Medical Cash Plan

The 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.

Download our free guide

Plan highlights

The Medical Cash Plan is a simple health plan that covers your routine healthcare expenses up to the amount of cover you choose.

N

Pays cash benefits when you need medical treatment

N

All cash benefits paid directly to you tax free

N

No excess to pay when you make a claim

N

18 cash benefits - covering a wide range of medical needs, including: dental, optical, physiotherapy and hospital admission

N

FREE Cover for children when an adult is covered

N

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.

Jacqeline McHugh

Great service as always.

Deborah

Friendly company, fast response, I am satisfied with the services and contact.

Anna

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.

Andrew

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.

ladbrokes2007

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.

Highly recommend!

Debbie

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.

Hugh

“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”.

Melvyn Kennedy, Hughes Kennedy Show Jumping

“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”.

Elaine Lynch, AIRC Member

“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!”

Heike Holstein, Olympic Dressage Rider

What's included?

Professional services cash benefits

N

Dental

N

Specialist consultation

N

Doctor expenses

N

Optical tests

N

Chiropody

N

Hearing aid

N

Optical equipment

N

Maternity

N

Physiotherapy, acupuncture, homeopathy, osteopathy, chiropractic

Hospital cash benefits

N

Inpatient admission

N

Worldwide inpatient admission

N

Joint inpatient admission

N

Accident & emergency unit admission

N

Day case admission

N

Recovery bonus

Bonus cash benefits

N

Accident and sickness cash

N

Serious injury cash

N

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.

M

Pre-existing medical conditions (not applicable to dental or optical benefits)

M

Any treatment arising from, or related to, any chronic condition, other than for the optical or dental benefits

M

Treatment that is not given by a chiropodist, dentist, optician, specialist or therapist

FAQs

Who can apply?

You can take out the Medical Cash Plan if you are between the ages of 16 and 69 attained and resident in the Republic of Ireland.

How is the plan underwritten?

You are guaranteed cover under our moratorium terms. This means NO medical examinations or questionnaires and you can be covered without delay. All pre-existing medical conditions you are aware of, or in our opinion should be aware of, or for which you received treatment, are automatically excluded – unless you have been symptom free and not received treatment or advice for it, for a two year period prior to a claim. This does not apply to optical or dental benefits.

Pre-existing medical conditions clause

All pre-existing medical conditions you are aware of, or in our opinion should be aware of, or for which you received treatment, are automatically excluded – unless you have been symptom free and not received treatment or advice for it, for a two year period from the start date of the plan. (Not applicable to dental or optical benefits)

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.

HQ

Hive Insurance Services, Office 15, Lakeview Point, Unit 24, Claregalway Corporate Park, Claregalway, Co. Galway, H91 PX38

074 9161868

Lines are open 9am-3pm Monday to Friday (excluding public holidays). Calls are recorded and kept for training, monitoring and regulatory purposes

Call us

Email

You can contact us directly by emailing enquiries@hiveinsure.ie

Send