Specialist intersts Maternity cover (thanks to huskerdu for this summary) Here is a summary of what PHI covers for Maternity in Ireland. If my figures are incorrect or out-of-date, please let me know. If you decide to see a consultant privately for ante-natal care, the cost will be approx €2,500 to €3,500. PHI does not cover this, but some plans pay a contribution. VHI/Aviva/Quinn pay between €200-€500 towards this, depending on the plan. €300 seems to be an average for a lot of plans. PHI pays for the consultant fee for the birth, the anaestitist fee if you have an epidural or section, blood tests and 3 nights in a private ward, in a public hospital. If you have any medical complications during the pregnancy or birth that necessitates a longer hospital stay, this is covered. In a normal birth with no medical complications, only 3 nights are covered. If you attend a private hospital, PHI will pay a total of between €2275/€4000 depending on the plan. My understanding is that the average bill for 3 nights in a private Maternity hospital is in excess of this. If you are a private patient, you must pay for all ultrasound scans. This may be fully or partially covered by PHI, depending on the plan.