4 MIN READ
UPDATED JUN 19, 2026Toku provides employer-sponsored benefits in Ireland through Irish Life (medical insurance and pension) and DeCare (dental). These benefits are designed to support employees’ health, financial security, and long-term retirement planning.
Some benefits require enrollment, while others are provided automatically. Please review the sections below to understand how each benefit works.
📄 Detailed schedules of benefits are available here:
Summary of Health Insurance (Irish Life - 4D Health 4 Plan)
Toku partners with Irish Life Health to provide private medical insurance alongside Ireland’s public healthcare system via our broker- Kota.
Employees may opt in to coverage during eligibility windows.
Plan Overview
- Provider: Irish Life Health
- Plan Name: 4D Health 4 (4D4)
- Coverage Type: Private medical insurance
- Hospital Access: Public, private, and semi-private hospitals (subject to plan terms)
Eligibility & Enrollment
- Enrollment is optional and can be completed directly in your Toku account under the Benefits tab.
- Employees must opt in during onboarding or eligible enrollment periods
- Coverage begins once enrollment is confirmed by the insurer
Premium & Cost Overview
Annual Medical Premiums
| Category | Annual Premium (€) |
|---|---|
| Adult | €1,976.20 |
| Young Adult (18 - 20) | €987.90 |
| Young Adult (21) | €1,109.50 |
| Young Adult (22) | €1,326.10 |
| Young Adult (23) | €1,542.80 |
| Young Adult (24) | €1,759.40 |
| Young Adult (25+) | €1,976.20 |
| Child (1 - 3) | €584.60 |
| Child (4+) | €584.60 |
| Newborn | €0 |
How to Use Your Health Coverage
- Access care through Irish Life’s approved hospitals and providers
- Submit claims directly to Irish Life
- Certain services are reimbursed up to annual limits
- Pre-authorization may apply for specific procedures
Summary of Covered Medical Services
The sections below provide an overview of services covered under the 4D Health 4 plan.
Hospital & In-Patient Coverage
- Private and semi-private hospital accommodation
- €50 excess per claim
- €2,000 co-payment for certain orthopedic procedures
- Maternity care:
- Public hospital maternity services
- Consultant fees
- Home birth support
- Psychiatric inpatient treatment
- Emergency inpatient treatment abroad:
- Hospital bills covered up to €100,000
- Medical repatriation covered up to €1,000,000
Out-Patient & Day-to-Day Care
- GP consultations:
- 75% reimbursement
- Minor injury clinics (virtual and in-person)
- Outpatient maternity consultant fees
- Physiotherapy:
- €40 per visit
- Up to 10 visits per year
- Health screening:
- Up to €200 per year
- Menopause benefit, HPV vaccine, and nutrition recovery benefit:
- Partial reimbursement
Child & Developmental Benefits
- Child development assessments:
- 75% covered
- Up to €300 per assessment
Summary of Dental Coverage (DeCare)
Toku offers optional dental coverage through DeCare. If you are interested in enrolling, please reach out to [email protected] to complete your application.
Dental Plan Overview
| Benefit | Coverage |
|---|---|
| Routine exams & cleanings | 100% |
| Basic treatments (fillings, extractions) | 70% |
| Major treatments (crowns, root canals) | 70% |
| Orthodontics (ages 8 - 18, one-time) | €1,250 |
| Oral cancer benefit | €2,000 lump sum / €3,000 rehabilitation |
Children receive additional coverage for sealants and space maintainers.
Dental Premiums (Monthly)
| Coverage Type | Gross Monthly Rate (€) |
|---|---|
| Employee (TC3 Plus) | €22.28 |
| Employee + Child | €39.31 |
| Employee + Spouse | €40.76 |
| Family | €64.97 |
Summary of Life & Disability Insurance
Life and disability insurance are provided automatically to eligible employees.
Coverage Overview
- Life Insurance:
- 4× annual base salary
- Non-medical limit: €900,000
- Long-Term Disability (LTD):
- 66.67% of salary (less social security benefits)
- Paid until state retirement age
- Non-medical limit: €75,000
- Includes 6% premium protection Coverage begins from day one of employment.
Summary of Pension (Irish Life)
Toku partners with Irish Life to provide a supplemental defined contribution pension plan. If you are interested in enrolling, please reach out to [email protected] to complete your application.
Contribution Overview
- Employer Contribution: 6% of salary
- Employee Contribution: 6% of salary
Tax Advantages
- Tax relief on pension contributions
- Tax-free investment growth
- Tax-free lump sum available at retirement (subject to Irish pension rules)
Need Help?
If you have questions about your Ireland benefits or enrollment, please contact the Toku Benefits Team: