CompanyCare Premium (Excess)
This scheme gives comprehensive cover for hospital stays, as well as premium cover for your everyday medical expenses.
Hospital cover
- Private room in public hospitals.
- Private room in private hospitals.
- Day-case cover in Hi-tech hospitals.
Day-to-day expenses
- Acupuncture
- Chiropody/Podiatry
- Chiropractor
- Consultant visits
- Dietician
- Homeopathy
- Hospital casualty charge
- Occupational therapy
- Orthoptist
- Osteopath
- Physiotherapy
- Reflexology
- Speech & language therapy
- Travel vaccinations
Looking after you always with our benefits:
Full benefits of CompanyCare Premium (Excess)
Hospital Cover - Public Hospitals
| Day-case/Out-patient surgical | Full cover |
|---|---|
| Semi-private | Full cover |
| Private | Full cover |
Hospital Cover - Private Hospitals
| Private hospital excess | €125 excess per claim |
|---|---|
| Day-case/Out-patient surgical | Full cover |
| Semi-private | Full cover |
| Private | Full cover |
| Specified Orthopaedic & Ophthalmic Procedures | No excess applies for Specified orthopaedic procedures, normal excess applies for ophthalmic procedures |
| Non Hospital Surgical Centres | €50 excess per claim |
Hospital Cover - Hi-tech Hospitals, Blackrock Clinic, Mater Private Dublin & Beacon Hospital
| Hi-tech hospital excess | €250 excess per claim |
|---|---|
| Day-case/Out-patient surgical | Full cover - no excess |
| Semi-private | €325 shortfall per night |
| Private | €325 shortfall per night |
| Cover for specialist cardiac procedures in Hi-tech hospitals | Full cover - no excess |
| Specified Orthopaedic & Ophthalmic Procedures | No excess or shortfall applies for Specified orthopaedic procedures, normal excesses & shortfalls apply for ophthalmic procedures |
Hospital Cover - Other Benefits
| Participating Consultants' fees | Full cover |
|---|---|
| Psychiatric treatment | Full cover up to 100 days per year |
| Drug, Alcohol, Gambling & substance abuse | Full cover up to 91 days every 5 years |
| Convalescence care | Up to €70 per day for 14 days |
| Annual out-patient excess | €1 |
|---|---|
| Increased allowance for everyday medical expenses | Allowance increases from 50% to 75% when our payment for your everyday medical expenses exceeds €315 |
| GP/Nurse visits | 75% of costs |
| Home testing kits | 50% of costs up to €60 per year |
| Prescription costs | No cover |
| Consultant visits | 75% of costs |
| Hospital casualty charge | 50% - 75% of costs up to €50 per visit |
| Radiologist fees (professional fees) | 50% - 75% of costs in hospitals & approved diagnostic centres |
| Pathologist fees (professional fees) | 50% - 75% of costs in hospitals & approved diagnostic centres |
| Radiology diagnostic test (technical fees) | 50% - 75% of costs in hospitals & approved diagnostic centres |
| Pathology diagnostic test (technical fees) | 50% - 75% of costs in hospitals & approved diagnostic centres |
| Routine dental | 50% - 75% of costs up to €300 per year |
| Emergency dental | 50% - 75% of costs up to €510 per accident |
| Optical | 50% - 75% of costs up to €150 per year |
| Laser Eye Surgery | No cover |
| Hearing Benefit | 50% - 75% of costs up to €40 per year |
| Physiotherapy | 50% - 75% of costs - 25 visits per year |
| Travel vaccinations | 50% - 75% of costs up to €60 per year |
| Vaccinations-adults | No cover |
| Speech & language therapy | 75% of costs - 8 visits per year |
| Adult Counselling-Psychologists | 50% - 75% of costs up to €40 per visit - 8 visits per year |
| Adult Counselling-Counsellors and Therapists | No cover |
| Neurodevelopment Assessment Benefit-Adults | No cover |
| Orthoptist | 50% - 75% of costs - 8 visits per year |
| Acupuncture | 50% - 75% of costs - 12 visits per year |
| Osteopath | 50% - 75% of costs - 12 visits per year |
| Chiropractor | 50% - 75% of costs - 12 visits per year |
| Physical therapy/Athletic Rehabilitation | 50% - 75% of costs - 8 visits per year |
| Reflexology | 50% - 75% of costs - 8 visits per year |
| Homeopathy | 50% - 75% of costs - 12 visits per year |
| Dietician | 50% - 75% of costs - 5 visits per year |
| Occupational therapy | 75% of costs - 5 visits per year |
| Chiropody/Podiatry | 50% - 75% of costs - 5 visits per year |
| Home nursing following in-patient treatment | 50% - 75% of costs up to €1,400 per year |
| Hormone Replacement Therapy for Gender Dysphoria | 75% of costs up to €500 per lifetime |
| Dean Clinic out-patient mental health consultations | 50% - 75% of costs - 12 visits per year |
| Lois Bridges out-patient mental health consultations | 50% - 75% of costs - 12 visits per year |
| Menopause Support Package | No cover |
| Intrauterine system (IUS) hormonal coil-device | No cover |
| Intrauterine system (IUS) hormonal coil-procedure | No cover |
| Vasectomy | No cover |
| Approved Appliances | Refund for the amount shown for approved appliances on laya healthcare appliance list |
| Approved Sports Appliance List | No cover |
| Out-patient limit | €7,650 |
Maternity Benefits
| Maternity in-patient hospital delivery/homebirth costs | Full cover for 3 nights in a public hospital or up to €3,500 per year towards homebirth costs |
|---|---|
| In-patient maternity consultant fees | Full cover for participating consultants |
| Maternity out-patient consultations (subject to annual out-patient excess) | Up to €500 per pregnancy |
| Foetal screening (subject to annual out-patient excess) | No cover |
| Post natal home nursing if hospital stay is less than 3 nights | Up to €1,300 for 2 nights home nursing & up to €650 for 1 night home nursing |
| Car parking expenses | No cover |
| New parents food allowance | No cover |
| Baby massage classes | No cover |
| Breastfeeding consultations | No cover |
| Maternity bra | No cover |
| Antenatal classes/midwifery services | No cover |
| Midwife support service | No cover |
| Paediatric First Aid Course | Up to €40 per year |
| Maternity Yoga/Pilates | No cover |
| 3D/4D Scans | No cover |
Child Healthcare Benefits
| Home nursing for children (following in-patient treatment) | 50% - 75% of costs up to €2,800 per year |
|---|---|
| Child counselling (subject to annual out-patient excess) | 75% of costs - 8 visits per year |
| Parent travel & accommodation benefit | Up to €105 per day for 14 days |
| Child healthcare support benefit (following in-patient treatment) | Full refund up to €250 combined receipts on a range of benefits |
| Vaccinations (subject to annual out-patient excess) | No cover |
| Childhood development assessment | No cover |
| Play therapy | No cover |
Fertility Benefit
| First Steps fertility package | 50% of costs up to €1,000 per year. Please refer to rules for the list of eligible fertility tests and treatments |
|---|---|
| Fertility Counselling (0818 100 030) | No cover |
| Fertility Preservation | €1000 per lifetime for egg freezing or €200 per lifetime for sperm freezing at approved centres |
| Pre Implantation Genetic Testing | No cover |
| Breast prosthesis or hairpiece (following cancer treatment) | Full cover for both |
|---|---|
| Cancer accommodation benefit | Up to €100 per night. No limit |
| Manual lymph drainage | Up to €500 per year |
| Medical tattooing | Up to €150 per year |
| Genetic screening for cancer risk | Full cover in the Mater Private Dublin |
| Genetic testing consultation for cancer (subject to annual out-patient excess) | 75% of costs for initial consultation |
| Sleeping caps | Full refund for 1 sleeping cap per membership year |
| Emergency hospital admission while overseas (+353 21 422 2204) | Up to €100,000 per episode of illness or injury |
|---|---|
| Medical Evacuation | Up to €2 million towards the cost of medical evacuation. Up to €1,000 towards companion evacuation |
| Treatment not available in Ireland | Full cover in the EU or UK- subject to prior approval |
| Medical Tourism | Full cover for treatment in another country within the EU or UK, up to the amount payable in Ireland - subject to prior approval |
| Consultant Connections | Full cover - subject to prior approval |
| Gender affirmation surgery abroad | Cover up to €100,000 in the EU or UK - subject to prior approval |
| Gender affirmation support | No cover |
| Healthcare Concierge clinical support service | Unlimited access to clinical support service with a dedicated healthcare professional (021 202 2893) |
|---|
| Healthcoach face to face consultations | Full cover for 1 consultation every 2 years |
|---|
Careoncall
| GPlive (online GP consultation) | Full cover - unlimited consultations |
|---|---|
| 24 Hour GPline (021 202 2860) | Full cover from Ireland & abroad |
| 24 Hour Nurseline (021 202 2861) | Full cover from Ireland & abroad |
Digital Benefits
| Digital Health Hub | Unlimited access for a range of digital health and wellbeing services. |
|---|
| HeartBeat cardiac screening | Full cover for 1 screen every 2 years for members over the age of 12 |
|---|---|
| Direct payment MRI, CT & PET scans | Full cover in laya healthcare approved centres |
| Direct payment mammogram | Full cover in laya healthcare approved centres |
| Direct payment bone density/dexa scan | Full cover in laya healthcare approved centres |
| Women's cancer screening (subject to annual out-patient excess) | 50% - 75% of costs |
| Men's cancer screening (subject to annual out-patient excess) | 50% - 75% of costs |
| Sports health screening | Up to €400 every 2 years paid directly to centre |
| Executive health check (subject to annual out-patient excess) | 50% - 75% of costs for 1 visit every 2 years in approved centres |
| 24/7 Telephone Counselling (1800 911 909) | Full cover |
|---|---|
| Face to face/Video/Phone Counselling | Full cover for 6 visits per presenting issue |
| Cover for specific support services | Full cover for 1 session per presenting issue for legal, consumer & health advice, career guidance, life coach & mediation. |
| QuickCare consultations & treatment | Full cover in approved minor injuries & illness centres |
|---|---|
| Fracture Clinic | Full cover in approved minor injuries & illness centres |
Hospitals covered 
Hospitals not covered