Free €200 Holiday Voucher with your Health Insurance!
Free €200 Holiday Voucher with your Health Insurance!
Free €200 Holiday Voucher with your Health Insurance!
Enjoy sun, sea, and savings when you purchase a health insurance policy with its4women. Smart cover, sweet reward!
Enjoy sun, sea, and savings when you purchase a health insurance policy with its4women. Smart cover, sweet reward!
Enjoy sun, sea, and savings when you purchase a health insurance policy with its4women. Smart cover, sweet reward!
*Based on April 2022 figures 71% of new business customers could have received free car insurance if 10 referred friends purchased a new business policy. Prices subject to minimum premiums. Reward Credits amounts can vary. Terms and Conditions apply
5% discount on Irish Life Health MyPlan range, Benefit Plan, 4D Health range and HealthGuide range, excluding HealthGuide 4 policies starting 1st May 2025 until 30th June 2025. New ROI customers only. *€200 holiday voucher promotion for eligible customers who purchase a health insurance policy with its4women and pass the qualifying period of 45 days. Promotion ends 31st July 2025.
5% discount on Irish Life Health MyPlan range, Benefit Plan, 4D Health range and HealthGuide range, excluding HealthGuide 4 policies starting 1st May 2025 until 30th June 2025. New ROI customers only. *€200 holiday voucher promotion for eligible customers who purchase a health insurance policy with its4women and pass the qualifying period of 45 days. Promotion ends 31st July 2025.
5% discount on Irish Life Health MyPlan range, Benefit Plan, 4D Health range and HealthGuide range, excluding HealthGuide 4 policies starting 1st May 2025 until 30th June 2025. New ROI customers only. *€200 holiday voucher promotion for eligible customers who purchase a health insurance policy with its4women and pass the qualifying period of 45 days. Promotion ends 31st July 2025.
Excellent service, a quote no other company could match. I would encourage everyone to join.
Tracy O'Boyle
I found its4women very easy to use website and excellent value. Would strongly recommend them.
Catherine Keenan
I was given the best price of any company for my car insurance, and I got a lot of quotes!
Margaret Riordan
Top benefits of health insurance through its4women
Top benefits of health insurance through its4women
Maternity Benefits
Maternity Benefits
Cover includes contributions toward antenatal classes, 3D/4D scans, and postnatal support.
Cover includes contributions toward antenatal classes, 3D/4D scans,
and postnatal support.
Get a Quote
Get a Quote
Fertility Benefits
Fertility Benefits
Cover towards IUI, ISCI and IVF treatments, along with cover for essential fertility assessments.
Cover towards IUI, ISCI and IVF treatments, along with cover for essential fertility assessments.
Get a Quote
Get a Quote
Menopause Benefits
Menopause Benefits
Members can access menopause specialists and receive cover for pelvic health physiotherapy*.
Members can access menopause specialists and receive cover for pelvic health physiotherapy*.
Get a Quote
Get a Quote
Female Consultation
Female Consultation
Direct access to in-depth video consultations with GPs who are specialists in female health.
Get a Quote
Get a Quote
Don't just take our word for it - hear it straight from the women who've experienced the benefits for themselves!
What else can you get cover for
What else can you get cover for
Depending on the type of cover selected you get access to:
Depending on the type of cover selected you get access to:
Female Health Consultation
Speak to expert female health GPs about menopause, fertility, menstrual health, contraception and more.
Digital Doctor
Get unlimited fast access to Doctor’s advice and prescriptions via chat, phone or video.
Healthy Minds
Get access to independent professional counselling. Because we all need a healthy mind as well as a healthy body.
Cancer Care
Getting a cancer diagnosis can mark the beginning of a difficult path. However, no matter what comes next, our health insurance partner Irish Life Health is committed to supporting and guiding you throughout your journey.
Female Health Consultation
Speak to expert female health GPs about menopause, fertility, menstrual health, contraception and more.
Healthy Minds
Get access to independent professional counselling. Because we all need a healthy mind as well as a healthy body.
Digital Doctor
Get unlimited fast access to Doctor’s advice and prescriptions via chat, phone or video.
Cancer Care
Getting a cancer diagnosis can mark the beginning of a difficult path. However, no matter what comes next, our health insurance partner Irish Life Health is committed to supporting and guiding you throughout your journey.
Members Benefits
These benefits are available on all hospital plans.
4D Maternity
Scanes
Allen Carr Stop Smoking
Health
Screening
Asthma Care Programme
International Second Opinion Service
Back-Up
Health In The
Home
Minor Injury
Clinic
Maternity
Benefits
Laser Eye
Surgery
Full policy terms and conditions can be found in the Irish Life Health Membership Handbook
Need more information?
Need more information?
Find your answer among some of the common questions our customers have:
Find your answer among some of the common questions our customers have:
When looking at different health insurance plans, what should I look out for?
This will depend on whether you are new to private health insurance, or if you currently have a policy and you are shopping around for a better deal!
If you already have health insurance, it is important to make sure that you are comparing plans that offer at least the same level of cover as your current plan. If you change your level of cover, this may impact the need to serve additional waiting periods (see below). The main areas you should review when comparing plans include the choice of private hospitals offered and the level of cover for the list of procedures/ care provided. These two factors are likely to be the main driving force behind the premium level you can expect to pay.
When looking at different health insurance plans, what should I look out for?
This will depend on whether you are new to private health insurance, or if you currently have a policy and you are shopping around for a better deal!
If you already have health insurance, it is important to make sure that you are comparing plans that offer at least the same level of cover as your current plan. If you change your level of cover, this may impact the need to serve additional waiting periods (see below). The main areas you should review when comparing plans include the choice of private hospitals offered and the level of cover for the list of procedures/ care provided. These two factors are likely to be the main driving force behind the premium level you can expect to pay.
When looking at different health insurance plans, what should I look out for?
This will depend on whether you are new to private health insurance, or if you currently have a policy and you are shopping around for a better deal!
If you already have health insurance, it is important to make sure that you are comparing plans that offer at least the same level of cover as your current plan. If you change your level of cover, this may impact the need to serve additional waiting periods (see below). The main areas you should review when comparing plans include the choice of private hospitals offered and the level of cover for the list of procedures/ care provided. These two factors are likely to be the main driving force behind the premium level you can expect to pay.
Can I claim from my health insurance plan if I have just taken out a policy for the first time?
There are lots of outpatient benefits that you can access immediately, please contact Irish Health for the full list. Unfortunately you don’t have access to inpatient benefits immediately. Anyone who is new to private health insurance will need to serve waiting periods. There are three waiting periods applicable to first time health insurance holders: initial, pre-existing & maternity.
· Initial Waiting Period – a new policyholder cannot access the policy cover for the first 26 weeks from the policy start date for any medical care needs, with the exception of treatment resulting from an accident or injury.
· Pre-existing Waiting Period – if you have any pre-existing conditions where there were signs or symptoms of conditions existed at any time in the six months before you took out health insurance the policy will not cover the cost of treatment for these conditions for a period of 5 years from the policy start date.
· Maternity Waiting Period – you cannot access inpatient maternity benefits including home births, egg freezing, sperm freezing and fertility benefits including IVF, ICSI, IUI for the first 52 weeks from the policy start date.
Can I claim from my health insurance plan if I have just taken out a policy for the first time?
There are lots of outpatient benefits that you can access immediately, please contact Irish Health for the full list. Unfortunately you don’t have access to inpatient benefits immediately. Anyone who is new to private health insurance will need to serve waiting periods. There are three waiting periods applicable to first time health insurance holders: initial, pre-existing & maternity.
· Initial Waiting Period – a new policyholder cannot access the policy cover for the first 26 weeks from the policy start date for any medical care needs, with the exception of treatment resulting from an accident or injury.
· Pre-existing Waiting Period – if you have any pre-existing conditions where there were signs or symptoms of conditions existed at any time in the six months before you took out health insurance the policy will not cover the cost of treatment for these conditions for a period of 5 years from the policy start date.
· Maternity Waiting Period – you cannot access inpatient maternity benefits including home births, egg freezing, sperm freezing and fertility benefits including IVF, ICSI, IUI for the first 52 weeks from the policy start date.
Can I claim from my health insurance plan if I have just taken out a policy for the first time?
There are lots of outpatient benefits that you can access immediately, please contact Irish Health for the full list. Unfortunately you don’t have access to inpatient benefits immediately. Anyone who is new to private health insurance will need to serve waiting periods. There are three waiting periods applicable to first time health insurance holders: initial, pre-existing & maternity.
· Initial Waiting Period – a new policyholder cannot access the policy cover for the first 26 weeks from the policy start date for any medical care needs, with the exception of treatment resulting from an accident or injury.
· Pre-existing Waiting Period – if you have any pre-existing conditions where there were signs or symptoms of conditions existed at any time in the six months before you took out health insurance the policy will not cover the cost of treatment for these conditions for a period of 5 years from the policy start date.
· Maternity Waiting Period – you cannot access inpatient maternity benefits including home births, egg freezing, sperm freezing and fertility benefits including IVF, ICSI, IUI for the first 52 weeks from the policy start date.
Do I have to serve waiting periods if I transfer my health insurance from one provider to another?
This depends on a number of factors. The first relates to whether your new policy has lesser, equal, or higher benefit cover than your previous plan. If the cover is equal or lesser than your previous plan, and you have served the outlined waiting periods above, then no further waiting period must be served on your new plan. If the cover on your new plan is greater than your previous benefit cover, or you have not served the above outlined waiting periods before transferring provider, then it is likely that upgrade waiting periods may apply. Your advisor can confirm this for you, prior to changing your policy or provider.
Do I have to serve waiting periods if I transfer my health insurance from one provider to another?
This depends on a number of factors. The first relates to whether your new policy has lesser, equal, or higher benefit cover than your previous plan. If the cover is equal or lesser than your previous plan, and you have served the outlined waiting periods above, then no further waiting period must be served on your new plan. If the cover on your new plan is greater than your previous benefit cover, or you have not served the above outlined waiting periods before transferring provider, then it is likely that upgrade waiting periods may apply. Your advisor can confirm this for you, prior to changing your policy or provider.
Do I have to serve waiting periods if I transfer my health insurance from one provider to another?
This depends on a number of factors. The first relates to whether your new policy has lesser, equal, or higher benefit cover than your previous plan. If the cover is equal or lesser than your previous plan, and you have served the outlined waiting periods above, then no further waiting period must be served on your new plan. If the cover on your new plan is greater than your previous benefit cover, or you have not served the above outlined waiting periods before transferring provider, then it is likely that upgrade waiting periods may apply. Your advisor can confirm this for you, prior to changing your policy or provider.
What are some of the day-to-day benefits of having health insurance with Irish Life Health?
Many of the health insurance plans, incorporating ‘day-to-day’ medical expense cover with Irish Life Health, offer at least a portion of GP and consultant costs back to you, along with a host of other day-to-day benefits, such as money back on dentist, physiotherapist and speech and language therapy. In addition, all Irish Life Health hospital plans come with the following, as standard, regardless of plan level:
· Digital Doctor – With Digital Doctor you get unlimited consultations with an Irish based GP, by phone or video and prescriptions can be sent to your local pharmacy during your consultation with the Irish Life Health Digital Doctor benefit.
· Back Up – Expert physios are on hand to help get you back on track, providing expert advice and treatment for acute neck, back & spine pain with Back Up.
· Female health consultation – Irish Life Health is the first health insurer to give member’s access to specialist female health GPs for in-depth video or phone consultations from anywhere. The GPs, who have specialist interest and experience in female health, will give you support and advice in the areas of menstrual health, fertility, contraception, menopause and much more.
**Terms and conditions apply for Digital Doctor, Back-Up, Female health consultations and other benefits from Irish Life Health. Please check the Irish Life Health Table of Cover and Membership Handbook for exact details or visit irishlifehealth.ie**
What are some of the day-to-day benefits of having health insurance with Irish Life Health?
Many of the health insurance plans, incorporating ‘day-to-day’ medical expense cover with Irish Life Health, offer at least a portion of GP and consultant costs back to you, along with a host of other day-to-day benefits, such as money back on dentist, physiotherapist and speech and language therapy. In addition, all Irish Life Health hospital plans come with the following, as standard, regardless of plan level:
· Digital Doctor – With Digital Doctor you get unlimited consultations with an Irish based GP, by phone or video and prescriptions can be sent to your local pharmacy during your consultation with the Irish Life Health Digital Doctor benefit.
· Back Up – Expert physios are on hand to help get you back on track, providing expert advice and treatment for acute neck, back & spine pain with Back Up.
· Female health consultation – Irish Life Health is the first health insurer to give member’s access to specialist female health GPs for in-depth video or phone consultations from anywhere. The GPs, who have specialist interest and experience in female health, will give you support and advice in the areas of menstrual health, fertility, contraception, menopause and much more.
**Terms and conditions apply for Digital Doctor, Back-Up, Female health consultations and other benefits from Irish Life Health. Please check the Irish Life Health Table of Cover and Membership Handbook for exact details or visit irishlifehealth.ie**
What are some of the day-to-day benefits of having health insurance with Irish Life Health?
Many of the health insurance plans, incorporating ‘day-to-day’ medical expense cover with Irish Life Health, offer at least a portion of GP and consultant costs back to you, along with a host of other day-to-day benefits, such as money back on dentist, physiotherapist and speech and language therapy. In addition, all Irish Life Health hospital plans come with the following, as standard, regardless of plan level:
· Digital Doctor – With Digital Doctor you get unlimited consultations with an Irish based GP, by phone or video and prescriptions can be sent to your local pharmacy during your consultation with the Irish Life Health Digital Doctor benefit.
· Back Up – Expert physios are on hand to help get you back on track, providing expert advice and treatment for acute neck, back & spine pain with Back Up.
· Female health consultation – Irish Life Health is the first health insurer to give member’s access to specialist female health GPs for in-depth video or phone consultations from anywhere. The GPs, who have specialist interest and experience in female health, will give you support and advice in the areas of menstrual health, fertility, contraception, menopause and much more.
**Terms and conditions apply for Digital Doctor, Back-Up, Female health consultations and other benefits from Irish Life Health. Please check the Irish Life Health Table of Cover and Membership Handbook for exact details or visit irishlifehealth.ie**
If I need surgery, will I have to pay for this or will it be covered?
For the most part, you will have to pay an excess towards your admission and the remainder of the cost will be covered under the policy, once we can confirm that the consultant is fully participating with Irish Life Health, the hospital is listed on your plan and the procedure is approved by Irish Life Health. However, if you have made changes to your policy recently, there may be a waiting period which may restrict your cover in specific hospitals or cause you to have an increased excess. Excess amounts and waiting periods can be confirmed by checking your Table of Cover and Irish Life Health Membership handbook. Your advisor will also be able to help confirm this information.
If I need surgery, will I have to pay for this or will it be covered?
For the most part, you will have to pay an excess towards your admission and the remainder of the cost will be covered under the policy, once we can confirm that the consultant is fully participating with Irish Life Health, the hospital is listed on your plan and the procedure is approved by Irish Life Health. However, if you have made changes to your policy recently, there may be a waiting period which may restrict your cover in specific hospitals or cause you to have an increased excess. Excess amounts and waiting periods can be confirmed by checking your Table of Cover and Irish Life Health Membership handbook. Your advisor will also be able to help confirm this information.
If I need surgery, will I have to pay for this or will it be covered?
For the most part, you will have to pay an excess towards your admission and the remainder of the cost will be covered under the policy, once we can confirm that the consultant is fully participating with Irish Life Health, the hospital is listed on your plan and the procedure is approved by Irish Life Health. However, if you have made changes to your policy recently, there may be a waiting period which may restrict your cover in specific hospitals or cause you to have an increased excess. Excess amounts and waiting periods can be confirmed by checking your Table of Cover and Irish Life Health Membership handbook. Your advisor will also be able to help confirm this information.
Can I choose what hospital I go to if I get sick or need surgery?
Yes, you can specify your preference of hospital to your GP when you first present with symptoms, they will then refer you to a specialist consultation in the hospital you choose.
**Terms and conditions apply as all hospitals are not covered on all plans and cover for surgeries is subject to waiting periods being served and policy terms and conditions being met**
Can I choose what hospital I go to if I get sick or need surgery?
Yes, you can specify your preference of hospital to your GP when you first present with symptoms, they will then refer you to a specialist consultation in the hospital you choose.
**Terms and conditions apply as all hospitals are not covered on all plans and cover for surgeries is subject to waiting periods being served and policy terms and conditions being met**
Can I choose what hospital I go to if I get sick or need surgery?
Yes, you can specify your preference of hospital to your GP when you first present with symptoms, they will then refer you to a specialist consultation in the hospital you choose.
**Terms and conditions apply as all hospitals are not covered on all plans and cover for surgeries is subject to waiting periods being served and policy terms and conditions being met**
Am I covered if I become unwell whilst abroad on holidays?
If you become unwell or have an accident/ injury while on holidays (outside of Ireland), your Irish Life Health insurance policy provides coverage under the ‘Overseas Benefits’ section. This covers emergency in-patient treatment abroad and repatriation costs, where the policy terms and conditions are met. Your health advisor can advise in more detail on these policy specific terms and conditions. It is important to note that this coverage only relates to situations where you are receiving inpatient care (at least 1 overnight stay in a hospital) and where the emergency care has been authorised and arranged with Irish Life Health. Also, the waiting periods outlined above still apply. Accident and emergency abroad benefits are not a substitute for travel insurance and it is recommended that you purchase travel insurance prior to travelling outside Ireland (see our Travel insurance for more).
Am I covered if I become unwell whilst abroad on holidays?
If you become unwell or have an accident/ injury while on holidays (outside of Ireland), your Irish Life Health insurance policy provides coverage under the ‘Overseas Benefits’ section. This covers emergency in-patient treatment abroad and repatriation costs, where the policy terms and conditions are met. Your health advisor can advise in more detail on these policy specific terms and conditions. It is important to note that this coverage only relates to situations where you are receiving inpatient care (at least 1 overnight stay in a hospital) and where the emergency care has been authorised and arranged with Irish Life Health. Also, the waiting periods outlined above still apply. Accident and emergency abroad benefits are not a substitute for travel insurance and it is recommended that you purchase travel insurance prior to travelling outside Ireland (see our Travel insurance for more).
Am I covered if I become unwell whilst abroad on holidays?
If you become unwell or have an accident/ injury while on holidays (outside of Ireland), your Irish Life Health insurance policy provides coverage under the ‘Overseas Benefits’ section. This covers emergency in-patient treatment abroad and repatriation costs, where the policy terms and conditions are met. Your health advisor can advise in more detail on these policy specific terms and conditions. It is important to note that this coverage only relates to situations where you are receiving inpatient care (at least 1 overnight stay in a hospital) and where the emergency care has been authorised and arranged with Irish Life Health. Also, the waiting periods outlined above still apply. Accident and emergency abroad benefits are not a substitute for travel insurance and it is recommended that you purchase travel insurance prior to travelling outside Ireland (see our Travel insurance for more).
its4women Health Insurance Blog
its4women Health
Insurance Blog
its4women Health Insurance Blog
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4D Maternity
Scanes
Allen Carr Stop Smoking
Health
Screening
Asthma Care Programme
International Second Opinion Service
Laser Eye
Surgery
Health In The
Home
Back-Up
Maternity
Benefits
Minor Injury
Clinic
Members Benefits
These benefits are available on all hospital plans.
Full policy terms and conditions can be found
in the Policy Booklet
Hear directly from the women who’ve experienced the benefits themselves!
