Core Plan - Hospital Plans

 GoodBetterBest
Public Hospital Semi-Private RoomFully coveredFully coveredFully covered
Public Hospital Private RoomFully covered - Multiple Occupancy Rate*Fully coveredFully covered
Private Hospital Semi-Private Room*60% coverCovered with a €100 excess per claimCovered
Private Hospital Private Room*60% of the semi-private room rateCovered with an excess of €200 per nightCovered with an excess of €100 per night.
High-Tech Hospital*35% of the semi-private room rate50% of the semi-private room rate50% of the semi-private room rate
Cardiac Procedures carried out in a High-Tech Hospital*35% of the semi-private room rate90% cover with an excess of €150 per claimFully covered
Special Procedures carried out in a High-Tech Hospital*35% of the semi-private room rate90% cover with an excess of €150 per claim90% cover
Day Case Public HospitalsFully coveredFully coveredFully covered
Day Case Private HospitalsCovered with an excess of €100 per night.Fully covered with a €50 excessFully covered
In-Patient Consultant FeesFully coveredFully coveredFully covered
Personalised Packages223
Kids PricingNewborns FREE until renewalKids FREE until 3Kids FREE until 3
Consultant Fees (which leads to an elective procedure)Not coveredNot covered€100 per year (not subject to out-patient excess)
Companion Expenses (contribution towards a companion’s accommodation and transport expenses)Not coveredNot covered€25 x 2
Glossary of Terms

Multiple Occupancy Rate: a semi-private room or a public ward in a public hospital 

In-Patient: In-patient cover is the cover you receive for any treatment which requires you to stay overnight in hospital after being admitted.

Day Case: Day case cover is the cover you receive for any treatment which requires you to be admitted as a day patient but does not require an overnight stay. Excess: An excess or shortfall is the amount that you will need to pay directly to the hospital towards your treatment.

Cardiac procedures: Listed cardiac procedures. See full list in Health Documents

Special Procedures: Listed special procedures. See full list in Health Documents

High-Tech Hospital: These are a form of private hospitals that carry out advanced medical procedures. There are three High-Tech hospitals - Blackrock Clinic, Mater Private and Beacon Hospital.

Some personalised packages, as indicated in the above table, are included as standard on our cover options excluding the Basic Plan. If you wish to add more personalised packages to your cover, you will incur a charge. Please note our Basic plan does not include personalised packages not can you add any personalised packages to this plan.

*€2,000 excess on certain orthopaedic procedures applies

We also have 5 alternative cover options Basic, Ultra, Ultimate, Better Plan Ultra Cash and Best Plan Ultimate Cash. Find out more information on what other options are available.