Best value corporate plans (lower excesses/better out-patient cover)

These cover public and standard private hospital up to semi-private level with each claim in private hospitals subject to a small excess of €50 to €150 per claim. There is limited cover for the high-tech hospitals (such as Blackrock Clinic and the Mater Private Dublin). These plans include guaranteed refunds on eligible out-patient expenses with no excess to pay first (usually up to 50pc). Members can use “scan and send” for immediate refunds or claim this at year-end.