What is the Medical Cash Plan?

In today’s financial climate every penny counts and with the rising cost of household bills and living costs, it can be easy to forget about your healthcare expenses. Whether you need to see a doctor, dentist or are admitted to hospital, it could all cost you money and leave you out of pocket.

With the Hive Medical Cash Plan, we can help you budget for these expenses.

It provides you and your family with a range of cash benefits so next time you need routine medical treatment, you know that many of your expenses will be covered.

From cash benefits when you need to see a dentist or specialist consultant, all the way through to hospital admission and hearing aids and even doctor charges - it's there to ease the financial burden of healthcare costs.

Medical Cash Plan highlights

Cashback on everyday medical expenses

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

What's included?

Professional services cash benefits

  • Dental

  • Optical tests

  • Optical equipment

  • Specialist consultation

  • Chiropody

  • Maternity

  • Doctor expenses

  • Hearing aid

  • Physiotherapy, acupuncture, homeopathy, osteopathy, chiropractic

 

Hospital cash benefits

  • Inpatient admission

  • Joint inpatient admission

  • Day case admission

  • Worldwide inpatient admission

  • Accident & emergency unit admission

  • Recovery bonus

 

Bonus cash benefits

  • Accident and sickness cash

  • Serious injury cash

  • Accidental death cash

Click here to download our full table of benefits.

What's not included?

These are some of the key 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

Please refer to the Policy Document for a full list of exclusions.

How do I make a claim?

To make a claim, simply call us on 074 9161868 for a Claim Form which you will need to complete and return by email (for fast-track processing) or by post (for standard processing). We will also require proof that you have made a purchase, or a letter from the hospital, doctor or specialist showing that a medical treatment/service has been used.”

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 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 IN-PATIENT 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.

FAQ

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)

Contact us