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the 'we plan'
the 'we plan' has been designed specifically for couples and families of all shapes and sizes with great unique benefits and tiered pricing for kids to allow you to take greater control of your family's health needs. You can also opt for day-to-day cover for your everyday medical expenses. |
| Hospital costs | Level 3 |
| Adult premium | €895.00 |
| Government levy | €128.00 |
| 'we plan' annual premium plus levy | €1023.00 |
| 1st Child/student premium | €239.00 |
| Government levy | €42.40 |
| 'we plan' annual premium plus levy | €281.40 |
| 2nd & 3rd Child/student premium | €191.00 |
| Government Levy | €42.40 |
| 'we plan' annual premium plus levy | €233.40 |
| 4th & next Child/student premium | no premium |
| Government Levy | €42.40 |
| 'we plan' annual premium plus levy | €42.40 |
All prices include group discount and are net of tax relief at source at the standard rate, age related tax credits and are correct at the time of going to print August 09. Please note: Students/children must be dependants. Children must be under 18 at the date of last renewal. Students must be under 23 and in full-time education at the date of last renewal..
- Full cover in a private room in a private hospital
- Cover for neuro-surgery, cancer, chemotherapy, radiotherapy, orthopaedic and cardiac treatments
- Unique overseas cover giving you access to new or emerging surgical procedure abroad
- Comprehensive range of maternity benefits
- Comprehensive stress related and psychiatric benefits including access to St John of God hospital
- Great parent accompanying child grant
- Cover for a unique range of lifestyle benefits such as health screening and laser eye surgery
- 24-hour access to our nurse-on-call service
- Tiered pricing for your kids as well as students and apprentices up to 23 years
- Cover for out patient benefits including scans and consultant fees
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Here is the level of cover you will receive with 'we plan' Level 3. Remember you are fully covered for neuro-surgery, cancer, chemotherapy, radiotherapy, orthopaedic and cardiac treatments in the listed hospitals based on the level of cover you have chosen. You also have full cover for most Irish medical consultants as the majority of them are fully participating with Hibernian Aviva Health.
We've handy direct payment agreements with most of our hospitals which means you don't need to make a claim. For more details on the hospitals covered on your plan, please visit our health provider search. |
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On your 'we plan' Level 3 you're fully covered for hospital accommodation costs, consultant fees, diagnostic tests for cardiac care as well as procedures for treating heart conditions - including cardiac surgery, heart bypass, heart transplant, angioplasty, catheterisation, stenting, valve surgery and pacemakers. This includes full cover in high-tech hospitals for listed cardiac procedures. Following selected cardiac procedures, to help you recover, we will supply you with a home help assistant. We will contribute €100 a day to the cost of your home help for up to 3 days following a selected cardiac procedure. Your home help assistant will be supplied by an approved provider. For More Information on the great range of hospitals and treatment centres covered under your plan please visit the health provider search. |
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On your 'we plan' Level 3 you are covered for hospital costs, consultant fees, diagnostic tests, radiotherapy and chemotherapy for cancer care. For More Information on the great range of hospitals and treatment centres covered under your plan please visit the health provider search. Cancer Support Benefit This benefit is payable to members for accommodation costs incurred when travelling to receive in patient or day case chemotherapy or radiotherapy. Hibernian Aviva Health will contribute up to €100 per day up to a maximum of €1500 per calendar year. Dated eligible receipts on headed paper will be necessary to avail of this benefit. The member must be the person receiving chemotherapy or radiotherapy. |
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As well as great cover in Ireland you will also have cover for overseas treatment in two ways. If you're covered for a medically necessary surgical procedure in Ireland but for whatever reason want to have it carried out abroad...you can. We will be happy to cover you up to the amount that we would have paid for that procedure in Ireland. We also offer you further peace-of-mind by providing cover for you overseas for new or emerging surgical procedures that are medically necessary for you but not available at this time in Ireland. The amount of cover is equal to the nearest equivalent procedure cost in Ireland. |
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Having a baby should be a wonderful experience and the last thing you will want to worry about is the financial cost. Our 'we plan' Level 3 offers a comprehensive range of maternity benefits, giving you great peace-of-mind including the following excellent benefits:
Remember that you will be covered for your pre and post natal consultant and G.P. care up to €400 under the out patient cover - this is subject to the out patient excess. Hibernian Aviva Health welcomes your newborn with free cover until your next renewal. Just call us within 13 weeks of your baby's arrival for inclusion on your policy and no waiting or exclusion periods will apply. |
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Our brand new package of maternity benefits is simply unmatched. This fantastic range of exclusive benefits comes on top of what was already a superb maternity package. It’s this kind of forward thinking that marks us out as unique on the Irish market. Here’s a few different ways to help you take control:
Cord blood stem cell preservation
*In addition, to comply with Irish Legislation, Maternal Blood tests are required within 30 days leading up to birth and a minimum of 6 months after at a total cost of €330, which is in addition to the above costs. This brings the total cost to €2,780 (single/identical twins) and €4,740 (non identical twins). Waiting periods apply to some maternity benefits. For further information call Medicare Health & Living on 01 201 4900, email or visit www.medicare.ie. Post Natal Home Help Doula Services For more details on this service visit www.doulaireland.com (some services may not be available in all areas). 4D Scans
All you need to do is fill out a claim form on the day of your scan and send it and your receipt onto us. We’ll then send you a cheque for the relevant amount. For more details on this service visit Ultrasound Dimensions at www.ultrasounddimensions.ie or InnerVision Ultrasound at www.innervision.ie. Breastfeeding Consultancy To find a breastfeeding consultant in your area visit www.alcireland.ie or for More Information contact the Association of Lactation Consultants in Ireland at . To claim all you need to do is call us to register your claim and send your receipts into us at the end of your policy year along with your membership details. Partner Benefit Alternative and complementary practitioners To find a registered osteopathic practitioner visit www.osteopathy.ie and To find a certified baby massage instructor and classes in your area just visit www.babymassageireland.com. You pay for your visit on the day and make sure to keep your receipt. All you need to do is send it onto us and we’ll send you a cheque for the relevant amount. Member discounts
Maternity Benefits – For your growing family
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We know very well that it can be a hectic time following the birth of your child. Our innovative post natal home help service has been designed to give you as much time as possible to get back on your feet again. For 3 days following the birth of your baby, we will give you €100 per day towards the cost of a home help assistant who will take over the chores of cleaning and general housework. You and your baby can just settle back home and start getting to know each other! This is an alternative to Doula services. This benefit is subject to availibility in your area. Where the service cannot be provided we will give you €120 to allow you to avail of this service from another provider. |
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Yet another pioneering benefit offered by Hibernian Aviva Health to help you stay in control and enjoy an active and improved quality of life. Hibernian Aviva Health has an exclusive arrangement with Asthma Care Ireland giving our members the choice to overcome their asthma naturally, safely and minus the side effects. The Asthma Care Program involves an 8 hour course, spread out over 3 weekly sessions. It mainly concerns a unique breathing technique known as the Buteyko Method. Treatment is available in a choice of 7 different locations nationwide - Dublin, Cork, Limerick, Galway, Sligo, Athlone and Kilkenny.
To claim just keep your receipt, fill out the claim form at Asthma Care Ireland and send both of these with your membership details to us at Hibernian Aviva Health. We will send you a cheque once the claim has been processed. Remember to have your Hibernian Aviva Health membership card with you when booking. |
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With 'we plan' Level 3 you will receive:
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These innovative benefits are available to everyone with a 'we plan', no matter what level you're on. If your child is a Hibernian Aviva Health member and in hospital for more than 3 days at any one time, an allowance of up to €40 per day for up to 14 days can be claimed from Hibernian Aviva Health. This is to help you with accommodation or travel costs for the following 14 days while your child is in hospital. |
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Another amazing benefit for kids. Should your child need to convalesce at home after a stay in hospital exceeding 5 days you are entitled to a child home nursing allowance of up to €100 per day for up to 14 consecutive days. |
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We now cover a range of convalescent homes around the country, all registered with the Health Service Executive. Such a wide choice means you can choose the one most convenient to you. For your convalescence after a stay in hospital, we will give you €50 per day for up to 16 consecutive days. |
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We will supply a post operative home help (POHH) assistant following a major surgery for all members on Levels 3, 4 & 5. Hibernian Aviva Health will cover the cost of a domestic help from an approved provider for up to three days following selected long stay cardiac or special procedures which are on our list of POHH procedures. For details of the list, please call 1850 717 717. |
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You'll have access to our dynamic team of qualified nurses by phone for non-emergency medical information - 24 hours a day, 365 days a year. You can speak to our nurses on a wide range of issues such as children's health symptoms, drug interactions and pregnancy. You can discuss your family's symptoms and worries and you will receive comprehensive information to help you cope. Please remember that this is not an emergency service and will not provide diagnostic information or prescribe treatment. |
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Hibernian Aviva Health offers the most comprehensive cover for scans available on the market - PET, MRI & CT (including virtual colonoscopies) and you're covered in full as an in patient for scans in approved centres. This wide choice for non-invasive scan treatments gives our members the freedom to choose a centre that is most convenient to them. We've direct settlement agreements with more centres than any other health insurer including:
We've direct payment agreements with all of our approved scan centres which means you don't need to make a claim. For more details on the scan centres covered in your plan, please visit our health provider search. |
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Out patient benefits includes cover for medical expenses such as visits to hospital, consultant fees and scans when attending as an out patient.
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Your 'we plan' level 3 covers you and your family for out patient costs. These are medical expenses that you pay for yourself when attending your consultant or hospital as an out patient when you're not actually undergoing a stay in hospital. They include cover for out patient consultant visits, radiology and pathology procedures.
*U Mamma therapies and classes qualify for the pre and post natal benefit scheme. Another plus is the fact that the €250 out patient excess on the 'we plan' can be shared across the whole family, which means that you will receive a greater refund at the end of the year. Remember to keep all of your out patient receipts and then claim at the end of your policy year. When you make the claim, we'll deduct the €250 excess and pay you the rest without delay. Here is an example of how to calculate your excess. |
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Having discussed the treatments available to cancer sufferers with health care professionals we've identified another benefit we can offer. In recognition of the stress cancer treatment can cause, Hibernian Aviva Health will now contribute €40 per visit towards the cost of 5 visits to a psycho-oncologist following chemotherapy to assist recovery. This benefit will be available under our out patient benefits. As such it will be subject to the out patient excess. The sessions must be conducted by a psychologist who is either a member of the Irish Association of Counselling and Psychotherapy or the Psychological Society of Ireland. |
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At Hibernian Aviva Health we recognise the benefit of lymph drainage and the relief that it can bring to some cancer sufferers - in particular where there is a build-up of fluid following treatment. As part of our out patient benefits, we are now offering €40 per visit towards the cost of up to 5 visits when it is for treatment of the following conditions:
This benefit will be available under our out patient benefits. As such it will be subject to the out patient excess. |
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We don't just cover you when you're sick. If you want to actively improve your health we will help you achieve your goal. Hibernian Aviva Health is the only health insurer to cover this great range of unique lifestyle benefits.
These unique benefits are not subject to any waiting periods - so once you join Hibernian Aviva Health you can book your initial consultation straight away.
You can claim money back on:
- Health screening
- Laser Eye Surgery
- Teeth whitening
- Stop Smoking programmes
- Free gym membership for kids
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At Hibernian Aviva Health we're very keen on health screening to help you take greater control of your own health. Knowledge is power and most health problems can be prevented with a little advanced knowledge. That is why we have developed some new benefits and a few different ways of letting you take control, depending on your needs:
 Online health checkDo our free online health check, which takes about 5 minutes, to get a snap shot of your health today and see how you compare to others of the same age, gender and race as you. With our online health check you will find out how your body mass Index, family health history, blood pressure and cholesterol levels can affect your risk of future ill health, heart disease and stroke. You will also find out the about the next steps you should take to get greater control of your own health Click here to start the online health check  Health checks at a McCabes pharmacy near you!Hibernian Aviva Health has partnered with McCabes pharmacies to provide discounted pharmacy health checks to our members. McCabe’s Pharmacy is Ireland's number one pharmacy group, wholly Irish owned, with pharmacies nationwide. They are dedicated to giving the most accurate advice and solutions for your healthcare needs. They offer the following tests and services:
As a Hibernian Aviva Health member you can avail of a 25% discount on the tests above. All you have to do is show your Hibernian Aviva Health membership card in any of the following McCabes pharmacies to avail of the discount. McCabes chemists are located in: Co Dublin
We are constantly expanding our pharmacy network so why not check back here for new additions near you. Back to top GP Practice Health Screening with EHAHibernian Aviva Health can now get a health screen in GP practices in conjunction with our new provider EHA. Health screening can play an important role in managing your health so we are delighted to give you greater control over your health by introducing an annual health screen as part of your plan. A health screen will assess your risk of developing cardiac problems by checking your body mass index and testing your cholesterol levels and blood pressure. It will also assess your kidney, liver and lung functions as well as provide you with advice on cancer awareness, diet and weight management, stress management and osteoporosis prevention. Whether you need an NCT or a full service will depend on your age and general state of health, the staff at the screening centre will be able to advise you on the best type of health screen for you. For More Information on the types of tests available, how they are carried out and how to understand the results please visit After your health screen you will have a health and lifestyle consultation to discuss your health, follow up on any recommendations and to develop a plan for staying healthy and in control of your health in the future. Here are the options available with EHA:
How to book a health screen with EHAEHA have six locations nationwide giving our customers a wider choice around the country. Just call the individual centre directly and book a time that is convenient to you. The centres are:
How to claim for your health screenWhen you have your health screen you will be provided with a claim form. All you have to do is complete it and send it to us with your receipt. We will send you a check for the amount due. Health screens are also covered on our day-to-day a and day-today 50 plans too. So if you have a day-to-day plan which includes a health screen, we will add this amount to the above benefit and it will be included in your cheque. Couldn't be easier. More InformationVisit Going to the health screen centre for More Information on how to prepare and what to bring and Health Screens - The Tests for information on each test  In clinic health screens with Charter Medical GroupHibernian Aviva Health members can now avail of an in clinic health screen with Charter medical group. Health screening can play an important role in managing your health so we are delighted to give you greater control over your health by introducing an annual health screen as part of your plan A health screen will assess your risk of developing cardiac problems by checking your body mass index and testing your cholesterol levels and blood pressure. It will also assess your kidney, liver and lung functions as well as provide you with advice on cancer awareness, diet and weight management, stress management and osteoporosis prevention. Whether you need an NCT or a full service will depend on your age and general state of health, the staff at the screening centre will be able to advise you on the best type of health screen for you. For More Information on the types of tests available, how they are carried out and how to understand the results please visit After your health screen you will have a health and lifestyle consultation to discuss your health, follow up on any recommendations and to develop a plan for staying healthy and in control of your health in the future. Your health screen with Charter Medical Group can also include a DEXA scan. A DEXA scan is the standard measure for bone mineral density and is most often used to diagnose osteoporosis, a condition that affects women after menopause but may also be found in men. We would recommend that you include the additional cervical smear or PSA where advised. Here are the options available with Charter Medical Group:
Back to top To book a health screen with Charter Medical Group:Charter Medical Group is based in Smithfield, Dublin 7. To book your health screen with Charter Medical Group call 01 6579000 or email: For More Information on Charter Medical Group visit www.chartermedical.ie. How to claim for your health screenWhen you have your health screen you will be provided with a claim form. All you have to do is complete it and send it to us with your receipt. We will send you a check for the amount due. Health screens are also covered on our day-to-day a and day-today 50 plans too. So if you have a day -to-day plan which includes a health screen, we will add this amount to the above benefit and it will be included in your cheque. Couldn't be easier. More InformationVisit Going to the health screen centre for More Information on how to prepare and what to bring and Health Screens - The Tests for information on each test. Back to top |
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Hibernian Aviva Health is the only health insurer in Ireland to offer this pioneering benefit. We believe prevention is better than cure and that's why we've arranged with Point Of Care Health Services to provide Cervical Cancer Vaccinations to Hibernian Aviva Health members at a discounted rate. The normal price is €499 but Hibernian Aviva Health will contribute €150 towards the cost of the vaccination.
The cost is tax deductible. You can claim some of it back on a Form MED 1, which is available on the Revenue website: Download med 1 form More InformationGoing to the Cervical Vaccination centre |
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Another great benefit included in your plan is laser eye surgery. Optical Express is one of the leading technological innovators in the world offering both LASIK and LASEK treatments. Optical Express continuously invest in the most sophisticated laser eye surgery technology and are committed to providing the highest levels of patient care. |
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Your plan covers you for a variety of treatments at Smiles Clinics and Town Dental Clinics so you can choose whichever suits you best and get that beautiful white smile you’ve always wanted. For More Information on Smiles visit www.smiles.ie or www.towndental.ie Please see the table below for treatments covered:
There are no waiting periods so you can book in as soon as you join. To access this benefit simply book an appointment with one of the clinics below.
Town Dental Clinics are located at:
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As part of our commitment to providing you with all of the benefits you need to maintain a healthy lifestyle, Hibernian Aviva Health is delighted to be the first and only health insurer to offer you access to the Allen Carr Easyway to Stop Smoking programme. Allen Carr's Easyway to Stop Smoking Clinics are held in a 5-hour group session with a fully qualified therapist. By the end of this session, you will have all the information you need to make a clean break from smoking. The cost of the clinic is €320 and we will now give you 33% back. You can book your session straight away - no waiting periods apply to this benefit. To register for an Easyway session Locall 1890 379 929. For More Information on the Easyway method log on to www.allencarr.ie where you will also be able to see upcoming dates for clinics in your area. |
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Hibernian Aviva Health offers you, as part of your plan, free gym membership for your children at Jackie Skelly Fitness Centres. You can take advantage of this exclusive benefit by joining or renewing membership of any Jackie Skelly Fitness Centre. Every adult member who joins or renews can add one child free to their gym membership. Children must be aged between three and fifteen and be included on your Hibernian Aviva Health policy. Contact a Jackie Skelly Fitness Centre near you: Parkwest, Clondalkin - 01 6301456 |
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You can also control your family's everyday medical expenses like G.P., physiotherapist and dentist visits, as well as visits to a wide range of alternative therapists. We've 2 levels of day-to-day cover:
- day-to-day a
- day-to-day 50
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If you tend not to spend a lot on day-to-day medical costs, then this is the plan to consider. We will give you back €30 for each of 3 visits per family member to the G.P., the dentist and the physiotherapist, as well as a contribution to a health screen, eye test and speech and language therapist. You are also covered for the wide range of day-to-day practitioners such as visits a dietitian if you or your kids need advice on nutrition. Children qualify for all of the above benefits and they also have additional cover of €30 per visit for 3 child counselling sessions and 3 speech and language therapy sessions. Our day-to-day a plan gives you money back on all of the following benefits:
To maximise the value you get from this plan, your family can pool your benefits, i.e. you can add together all your G.P. visits and they can be used by whoever in your family needs them. No excess applies to this cover. No extra benefits accrue for any free fourth and subsequent child. day-to-day practitioners covered
How to claim for day-to-day medical expenses:
Annual adult day-to-day a premium: €122 with any hospital plan (€143 stand-alone) Annual child/student premium: €61 with any hospital plan (€72.00 stand-alone) Prices are net of tax relief at the standard rate and include 10% discount. Prices are correct at time of publication October 2008 |
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If you tend to be more regular visitors to the surgery, then you should opt for this plan. We'll give you back 50% of your costs. This means you get up to 50% off an extensive range of your day-to-day medical expenses such as G.P., dentist and physiotherapy visits - without any excess. We will also give you up to 50% back on the cost of a health screen. And for the first time in the health insurance market, we will give you money back on prescriptions. Another plus is that this plan gives you a contribution to some out patient benefits that you would normally have to pay an excess on, including consultant fees, radiology and pathology tests, and pre/post natal consultant visits. Just keep all your receipts and claim at the end of your policy year. Our day-to-day 50 plan gives you 50% back on all of the following benefits:
To maximise the value you can get from this plan, your family can pool your benefits, i.e., you can add together all your G.P., Physiotherapist and Dentist visits and they can be used by whoever in your family need them. No excess applies to this cover. No extra benefits accrue for any free fourth and subsequent child.
How to claim for day-to-day medical expenses:
Annual adult day-to-day 50 premium: €199.00 with any hospital plan (€234.00 stand-alone) Annual child/student day-to-day 50 premium: €86 with any hospital plan (€101.00 stand-alone) Prices are net of tax relief at the standard rate and include 10% discount. Prices are correct at time of publication October 2008. |
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You can also control your family's everyday medical expenses like G.P., physiotherapist and dentist visits, as well as visits to a wide range of alternative therapists. We've 2 levels of day-to-day cover:
- day-to-day a
- day-to-day 50
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If you tend not to spend a lot on day-to-day medical costs, then this is the plan to consider. We will give you back €30 for each of 3 visits per family member to the G.P., the dentist and the physiotherapist, as well as a contribution to a health screen, eye test and speech and language therapist. You are also covered for the wide range of day-to-day practitioners such as visits a dietitian if you or your kids need advice on nutrition. Children qualify for all of the above benefits and they also have additional cover of €30 per visit for 3 child counselling sessions and 3 speech and language therapy sessions. Our day-to-day a plan gives you money back on all of the following benefits:
To maximise the value you get from this plan, your family can pool your benefits, i.e. you can add together all your G.P. visits and they can be used by whoever in your family needs them. No excess applies to this cover. No extra benefits accrue for any free fourth and subsequent child. day-to-day practitioners covered
How to claim for day-to-day medical expenses:
Annual adult day-to-day a premium: €122 with any hospital plan (€143 stand-alone) Annual child/student premium: €61 with any hospital plan (€72.00 stand-alone) Prices are net of tax relief at the standard rate and include 10% discount. Prices are correct at time of publication October 2008 |
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If you tend to be more regular visitors to the surgery, then you should opt for this plan. We'll give you back 50% of your costs. This means you get up to 50% off an extensive range of your day-to-day medical expenses such as G.P., dentist and physiotherapy visits - without any excess. We will also give you up to 50% back on the cost of a health screen. And for the first time in the health insurance market, we will give you money back on prescriptions. Another plus is that this plan gives you a contribution to some out patient benefits that you would normally have to pay an excess on, including consultant fees, radiology and pathology tests, and pre/post natal consultant visits. Just keep all your receipts and claim at the end of your policy year. Our day-to-day 50 plan gives you 50% back on all of the following benefits:
To maximise the value you can get from this plan, your family can pool your benefits, i.e., you can add together all your G.P., Physiotherapist and Dentist visits and they can be used by whoever in your family need them. No excess applies to this cover. No extra benefits accrue for any free fourth and subsequent child. day-to-day practitioners covered
How to claim for day-to-day medical expenses:
Annual adult day-to-day 50 premium: €199.00 with any hospital plan (€234.00 stand-alone) Annual child/student day-to-day 50 premium: €86.00 with any hospital plan (€101.00 stand-alone) Prices are net of tax relief at the standard rate and include 10% discount. Prices are correct at time of publication October 2008. |
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