Medical Cash PlanThe Medical Cash Plan is a straightforward product that helps you to cover the cost of everyday health expenses like dental check-ups, eye tests and alternative therapy sessions. It's simple to use and “does what it says on the tin”. Contact us
About the Medical Cash Plan
Cash plans have been around for many years, and are especially popular at the moment given the rising costs of things like dental check-ups, eye tests and alternative therapies. And with healthcare costs expected to continue to rise, now really is a great time to consider taking out a health cash plan.
So how do they work? Generally, they focus on a particular area of healthcare, like dental or optical cover. They normally have a choice of benefit levels offering different amounts of cover. The higher the level, the more cover you get, and so the higher the premium.
You choose the plan and level of benefit you need, pay the monthly premium relating to your level of cover, and in return you claim cash back up to the maximum amount you’re covered for, once you’ve had your treatment.
Hive offers more comprehensive plans than just dental or optical policies. That’s because our plans give you added security and peace of mind. Why take out a dental plan when you can take out a policy that protects you for so much more?
We have our Medical Cash Plan, which gives you four levels of cover for a whole range of everyday healthcare costs including dental, optical, physiotherapy, osteopathy, homeopathy and specialist consultations.
Download our guide or take a look at the details below and let us help you to get covered today.
The Medical Cash Plan is a simple health plan that covers your routine healthcare expenses up to the amount of cover you choose.
Pays cash benefits when you need medical treatment
All cash benefits paid directly to you tax free
No excess to pay when you make a claim
18 cash benefits - covering a wide range of medical needs, including: dental, optical, physiotherapy and hospital admission
FREE Cover for children when an adult is covered
Easy to claim - just call us for a claim form
I put in a claim in beginning of October and they sorted it out very quickly and I’m with them good few years never had any complaints thank you.
Great service as always.
Friendly company, fast response, I am satisfied with the services and contact.
Extremally efficient company to deal with, totally satisfied with Lynsey who always answered any query I had with accurate information. Would not hesitate to recommend them.
Rob is very easy to deal with. Many people at the yard I have my horse has signed up to Hive Insurance. Great plains available for small monthly payments.
I recently purchased equine insurance from Hive Insurance after a recommendation from a riding centre. Rob was very professional, knowledgeable, helpful and assisted in myself and my children all having cover before the end of the day! There were three options of cover to choose from.
I couldn’t be happier with my experience and have been passing his details to my equestrian friends.
As an ISSA member, I had an accident and put in a claim with Hive here in Ireland and I have to say, the service was great and really helpful, but the best bit was my claim was dealt with and paid out within a week! Couldn’t recommend them enough.
“With all sports, the risk of injury is always present and equestrian sport is no different and in the case of our yard, where the risk ranges from 128cm ponies through to Grand Prix horses, covering Riders, Grooms and Yard Staff the danger seems ever present. Therefore, these day every risks combined with the issues surrounding Irish equestrian insurance; the launch of the Equine Safety Initiative could not be more perfectly timed in my opinion. Furthermore, after a visit, Rob McOwan expertly and efficiently introduced and implemented the roll out of the ESI to everyone involved within our yard without any disruption. Highly recommend everyone involved in horses gets behind and supports this initiative as we will all benefit from it in the short and long term”.
“Having spoken with Rob at Hive, he was able to offer me a superb policy which gave me peace of mind to get back into the saddle once restrictions eased during the year. As an active member in the AIRC, I was delighted to recommend this initiative to all our club members as Hive’s customer service and expertise in the equine industry is second to none”.
“I am proud to be working with Hive Insurance Services as I think their approach to Irish Equine Insurance is breath of fresh air and very much needed within our industry.”
“Their alliance with all of the various equestrian governing bodies and their introduction of the Equine Safety Initiative (ESI) is just one example and I strongly believe that if we all get behind, support and promote this important safety program; given time, the Irish equine insurance market could change for the better, with less small claims burdening our equestrian businesses premiums could stabilise, even drop… can you imagine that!”
Professional services cash benefits
Physiotherapy, acupuncture, homeopathy, osteopathy, chiropractic
Hospital cash benefits
Worldwide inpatient admission
Joint inpatient admission
Accident & emergency unit admission
Day case admission
Bonus cash benefits
Accident and sickness cash
Serious injury cash
Accidental death cash
What's not included?
These are some of the key exclusions. Please refer to the Policy Document for a full list of exclusions.
Pre-existing medical conditions (not applicable to dental or optical benefits)
Any treatment arising from, or related to, any chronic condition, other than for the optical or dental benefits
Treatment that is not given by a chiropodist, dentist, optician, specialist or therapist
Coronavirus / Covid-19 update - how does this policy cover me if I contract the virus?
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 firstname.lastname@example.org. We’ll be delighted to help you in these challenging times.
The policyholder has two Doctor visits per year.
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.
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.
Who can apply?
How is the plan underwritten?
Pre-existing medical conditions clause
How do I make a claim?
To make a claim, simply call us on 074 9161868 for a Claim Form or go to the Literature Library page and print out a copy. You’ll then need to complete and return the form by email (for fast-track processing) or by post (for standard processing). We’ll also require proof that you’ve made a purchase, or a letter from the hospital, doctor or specialist showing that a medical treatment/service has been used.”
Get in touch
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.
Lines are open 9am-3pm Monday to Friday (excluding public holidays). Calls are recorded and kept for training, monitoring and regulatory purposes
You can contact us directly by emailing email@example.com