Medical Cash Plan

These are some of the key exclusions. Please refer to the Policy Document for a full list of exclusions.

The Medical Cash Plan has a range of cash benefits covering against medical expenses for sickness. We’ve highlighted some of the benefits of the policy that could help meet some of your medical expenses as a result of COVID-19. Please read the information below and if you have any questions, do contact our Customer Services team on enquiries@hiveinsure.ie. We’ll be delighted to help you in these challenging times.

Doctor Expenses

The policyholder has two Doctor visits per year.

Specialist Consultation

The policyholder has private consultations with a specialist physician or surgeon on referral from their doctor. This is subject to a maximum number of claims per benefit year as detailed in the policy documents.

Hospital Inpatient Admission – Sickness Only

If a policyholder is hospitalised as a consequence of COVID-19 they will be covered for Hospital Inpatient Admission for up to 100 nights in the benefit year.

Joint Inpatient Admission – Sickness Only

If a policyholder and their partner are hospitalised at the same time in a recognised hospital, they will be covered for Joint In-patient Admission benefits.

Recovery Bonus

This benefit is payable following a stay in hospital of 10 or more consecutive nights as a consequence of COVID-19. This is subject to a maximum of one claim per benefit year.

Worldwide Inpatient Admission

If a policyholder is hospitalised abroad as a consequence of COVID-19 they will be covered for Worldwide In-patient Admission Benefit. This is payable following emergency admission to hospital for overnight in-patient treatment or emergency consultation with a specialist physician or surgeon. Claims must be supported where necessary with a translation to English of the details of the hospital admission. The visit abroad must be for business or holiday purposes only and for up to 28 days duration.

Accident and Sickness Cash Benefit – Sickness Only

The Sickness Cash Benefit is payable if a policyholder is off sick as a result of COVID -19 and meets the definition of Sickness for a maximum of 10 subsequent working days once they have been away from work for more than 10 consecutive working days. Periods of self-isolation do not count as part of the 10-day waiting period. However, if a policyholder who is in self-isolation is diagnosed with COVID-19, the waiting period will likely commence from that date should they become unable to work for longer than the waiting period. Please also note that the cover benefit is a replacement of some income due to inability medically to work; it does not cover unemployment or redundancy.

Important – Waiting Periods for Sickness Benefits

As per the Terms and Conditions of the plan, please be aware that there is a six-month waiting period for benefit claims due to sickness. This means that the policy must have been in force for a minimum of six months following the start date of the policy before sickness benefits can be claimed.

Please refer to your Policy Documents for full Terms and Conditions.

From death and serious illness, through to accidents and help with everyday medical bills, we help to provide peace of mind and we’re here when you need us most. Here’s how to get in touch.