The Essential Starter scheme is our lowest cost scheme and offers a wide range of benefits including hospital cover, overseas cover, cancer care, convalescence and EU cover.

Quote me for this Scheme

Please note that if you are taking out health insurance for the first time, while you will have immediate cover if you have an accident, waiting periods will need to be served before you can avail of full cover.

If you are transferring from another health insurer and have already served these waiting periods then you will not have to serve them again.

Hospital Cover

Members of the Essential Starter scheme are covered for a semi-private room in a public hospital. To find the hospitals covered by the Essential Starter scheme please click here to view the hospital list.

Out-patient Benefits

Out-patient costs refer to medical expenses that you pay yourself on a day-to-day basis, such as GP fees, visits to consultants or fees for physiotherapy.

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Overseas Cover

Members of the Essential Starter scheme are entitled to emergency overseas cover. If you have an accident and need inpatient treatment while abroad you will be covered for emergency local treatment up to the value of €55,000 per episode.
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