4D Health 4

This plan will cost you

from € 132.23 a month

Get a quote

The price and benefits apply to plans bought on or after 01 April 2020. For older plans check your Table of Cover or Log onto your Member Portal.

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

High Tech Hospitals

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

Everyday Expenses

See member benefits

Consultants

MRI Scans

Dental

GP Visits

CT Scans

Physiotherapist

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 subject to €50 excess per claim
  • 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 €50 excess per claim subject to €2,000 co-payment on certain orthopaedic procedures
High Tech Hospitals
  • Day Case Covered subject to €50 excess per claim.
  • Listed Cardiac Procedures Covered subject to €50 excess per claim
  • 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 and Mater
  • 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
  • International Second Opinion Service Covered - refer to your Membership Handbook
  • 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
  • Child Home Nursing €100 x 14 days (following an inpatient stay of minimum 5 days)
  • Convalescence benefits €50 x 15 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)
  • Post Operative Home Help 2 x 3 hour cleaning sessions
Subject to excess
  • Consultant fees 75% per visit, unlimited
  • Emergency Dental Care €250
  • Home Nursing €40 x 20 days
  • Manual Lymph Drainage 50% up to €25 x 5 visits
  • Medical and surgical appliances As per specified list (subject to €200 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
  • Digital Doctor Unlimited. See irishlifehealth.ie for further information.
  • Health screening & allergy testing Up to €200 per policy year
  • HPV Vaccine 50% up to €200 per policy year
  • Minor Injury Clinic Cover 75% up to €500 per visit
  • Minor Injury Clinic Cover (HSE) 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 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 50% up to €300 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
  • Clinical Psychologist €25 x 10 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
  • Speech Therapist 50% x 12 combined visits

During checkout you may choose any 3 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.
  • 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
  • International Second Opinion Service
  • Laser Eye Surgery
  • Smiles Dental Access Package

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