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The Everyday Single Cover Health Plan

HSF health plan’s One Scheme has been specially designed for individuals who wish to claim up to a 100% cash refund on many of their healthcare expenses. Dental, Optical, Physiotherapy, Specialist Consultations and a number of complementary treatments are included, and we also pay generous grants for General Practitioner visits and Prescription charges.

Flexible Benefits

By combining different types of treatment into one benefit we can offer even greater flexibility. Take for example, our Dental and Optical category which is two benefits in one. Depending upon which scheme you decide to join, HSF health plan gives you a maximum grant which you can spend freely between the two benefits. This way if one year you need to spend more at the optician than at the dentist, you can.

One Scheme choices

We offer 4 different schemes from which to choose ranging from only €14.30 to €57.20 a month. All you have to do is select the one which best suits your needs.

All of our schemes include HSF Assist and our telephone helplines: Medical Information Helpline, Stress Counselling Helpline, Legal Helpline and our GP Advice Line.

Cover under this plan is subject to medical underwriting. For full details, please download the Terms & Conditions.

ONE Scheme Benefits

Benefit summary

Scheme OS1

€14.30 a month

Scheme OS2

€28.60 a month

Scheme OS3

€42.90 a month

Scheme OS4

€57.20 a month

Dental and Optical
i

Dental and Optical     

Help towards the cost of all dental treatment including check-ups, and the cost of a sight test and optical appliances, up to the maximum shown. This benefit may be used flexibly according to requirements for both categories. It is payable in any 12 consecutive calendar months. The cost of Eye Laser Treatment, Implantable Contact Lenses (to correct long or short sightedness) and assessments may be claimed from Scheme OS2 and above. Claims for this particular treatment can only be accepted at least 6 months after the policy start date. 

Dental Trauma    

For details on Dental Trauma, please refer to the Personal Accident Section.

€125

€300

€450

€600

Dental Trauma

€500

€750

€1,125

€1,500

General Practitioner
i

General Practitioner, Prescription and Emergency Department  

An amount payable towards the cost of a visit to a General Practitioner (Family Doctor), a prescription from a General Practitioner or an attendance at an Accident and Emergency Department in a public or private hospital. Limited to 12 payments in any 12 consecutive calendar months. 

The maximum repaid per visit / prescription is as shown or actual charges if less. You can also use the GP Advice Line service which is available 24 hours a day, 365 days a year. 

€8

€15

€20

€25

Practitioner
i

Practitioner: Physiotherapy, Physical Therapy, Osteopathy, Chiropractic  

Help towards the cost of consultation and treatment (not including medication or appliances) by a qualified and registered practitioner in the categories above up to the maximum shown. This benefit may be used flexibly according to requirements for all categories. Payable in any 12 consecutive calendar months. 

€100

€200

€300

€400

Wellbeing & Alternative Treatments
i

Wellbeing & Alternative Treatments: Acupuncture, Homoeopathy, Chiropody/Podiatry  

Help towards the cost of consultation and treatment (not including medication or appliances) by a qualified and registered practitioner in the categories above up to the maximum shown. This benefit may be used flexibly according to requirements for all categories. Payable in any 12 consecutive calendar months. 

€100

€200

€300

€400

Consultations
i

Consultations  

Help towards the cost of specialists’ consultation fees listed in the rules, all undertaken on an outpatient basis, up to the maximum shown. Payable between all eligible registered persons in any 12 consecutive calendar months. 

€130

€250

€370

€490

Medical Tests
i

Medical Tests 

Help towards the cost of medical tests including, initial allergy testing, vaccination, health screening, pathology tests, x-rays, scans, electrocardiograms and other investigations listed in the rules, all undertaken on an outpatient basis, up to the maximum shown. Payable between all eligible registered persons in any 12 consecutive calendar months. 

€80

€160

€240

€320

Birth Grant / Adoption Grant
i

Birth and Adoption Grant 

Payable to the policyholder, whether the mother or father of the baby, for each registered birth in hospital or at home. Hospital benefit is payable for the mother (if the policyholder) in addition to the grant from the sixth night onwards. The grant is also payable for a registered adoption up to the age of 10. 

Claims for this benefit can only be accepted at least 10 months after the policy start date. 

€200

€400

€600

€800

Day Case Surgery and Treatment
i

Day Case Surgery and Treatment 

For a planned admission to occupy a bed for a day in a public or private hospital to undergo surgery, treatment or a procedure. Limited to 8 occasions within any 12 consecutive calendar months. 

All amounts shown are per day. 

€25

€50

€75

€100

Hospital
i

Hospital 

General and Hospice: For an inpatient admission to a hospital or hospice to receive medical treatment. Payable for up to 40 nights in any 12 consecutive calendar months. 

Accident: For an inpatient admission to a hospital immediately following an accident. Payable for up to 40 nights in any 12 consecutive calendar months. (See page 15 for full details). No waiting period, if an Accident admission. 

Elderly and Mental Illness: For an inpatient admission to a hospital for elderly medical care / long stay / rehabilitation / respite or for a mental illness. Payable for up to 50 nights elderly and 50 nights mental illness from first registration, but not for more than 40 nights in a 12 month period.

All amounts shown are per night. 

€25

€50

€75

€100

Recuperation
i

Recuperation  

Following each stay in a hospital or hospice for which benefit has been paid for a minimum of 10 nights, a recuperation grant is payable.

€85

€170

€250

€330

Personal Accident
i

Personal Accident Benefit

All claims must be submitted within 6 months of the accident occuring.

If an accident results in Permanent Disability or death the financial consequences can be enormous. Even less serious injuries can result in a lengthy period off work or confinement to the house. Whilst you may be able to cope in the short term, a longer period of disability can put severe pressure on your finances.

Lump sum cash payments (shown opposite) when they are needed most could ease the financial burden. Policyholders and dependent children are covered 24 hours a day, every day of the year, whether at work, at home or at play.

Permanent Disability: A lump sum cash benefit depending upon the type and degree of Permanent Disability following an Accident.

Facial Disfigurement: A lump sum payment for Permanent facial disfigurement as a result of an accident.

Accidental Death: A lump sum payment if the Accident is fatal

Dental Trauma: A lump sum payment for dental treatment required as a direct result of a blow to the head.

Temporary Disability: (not applicable to children under 16 years of age) A weekly sum payable (normally by direct credit, monthly in arrears) if following an Accident, you are:
a) unable to take up your normal paid occupation or any other paid employment; or
b) confined to the home (applicable only if you are not in paid employment at the time of the Accident) as certified by a qualified medical practitioner. Payable from the 31st day of your disability for up to 52 weeks. Odd days will be paid at 1 ⁄ 7 of the weekly rate.

Although there is no waiting period under this section, the Temporary Disability benefit is not payable for the first 30 days (Deferment Period) of each period of temporary disablement. 

Fracture Benefits: A lump sum payment for a fracture or fractures to one or more bones of the arm or leg following an Accident. 

Permanent Disability

€10,000

€15,000

€22,500

€30,000

Accidental Death

€5,000

€7,500

€11,250

€15,000

HSF Assist

GP Advice Line, Virtual Doctor, Prescription Services, Counselling Service, Medical Information and Legal Advice.

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