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.
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
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*A 5% discount is available on the BeneFit, BeneFit1, BeneFit 2, BeneFit Access 300, BeneFit Access 500 and BeneFit Extra plans when you buy online.
The discount on BeneFit, BeneFit1, BeneFit 2, BeneFit Access 300, BeneFit Access 500 and BeneFit Extra applies to new business policies taken out with a start date between 1st June to 31st December 2023.
The discounts will be deducted from the price shown.