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Medical Cash Plan


  • Pays Cash benefits when you need medical treatment
  • 18 cash benefits - covering a wide range of medical needs, including dental, optical, physiotherapy and hospital admission
  • All CASH benefits paid directly to you tax free
  • Easy to claim - just call for a claim form
  • No excess to pay when you make a claim
  • FREE cover for children when an adult is covered


Why have a Medical Cash Plan?


In todays 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 to hospital, it could all cost you money and leave you out of pocket.

Helping you budget your healthcare costs

With the APRIL Ireland Medical Cash Plan, we can help you budget for those 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 doctors charges – it’s there to ease the financial burden of healthcare costs.


What Cash benefits are included?


4 Levels of Cover – You Choose. There are 4 levels of cover to choose from – bronze, silver, gold or platinum. Each level of cover provides a wide range of cash benefits to protect you against healthcare costs.

Some of the benefits have a Qualifying Period

The qualifying period is the period of time immediately following the date you take out the policy, during which you cannot claim benefits and applies to your first year of cover only. The following qualifying periods will apply.

  • Professional Services Cash Benefits – You can claim for the Maternity Benefit after 10 months from the start of the plan. All other Professional services Cash Benefits can be claimed after 6 months from the start of the plan.

  • Hospital Cash Benefits/Joint Inpatient Admission – You can claim for Accident Inpatient Admission and Accident & Emergency Unit Attendance immediately on starting the plan. All other Hospital Cash Benefits can be claimed after 6 months from the start of the plan.

  • Additional Care Cash Benefits – You can claim for all Additional Care Cash Benefits after 6 months from the start of the plan.

  • Bonus Cash Benefits -  You Can claim for Serious Injury Cash and Accidental Death Cash immediately on starting the policy. Sickness & Accident Cash Benefit can be claimed after 6 months from the start of the plan.

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ASH Plan


Accident, Sickness and Hospitalisation Plan

  • Pays you a monthly income if you can't work
  • That's money to pay your bills and mortgage
  • Helps you protect and maintain your lifestyle
  • Offers good value for money


Why have an Accident & Sickness Plan?


What would happeen to you and your family if you fell ill or had to leave work due to an accident or sickness? Where will the money come from? Who will pay for the mortgage and everyday household bills?

Your bills won't stop just because you can't work!

The APRIL Ireland ASH Plan provides you with the peace of mind that if you are unable to work due to an accident or sickness, you will still receive a regular monthly income.

This can help provide for your family's needs - from the simple things in life such as keeping a roof over your heads and food on the table, to ensuring your household bills are up to date, as well as all those expenses you incur every day.  


Here are the facts


Over 100,000 people are claiming Disability Benefits or Allowance

Heart Disease is Ireland's No.1 killer - approximately 10,000 people die from it each year, accounting for 33% of all deaths

Every year there are over 30,000 new cases of cancer and over 8,500 cancer deaths

Around 37,000 people each year suffer an injury or illness that causes four or more days absence from work

Over 1,371,000 working days are lost each year due to illness or injury

Cash benefits when you need it most

  • Accident or Sickness Benefit – If you are off work due to accident or sickness, the policy will pay you 1/30th of your monthly benefit for each continuous day you are off work - once your deferred period has elapsed. You will receive this benefit for your chosen benefit period, or until you return to work, whichever occurs first. The maximum monthly benefit is 60% of your gross monthly income if you are employed or 60% of your taxable monthly income if you are self employed. Non working partners can be covered up to €300 a month.

  • Hospitalisation Benefit – If you or an insured member of your family are hospitalised for more than 48 hours, the policy will pay you 10% of your monthly benefit for each subsequent 24 hours that you remain in hospital. This is payble for up to 30 days per insured person per policy year. In addition, you still receive your monthly benefit. 

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Joe Mulligan QFA T/A Atlantic Life & Finance is regulated by The Central Bank Of Ireland
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