Specified Illness Cover

Core Benefits

  • Life Cover 
    A lump sum payment in the event of death or diagnosis of a terminal illness. Children are automatically covered for €4,000 Life Cover. A child is defined as aged 1-18 and 18-21, if in full-time education.
  • Critical Illness Cover 
    A lump sum payment if you are diagnosed with any one of 28 specified critical illnesses, including cancer, heart attack and stroke. Children are automatically covered for 50% of your Specified Critical Illness Cover up to a maximum of €25,000. A child is defined as aged 1-18 and 18-21, if in full-time education.

Optional Benefits

  • Hospital Cash Benefit
    A daily amount payable of up to €200 per day if you are in hospital for more than three days. Children are automatically covered for €35 per day Hospital Cash Benefit. A child is defined as aged 1-18 and 18-21, if in full-time education.
  • Specified Injury Benefit 
    A lump sum payment of between €1,000 and €3,000 if you break a bone covered by your policy
  • Accident Benefit 
    A weekly amount if you are unable to work due to an accident.
  • Surgical Cash Benefit 
    A percentage of your Specified Critical Illness Benefit upfront if you need to undergo one of the specified major operations listed in your policy.
  • Total & Permanent Disability Benefit 
    A lump sum payment if you are totally, permanently and irreversibly unable to carry out work as a result of injury or illness before your 60th birthday.
  • Waiver of Premium Benefit 
    Pays your premiums after six months of disability until you recover, reach age 60 or receive a payment for Specified Critical Illness Cover or Total and Permanent Disability Benefit, whichever event occurs first.
  • Guaranteed Insurability Option for Life Cover & Specified Critical Illness Cover 
    You can increase your level of life cover or specified critical illness cover by up to 50% of your original level of cover (to a maximum of €100,000) in certain circumstances, without having to provide any additional evidence of your current health or occupation.
  • Specified Critical Illness – Advance Benefit Payment 
    If you are diagnosed as requiring one of three heart related surgeries and are on a waiting list, you will be paid 50% of your cover (up to €32,000) immediately.

Cover Options

  • Single Life Cover
    One life is covered. The cover amount is paid out on death and/or specified illness, and the policy then ceases.
  • Dual Life Cover 
    Two lives are covered. With dual life cover the payment of the cover amount for one life (in the event of death and/or specified illness) does not affect the level of cover of the other life. Because cover for each life is treated independently, you can also choose to have different levels of cover for each person
Please call or email us for a personal financial review or to learn more about a specific service.
Call: 051 318 000