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Lowest priced hospital plan from only €39.02 per month

First Cover Plan is the lowest priced health insurance hospital plan on the market offering customers the benefits of being with Irish Life Health. 


*Get One Month Free from 1st Jan 2026.

Whats covered?

  • Private & Semi-private room in a public hospital
  • Up to €100 back on visits to a wide range of minor injury clinics
  • Unlimited Digital Doctor
  • Nurse on Call
  • Access to the MyLife rewards store
  • Online access to mental health assessments and content and up to 6 counselling sessions via phone, chat, video or face to face

See table of cover for full list of benefits.

Woman holds baby while talking on phone

Children's health cover available from just €12.50 per month

When it comes to your little one's health, advice and peace of mind matter most. That's why Irish Life Health offers cover for children at just €12.50 per month.

*Price effective from 1st January 2026

Why Irish Life Health

Irish Life Health ExpressCare Clinics

We're there for express care including our network of 21 other minor injury clinics.

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.

Back-Up

Get expert advice and treatment for acute back and neck pain from a network of nationwide physiotherapists. 

Feature List

Irish Life Health ExpressCare Clinics

We know minor injuries and illnesses are a pain but getting the treatment you need doesn’t have to be. We’re there for express care with the new Irish Life Health ExpressCare Clinics in Dublin and Cork. Our members can also access our network of 21 other minor injury clinics nationwide.

First Cover Plan is the Lowest Priced Health Insurance Cover For Students.

From 39.02 per month

Get a quote
  • Private & Semi-private room in a public hospital
  • Up to €100 back on visits to a wide range of minor injury clinics
  • Unlimited access to Healthy Minds phone counselling service
Get a quote

Still not sure what plan to buy?

See all plans here

Lowest price based on adult price.

*​Offer applies to the MyPlan range, Benefit, Health Guide 1, Health Guide 2, First Cover and First Cover Extra. One month free is equivalent to 8.33% discount spread over 12 months on new policies starting 1st January to 30th April 2026.

Offer applies to the Nurture Plus Plan on new policies starting 1st January 2026 to 30th March 2026. Terms and conditions and restrictions apply. Offer available for kids aged up to 17 years old.

Terms and Conditions apply. For exact details of cover, please check the Irish Life Health Membership Handbook and Table of Cover. 

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Monday to Friday 9am - 6pm

01 562 5100

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For non-emergency medical information 24 hours a day, 365 days a year

01 562 5150
© 2017 Irish Life Health dac is regulated by the Central Bank of Ireland. A private company limited by shares.Registered in Ireland No. 376607. Registered Office Irish Life Centre, Lower Abbey Street, Dublin 1. All information and contractual terms are supplied in English.