Employee Health Insurance in Ireland

Health Benefits

Offering health insurance in this country is not mandatory, but providing these additional health benefits can greatly enhance the healthcare experience for employees by enabling access to a wider range of providers and specialists, as well as significantly reducing wait times. When onboarding a new hire in Ireland, Remote offers the Local Health Guide 2 and Local Health Guide 3 plans. The Local Health Guide 2 plan provides extensive inpatient and outpatient coverage, including semi-private hospital rooms, emergency in-patient treatment abroad, psychiatric treatment, minor injury clinic cover, routine and non-routine dental treatments, vision coverage, and additional benefits like laser treatments and mental health support. The Local Health Guide 3 plan enhances these benefits with more extensive outpatient services, additional dental and vision care, and higher coverage limits for various treatments. If you would like more insight into fair equity and benefits best practices, you can download our Global Benefits Guide here!

Guide 2
In-patient Coverage:
- Private Patient in a multi-occupancy (which may include semi-private) room in a public hospital and day case: Covered
- Public Hospital Private Room: Covered
- Private Hospital Semi Private Room: Covered; €150 excess per claim
- Private Hospital Private Room: Covered €150 per night
- High Tech Hospitals: The Blackrock Clinic, Mater Private, Beacon Hoapital - certain Cardiac Procedures: Covered (no excess)
- High Tech Hospitals: The Blackrock Clinic, Mater Private, Beacon Hoapital -certain Special Procedures: Covered; €150 excess per claim
- The Blackrock Clinic, Mater Private, Beacon Hopital - procedures other than Cardiac and Special (General & Elective Procedures/Admission): 50% cover in Mater Private & Blackrock Clinic. Full Cover in Beacon €150 per claim
- Day Case Private & High Tech Hospitals: Covered; €75 per claim
- Convalescence: €50 x 20
- Cancer Support Benefit: Cover for Breast Prosthesis - First is covered and subsequent is 50% up to €1,000. Cover for wig following cancer treatment - First is covered and subsequent is 50% up to €1,000. Eyebrow totooing & Sleeping Caps covered up to €60 once per policy year.
Maternity Coverage:
- Hospital Costs Up To 3 Nights: Full Cover
- Home Births: €4.000
- Delivery Consultant Fees: Covered up to agreed charges incurred on day of delivery for participating consultants
- Out Patient Maternity Consultant Care: €400
- Post Natal Domestic Support: 2 x 3 hour cleaning sessions
- Post Natal Home Nursing: See 'Other Maternity Benefits' below
- Child Home Nursing: €100 x 14 days (following hospital stay of 5 days)
- Pre/Post Natal Care: See 'Other Maternity Benefits' below
- Child Healthcare Benefit: Child Delevelopment Benefit: 50% up to €500 for developmental / neurodevelopmental assessment.
- Parent Accompanying Child: €40 X 14 not incl. first 3 days
- Partner Benefit: €50 towards day travel, accomodation & child minding expenses.
- Breastfeeding Consultancy: €30 x 2 sessions
- Other Maternity Benefits: Home Early Support following 1 night's stay in hospital of 2 hrs midwife and 3 x 3 hrs with postnatal supporter or following 2 night's stay in hospital of 1 hr midwife and 2 x 3 hrs with postnatal supporter; Postnatal Support benefit: 1 x 3 hr sessions with postnatal supporter; Maternity Mental Health Support €40 x 8 sessions with Nurture; Antenatal Class benefit of €50 towards antenatal class plus 10% off GentleBirth workshop and Access to GentleBirth app; Maternity "Welcome Home Food Hamper" plus 30 min phone consultation with Nutritionist; AMH Fertility Test €50; Pre and post-natal yoga/pilates €20 x 3 visits. Baby Massage €40 for a course of 4 classes. 3D & 4D scans (provided by Babyscan or MD Ultrasound) €50 contribution. His & Hers Fertiliy Screening Test €50 contribution. Zika Virus Screening €50 contribution + €10 point of sale discount with Tropical Medical Bureau
Outpatient Coverage:
- Individual Excess €1
- Family Excess €1
- Consultant Fees 50% per visit (unlimited)
- GP Visits 50% per visit (unlimited). Digital Doctor Service, unlimited consultations by phone or online video
- Physiotherapist €30 x 15 visits; Back Up treatment programme of 8 sessions twice a year. Once off fee of €50
- A & E Charge 50% up to €50 per visit (public Hospitals Only). Minor Injury Cover of 75% up to €200 per visit (HSE & Private Minor Injury Clinics)
- Alternative Medical Practitioners Acupuncture, Chiropodist, Chiropractor, Dietician, Occupational Therapist, Osteopath, Physical Therapist, Podiatrist, Orthoptist, Reflexologist 50% x 12 visits combined
- Homeopath 50% x 12 visits combined with the above alternative practitioners
- Medical Herbalist 50% x 12 visits combined with the above alternative practitioners
- Massage Therapist 50% x 12 visits combined with the above alternative practitioners
- Nutritionist 50% x 12 visits combined with the above alternative practitioners
- Reiki Practitioner 50% x 12 visits combined with the above alternative practitioners
- Speech & Language Therapist 50% x 12 visits (children and/or adults) combined with the above alternative practitioners
- Cancer Support Benefit (mileage, transportation, hotel) €100 per day for up to a max' of €1,500 per calendar year.
- Psycho Onchology Counselling 50% up to €25 by 8 visits
- Manual Lymph Drainage 50% up to €25 by 5 visits
- Hearing Test Up to €40 per year
- Prescription Costs €15 x 3
- Employee assistance programme Healthy Minds Benefit; Up to 6 face to face councilling session (per episode) and unlimited sessions through phone, chat or video
- Vaccinations HPV vaccine 50% up to €200 per policy year. 50% up to €100 towards travel vaccinations. Flu Vaccine fully covered with Tropical Medical Bureau.
- Out Patient Policy Limit €4.000
Outpatient Radiology
- Approved Centres MRI, CT, PET CT covered in full by Direct Settlement in approved centres
- Non Approved Centres Not Covered
- Radiology Consultants Fees 50% (no excess)
- Radiology Test Fees 50% (no excess)
- Health Screening Health screening and Allergy Testing up to €200 per year; Oncotype DX covered; Genetic Testing - Initial Consultation 50% cover, test for specified genetic mutations covered in approved clinics
Dental Insurance
- Emergency Dental Care: Up to €250
- Non Emergency Dental: 50% up to €175 per policy year.
Vision Insurance
- Optical 50% up to €75 per year; 15% Discount for Laser Eye Surgery with Optilase
Overseas
- Benefit Abroad For Surgical Procedures Available In Ireland Covered; subject to the level of cover available in Ireland
- Benefit Abroad For Surgical Procedures Not Available In Ireland Covered; up to the amount of the most similar surgical procedure to treat the same condition in Ireland
- Hospital Bill €100,000 (inpatient)
- Repatriation Expenses €1.000.000
- Repatriation of Mortal Remains Yes
- Companion Repatriation Expenses €1.000
- 24 Hour Telephone Assistance Covered
- Expenses For Companion €1.000
- Gender Affirmation Surgery 50% up to €120,000 (per lifetime) worldwide
Psychiatric Cover
- In Patient Psychiatric Non Alcohol Drug 100 days
- In Patient Psychiatric Alcohol Related 91 days per 5 years
- Out Patient Psychiatric Care Psychologist Psychologist €50 x 10 visits, Psychotherapy & Councelling Benefit; 50% by 12 visits capped at €1,250 per year.
Fertility Benefits
- Fertility Benefit Covered up to a max' of €1,000 for IVF, IUI & ICSI (twice per lifetime)
- Fertility Preservation Covered up to a max' of €1,000 for egg freezing (once per lifetime) and Sperm Freezing covered up to a max of €150 once per lifetime
Optional Coverages: Dental Insurance & Family Coverage

These coverages can be included for an additional cost:
- Dependent Coverage: Note that the final cost for family coverage may vary based on the number of dependents an employee adds.
- Dental Care & Prevent:
- Coverage: 100%
- Services: 2 dental exams, dental x-rays, 2 dental cleanings per year
- Emergency dental treatment available worldwide per year
- Dental Basic Treatment:
- Coverage: 70%
- Services: Fillings, extractions, treatment of gum disease
- Additional for children: Sealants, space maintainers, stainless steel crowns
- Dental Major Treatment:
- Coverage: 70%
- Services: Crowns, inlays, onlays, veneers, root canal treatment, dentures, bridges, and implant-supported crowns
- Orthodontics:
- One-time benefit for children aged 8 to 18 years
- Amount: €1,250
- Waiting Period: 18 months
- Oral Cancer Benefit:
- Lump Sum: €2,000
- Oral Rehabilitation: €3,000
- No waiting period for benefit initiation
- Policy Maximums:
- Annual maximum for crowns, inlays, onlays, and veneers per member: €600
- Lifetime maximum for orthodontic treatment: €1,250
- Lifetime maximum for oral cancer benefit: €5,000
- Annual maximum for all other services per member: €2,000
Guide 3
In-patient Coverage:
- Private Patient in a multi-occupancy (which may include semi-private) room in a public hospital and day case: Covered
- Public Hospital Private Room: Covered
- Private Hospital Semi Private Room: Covered; €75 excess per claim
- Private Hospital Private Room: Covered; €75 excess per claim
- High Tech Hospitals: The Blackrock Clinic, Mater Private, Beacon Hoapital - certain Cardiac Procedures: Covered (no excess)
- High Tech Hospitals: The Blackrock Clinic, Mater Private, Beacon Hoapital -certain Special Procedures: Covered; €75 excess per claim
- The Blackrock Clinic, Mater Private, Beacon Hopital - procedures other than Cardiac and Special (General & Elective Procedures/Admission): 50% cover in Mater Private & Blackrock Clinic. Full Cover in Beacon €150 per claim
- Day Case Private & High Tech Hospitals: Covered; €50 excess per claim
- Convalescence: €50 x 25
- Cancer Support Benefit: €100 per day for up to a max' of €1,500 per calendar year
Maternity Coverage:
- Hospital Costs Up To 3 Nights: Full Cover
- Home Births: €4.000
- Delivery Consultant Fees: Covered up to agreed charges incurred on day of delivery for participating consultants
- Out Patient Maternity Consultant Care: €500
- Post Natal Domestic Support: 3 x 3 hour cleaning sessions
- Post Natal Home Nursing: Home Early Support following 1 night's stay in hospital of 2 hrs midwife and 3 x 4 hrs with postnatal supporter or following 2 night's stay in hospital of 1 hr midwife and 3 x 3 hrs with postnatal supporter
- Child Home Nursing: €100 x 14 days (following hospital stay of 5 days)
- Pre/Post Natal Care: See 'Other Maternity Benefits' below
- Child Healthcare Benefit: Child Delevelopment Benefit: 50% up to €750 for developmental / neurodevelopmental assessment.
- Parent Accompanying Child: €40 X 14 not incl. first 3 days
- Partner Benefit: €50 x 2 Days travel, accomodation and childminding expenses
- Breastfeeding Consultancy: €50 x 2 sessions
- Other Maternity Benefits: Postnatal Support benefit: 2 x 3 hr sessions with postnatal supporter; Maternity Mental Health Support €40 x 10 sessions with Nurture; Antenatal Class benefit of €75 towards antenatal class and Access to GentleBirth app; Maternity "Welcome Home Food Hamper" plus 30 min phone consultation with Nutritionist; AMH Fertility Test €75; Pre and post-natal yoga/pilates €20 x 3 visits. Baby Massage €40 for a course of 4 classes. 3D & 4D scans (provided by Babyscan or MD Ultrasound) €70 contribution. His & Hers Fertiliy Screening Test €50 contribution. Zika Virus Screening €75 contribution + €10 point of sale discount with Tropical Medical Bureau
Outpatient Coverage:
- Individual Excess €1
- Family Excess €1
- Consultant Fees 75% per visit (unlimited)
- GP Visits 75% per visit (unlimited), Unlimited access to Digital Doctor online service; Nurse On Call covered.
- Physiotherapist €40 x 15 visits; Back Up treatment programme of 8 sessions twice a year. Once off fee of €50
- A & E Charge €75 per visit (public, private & high tech Hospitals). Minor Injury Cover of 75% up to €300 per visit (HSE & Private Minor Injury Clinics - 20 Clinic Choices)
- Alternative Medical Practitioners Acupuncture, Chiropodist, Chiropractor, Dietician, Occupational Therapist, Osteopath, Physical Therapist, Podiatrist, Orthoptist, Reflexologist 50% x 15 visits combined
- Homeopath Not covered
- Medical Herbalist Not covered
- Massage Therapist 50% x 15 visits combined with the above alternative practitioners
- Nutritionist 50% x 15 visits combined with the above alternative practitioners
- Reiki Practitioner 50% x 15 visits combined with the above alternative practitioners
- Speech & Language Therapist 50% x 15 visits (children and/or adults) combined with the above alternative practitioners
- Cancer Support Benefit Cover for Breast Prosthesis - First is covered and subsequent is 50% up to €1,000. Cover for wig following cancer treatment - First is covered and subsequent is 50% up to €1,000. Eyebrow totooing covered up to €90 & Sleeping Caps covered up to €60 once per policy year.
- Psycho Onchology Counselling 75% up to €25 by 8 visits
- Manual Lymph Drainage 75% up to €25 by 5 visits
- Hearing Test Up to €40 per year
- Prescription Costs €15 x 35
- Employee assistance programme Healthy Minds Benefit; Up to 6 face to face councilling session (per episode) and unlimited sessions through phone, chat or video
- Vaccinations HPV vaccine 50% up to €200 per policy year. 50% up to €100 towards travel vaccinations. Flu Vaccine fully covered with Tropical Medical Bureau.
- Out Patient Policy Limit €4.000
Outpatient Radiology
- Approved Centres MRI, CT, PET CT covered in full by Direct Settlement in approved centres
- Non Approved Centres Not Covered
- Radiology Consultants Fees 50% (no excess)
- Radiology Test Fees 75% (no excess)
- Health Screening Health screening and Allergy Testing up to €300 per year; Oncotype DX covered; Genetic Testing - Initial Consultation 75% cover, test for specified genetic mutations covered in approved clinics. Dexa Scan & Mammogram; first visit fully covered, 50% cover for subsequent visits. €50 contribution towards Sports Club / Gym Membership / Classes. 50% cover for Cardiac Screening. €75 contribution towards SADS screening. At home testing: €75 per year. Lifestyle Genomic Testing - Nutrition, Fitness, Sleep & Stress; 50% up to €75. Life Coaching Session; €50 contribution. Zika screening; €75 contribution plus €10 discount with partner provider.
Dental Insurance
- Emergency Dental Care: Up to €500
- Non Emergency Dental: 75% up to €300 per policy year.
Vision Insurance
- Optical 75% up to €150 per year; 15% Discount for Laser Eye Surgery with Optilase
Overseas
- Benefit Abroad For Surgical Procedures Available In Ireland Covered; subject to the level of cover available in Ireland
- Benefit Abroad For Surgical Procedures Not Available In Ireland Covered; up to the amount of the most similar surgical procedure to treat the same condition in Ireland
- Hospital Bill €100,000 (inpatient)
- Repatriation Expenses €1.000.000
- Repatriation of Mortal Remains Yes
- Companion Repatriation Expenses €1.000
- 24 Hour Telephone Assistance Covered
- Expenses For Companion €1.000
- Gender Affirmation Surgery Up to €120,000 (per lifetime) worldwide
Psychiatric Cover
- In Patient Psychiatric Non Alcohol Drug 100 days
- In Patient Psychiatric Alcohol Related 91 days per 5 years
- Out Patient Psychiatric Care Psychologist Psychologist €75 x 10 visits, Psychotherapy & Councelling Benefit; 75% by 12 visits capped at €1,250 per year.
Fertility Benefits
- Fertility Benefit Genetic Testing: Initial consultantion: 75% cover. Test for specified genetic mutations: covered in approved clinics with approved consultant.Covered up to a max' of €2,000 for IVF, IUI & ICSI (twice per lifetime)
- Fertility Preservation Covered up to a max' of €1,250 for egg freezing (once per lifetime) and Sperm Freezing covered up to a max of €175 once per lifetime
Optional Coverages: Dental Insurance & Family Coverage

These coverages can be included for an additional cost:
- Dependent Coverage: Note that the final cost for family coverage may vary based on the number of dependents an employee adds.
- Dental Care & Prevent:
- Coverage: 100%
- Services: 2 dental exams, dental x-rays, 2 dental cleanings per year
- Emergency dental treatment available worldwide per year
- Dental Basic Treatment:
- Coverage: 70%
- Services: Fillings, extractions, treatment of gum disease
- Additional for children: Sealants, space maintainers, stainless steel crowns
- Dental Major Treatment:
- Coverage: 70%
- Services: Crowns, inlays, onlays, veneers, root canal treatment, dentures, bridges, and implant-supported crowns
- Orthodontics:
- One-time benefit for children aged 8 to 18 years
- Amount: €1,250
- Waiting Period: 18 months
- Oral Cancer Benefit:
- Lump Sum: €2,000
- Oral Rehabilitation: €3,000
- No waiting period for benefit initiation
- Policy Maximums:
- Annual maximum for crowns, inlays, onlays, and veneers per member: €600
- Lifetime maximum for orthodontic treatment: €1,250
- Lifetime maximum for oral cancer benefit: €5,000
- Annual maximum for all other services per member: €2,000

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Health Benefits

In-patient Coverage:

Maternity Coverage:

Outpatient Coverage:

Outpatient Radiology

Dental Insurance

Vision Insurance

Overseas

Psychiatric Cover

Fertility Benefits

Optional Coverages: Dental Insurance & Family Coverage