Medical Insurance

Exact Health insurance costs are dependent on each individual employee, their insurance situation (i.e. age, previous insurance, Irish residence, etc) and BIK (tax bracket).

In-patient Coverage:

• Semi-private hospital room: Covered at public hospitals; private hospitals are covered with €150 excess per claim and subject to €2,500 co-payment on certain orthopaedic procedures; high-tech hospitals are covered (Beacon only) subject to €150 excess per claim, and 50% cover for Blackrock Clinic and Mater Private.
• Private hospital room: Covered at public hospitals; private hospitals are covered with semi-private rate of €150 excess per claim and subject to €2,000 co-payment on certain orthopaedic procedures; high-tech hospitals are covered (Beacon only) with semi-private rate of €150 excess per claim, and 50% cover for Blackrock Clinic and Mater Private.
• Day case in hospital: Covered at public hospitals; private hospitals are covered subject to €75 excess per claim; high-tech hospitals are covered subject to €75 excess per claim.
• Maternity public hospital coverage: 3 nights accommodation covered
• Home births: Covered up to €4,000
• Emergency in-patient treatment abroad: Hospital bills covered up to €100,000; repatriation expenses covered up to €1 million.
• Psychiatric treatment (not related to substance abuse): 100 days (up to the level of Hospital Cover provided under the plan)
• Psychiatric treatment (related to substance abuse): 91 days per 5 years (up to the level of Hospital Cover provided under the plan)
• Oncotype DX: Covered
• Health in the home: Covered with our provider partner
• Care Connect: Covered
• EXOGEN therapy: Covered with our provider partner
• Post-operative home help: 2x 3-hour cleaning sessions
• Convalescence benefits: €50 x 15 days
• Child home nursing: €100 x 14 days (following an inpatient stay of minimum 5 days)
• Medical ambulance costs:Covered
• Gender affirmation benefits: 50% up to €10,000 per lifetime
• Genetic testing: 50% covered for initial consult; tests for specific genetic mutations are covered in approved clinics with an approved consultant
• Cancer support benefits (for accommodation expenses when traveling more than 50km): Up to €100 per day up to a maximum of €1,500 per calendar year
• Genetic testing for cancer treatment options - Foundation One CDx: Covered
• Healthy Minds: Online access to mental health assessments and content and up to 6 counseling sessions via phone, chat, video or face-to-face

Out-patient Coverage (not subject to excess):

• Nurse on call: Covered
• Digital doctor: Unlimited
• Minor injury clinic cover: 75% up to €200 per visit
• Minor injury clinic cover (pay and claim): 75% up to €200 per visit
• MRI scans: Covered at approved centers
• HPV vaccine: 50% up to €200 per policy year
• CT scans: Covered at approved centers
• Out-patient maternity consultant fees: €400
• Menopause benefits: 60% cover for initial consultation
• PET-CT scans: Covered at approved centers
• Health screenings and allergy testing: Up to €200 per policy year
• Nutrition recovery benefits: €50 contribution
• Child development benefits: 50% up to €200 for a developmental / neuro-developmental assessment
• Psychotherapy and counseling benefits (including practitioners at the Dean Clinic): 50% up to 12 visits, capped at €1,000 per policy year
• Mammogram: First visit fully covered
• Dexa scan: Fist visit fully covered

Out-patient Coverage (subject to excess):

• Outpatient excess per person: €1
• Maximum amount of outpatient benefits per member per policy year: €4,000
• Consultant fees: 50% per visit, unlimited
• Public A&E cover: 50% up to €50 per visit
• Psycho-oncology counseling: 50% up to €25 x 8 visits
• Manual lymph drainage: 50% up to €25 x 5 visits
• Home recovery benefits: €80 x 10 days
• Pathology: Consultant fees covered up to 50% as per schedule of benefits for professional fees; 50% for tests
• Radiology: Consultant fees are covered up to 50% as per schedule of benefits for professional fees; 50% coverage for costs of tests

Day-to-day Health Coverage:

• Individual day-to-day excess: €1
• GP visits: 50% of each visit
• Physiotherapist or physical therapists: €30 x 10 visits
• Acupuncturists: 50% x 12 combined visits
• Chiropractors: 50% x 12 combined visits
• Homeopaths: 50% x 12 combined visits
• Massage therapists: 50% x 12 combined visits
• Osteopaths: 50% x 12 combined visits
• Reflexologists: 50% x 12 combined visits
• Reiki practitioners: 50% x 12 combined visits
• Chiropodist visits: 50% x 12 combined visits
• Psychologists: €25 x 10 visits
• Dietician visits: 50% x 12 combined visits
• Hearing tests: Up to €25 x 1
• Nutritionists: 50% x 12 combined visits
• Occupational therapists: 50% x 12 combined visits
• Orthoptist visits: 50% x 12 combined visits
• Podiatrist visits: 50% x 12 combined visits
• Prescriptions: €15 x 3 prescriptions
• Speech therapists: 50% x 12 combined visits

Additional benefits:

Additional benefits include laser treatments for skin conditions and facial hair, dermatology, mindfulness, sports clubs and gym membership, sexual health screenings, discounts on teeth whitening services, stress reduction programs, self-compassion programs, life coaching, therapy for ADHD, and more.

Employees can add dependents at their own expense. Once onboarded, they will need to request a quotation directly from the vendor and set up a direct debit for their dependents.

Same as standard plan

Dental Insurance

Coverage:

• Emergency dental coverage: €250
• Routine treatments: 50% up to €50 per policy year
• Non-routine treatments: 50% up to €100 per policy year
• Orthodontics: €100 cash benefit

Coverage:

Same as standard plan

• 2 dental exams per year
• Dental x-rays
• 2 dental cleanings per year
• 1 emergency dental treatment worldwide per year
• 70% cover for all other dental work – fillings, extractions, crowns, etc. (within limits stated on the policy)
• Orthodontics (18 month waiting period) One time use orthodontic benefit for children from 8 to 18 years. Up to 1.250€
• Oral Cancer Benefit (No waiting period) Lump Sum. 2.000€
• Oral Cancer Benefit (No waiting period) Oral Rehabilitation 3.000€
  
  

Vision Insurance

Coverage:

• 50% up to €75 per policy year for eye tests, glasses, or contact lenses (combined).
• Laser eye surgery: Up to €200 once per lifetime

Same as standard plan