Hospital Cash Plan

Hospital stays can be financially overwhelming, whether it's from lost income, added expenses, or follow-up care. Hospital Cash plan is here to help. This plan provides a daily cash benefit for inpatient stays due to accidents or illnesses, including extended or intensive care. It also covers outpatient recovery costs, such as physiotherapy, ensuring you’re supported every step of the way. Designed with affordability and flexibility in mind, this plan is an invaluable safety net for individuals and families seeking financial peace of mind during unexpected medical events.

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Product Description
Your Benefits
Hospital Cash Plan vs Private Medical Insurance
Policy Benefits & Cover
Free Virtual Care

3 Key Benefits

Daily Cash Benefit for Hospital Stays

Receive up to €200 per day for inpatient hospitalizations. This cash benefit is designed to cover expenses like parking, meals, or even overnight accommodations for loved ones, providing immediate financial relief when you need it most.

Comprehensive Coverage Beyond the Hospital

Enjoy additional financial support for extended stays, ICU admissions, and follow-up outpatient visits, including physiotherapy. The benefits extend beyond the hospital, supporting you during your recovery and return to normal life.

Flexible Family Protection

Secure coverage not just for yourself but also for your spouse and children. Policies are available for adults aged 18 to 65, allowing you to purchase coverage up to 65, with continuation until your 75^th birthday. Children are eligible for cover from 6 months to 18 years - or up to 23 years if they are in full-time education.

How it compares to Private Medical Insurance

Private medical insurance focuses on paying for medical treatments, doctor consultations, and procedures. In contrast, Hospital Cash Plan provides cash payouts directly to you, giving you full control over how the money is used. Whether it’s covering day-to-day expenses, making up for lost income, or helping with additional costs like childcare, transportation, or household bills, this policy fills the gaps where traditional health insurance falls short.

Flexibility

Unlike private health insurance, which typically reimburses medical expenses, Hospital Cash Plan is unrestricted. The payout can be spent however you need, offering greater financial flexibility.

Affordability

With competitive premiums, Hospital Cash Plan provides financial security at a fraction of the cost of private medical insurance, making it an attractive option for middle-income families.

Accessibility

Even if you have private health insurance, Hospital Cash Plan enhances your financial protection, ensuring you're not left vulnerable to out-of-pocket expenses during and after a hospital stay.

This product is particularly valuable for those without comprehensive employee benefits or significant savings, addressing the real financial risks of hospitalization in a simple, effective way.

Your Hospital Cash Plan Policy Benefits & Cover

Hospital Cash Plan offers two levels of cover to suit your need. Gold provides €100 per night for inpatient stays, covering essential expenses during hospitalization, while Platinum enhances this benefit to €200 per night for added financial support. The Platinum include additional benefits for extended stay, intensive care, outpatient visits and recovery ensuring comprehensive protection for you and your family.

Gold
Platinum

Gold

The Golf plan offers essential financial protection during hospitalization, providing cash benefits for impatient stays. With additional support for critical care through ICU and HDU benefits, this plan is tailored for those seeking straightforward coverage to help manage the financial impact of hospital stays.

Platinum

The Platinum plan delivers advanced financial protection for medical emergencies, offering extensive benefits for hospital stays and critical care. Designed for those seeking comprehensive coverage, it includes:

Elective surgeries
Pregnancy complications
Follow-up outpatient visits
Physiotherapy sessions
Recovery
Accidental death
Permanent disability
Loss of limb

If you’re a Republic of Ireland resident and aged over 18 and under 65 years of age your acceptance for the AIG Hospital Cash Plan is guaranteed. Terms and conditions available to persons outside this criteria. Some exclusions apply so please read our IPID or policy booklet on our policy document page to find out more.

Free Virtual Medical Care With Your Policy

On-demand care for non-emergency health needs and concerns

Consult with a qualified and licenced doctor to discuss non-emergency medical concerns and medical care, including assessment, diagnosis and treatment, via call-back accessible 24/7, 365 days of the year

Access to world-renowned specialists for second opinion on diagnosis, treatment options, and need for surgery

A team of International Medical Experts will review and advise on a wide variety of conditions.

Safe, secure mental health coaching available from Monday to Friday

Consultation provided by qualified and licensed health/wellness professionals who will provide personalized and confidential support and suggest a follow-up session if appropriate.

Getting Access To The AIG Virtual Care Program

We will include instructions on your confirmation email how to gain access to your portal. If you already have your email you can always access your portal by clicking below.

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Qualifiers:

Note: Our products are available for Ireland residents only. You must be 18 years or over to purchase a policy. Cover is available up to the age of 74 and for children from 6 months to 18 years old or 23 if they are in full time education.

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