Multi Claim Protection Cover

A smart alternative to Serious Illness Cover.

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Multi Claim Protection Cover

Multi-Claim Protection Cover is a unique, severity-based policy that protects you from a broad range of possible health setbacks that may impact your daily life. It offers anyone the ability to claim on the policy issued, paying out multiple times over its length. Once you have not claimed 100% of your cover, it will still be in place and be available to claim from until the full amount has been reached.

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LowQuotes.ie

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Philson T.

I delt with Ross. He was very helpful and supportive and easily reachable. I very much recommend him.

nicole M.

Aoife Morgan was spectacular, such a great help and made the whole process stress free.

Andrea G.

We had a great experience with Rebecca. She was very kind and patient with us, always available when we contacted her and very helpful if we had any doubts

Cathy M.

Rebecca was an absolute pleasure to deal with. She took the time to clearly explain every detail of our policy, making sure we understood and got the coverage we truly needed. On top of that, she secured us a fantastic deal on our life insurance, significantly better than what we had with our previous provider. Knowledgeable, patient, and genuinely helpful,Rebecca made the whole process stress free.

Chloe M.

Dylan was an absolute pleasure to deal with. Every step was explained perfectly and Dylan was patient in allowing me to ask questions on anything I was unsure of. I would highly recommend, and I already have, several times! Thank you so much again.

Niamh M.

Ross Kirwan was extremely helpful guiding me in the right direction with life insurance. He was very knowledgeable with the information he provided and also very patient with explanations. He made the whole process swift and stress free. Thank you

Samuel I.

Cormac Logue has been immensely helpful for us in securing a policy. He is professional and knowledgeable. Thank you Cormac.

Ashley F.

I had the pleasure of speaking with Rebecca,what a gorgeous person she was.She went above and beyond of explaining everything to me about my life insurance policy and I was very happy with her.she is an asset to you company.Thank you Rebecca 😊

Conor M.

Rebecca was excellent to deal with. She gave really good advice, was very kind and patient with us, responded quickly and clearly to all of our queries, and made the process as smooth as I could have hoped.

Andreea G.

From the first call Bernadine has been an absolute please to talk to. Such a warm and knowledgeable person.I've started doing the mortgage process by myself and i got a bit lost in the process but Bernadine has put me back on the right path and even though she hasn't been my broker she has been my angel. Her words and information have put my mind at ease and gave me the confidence to keep going and stay calm and wait for the bank to come through.I am and i will always recommend Bernadine to everyone that plans to buy a house. She will definitely go beyond to help you and she will be there for you every step of the way.

Emma C.

Myself and my partner had a great experience with Aoife! We didn’t have the most straight forward application but she made it as easy as possible for us and explained everything along the way. Would highly recommend Aoife!

John M.

After a few minutes I have 5 choices for decent quotes. Very efficient.

Chris M.

Rebecca was honestly such a pleasure to work with. Super friendly, easy to talk to, and really on top of things. She made the whole process smooth and stress-free, and I felt like she genuinely cared about making sure everything went right. I’d absolutely recommend her—just a really great experience all around."RegardsChris & Amy

Response from the owner: Hey Chris & Amy,We’re so pleased to hear about your great experience with Rebecca! It’s wonderful to know she made the process smooth and stress-free while showing such genuine care and professionalism. We’ll be sure to share your lovely feedback with her, she’ll be delighted!Thanks again for the recommendation, and if you ever need anything in the future, we’re always here to help.Best Regards,LowQuotes Team

Aju J.

Excellent customer service from Aoife Morgan, one of the best customer service I have met ever. She is very polite and very friendly. Thank you Aofie.

Response from the owner: Hey Aju,We’re delighted to hear about your positive experience with Aoife Morgan! It’s fantastic to know she provided such friendly and professional service. We’ll be sure to pass along your kind words, she’ll really appreciate it!Thanks for taking the time to share your feedback, and if you ever need assistance again, we’re always here to help.Best Regards,LowQuotes Team

Amy D.

I spoke to Rebecca and she was so kind and helpful it was my first time ever inquiring about life insurance. She went through the process and gave me great advice on how to proceed, completely put my mind at ease and I’m happy I have it sorted . I will recommend to family and friends. Thank you 😊

Response from the owner: Hey Amy,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was able to explain everything clearly and make your first time inquiring about life insurance such a smooth and reassuring process. We really appreciate the recommendation. It means a lot!If you or your family need anything else down the line, don’t hesitate to reach out.Best Regards,LowQuotes Team

navi R.

Ross is the best broker I have ever encountered. He gave his 100% effort and is incredibly helpful. Truly highly recommend! The company must double this guy’s salary.

Response from the owner: Hey Navi,We’re delighted to hear about your positive experience with Ross. It’s fantastic to know he went above and beyond and gave 100% effort throughout the process. We couldn’t agree more, he’s a real asset to our team! We’ll be sure to pass on your kind words (and salary suggestion!) to him.If you ever need anything else or have further questions, don’t hesitate to reach out.Best Regards,LowQuotes Team

Mark C.

I can’t speak highly enough of the service Colin provided and the extremely courteous nature in which he did so. Getting mortgage protection is another obstacle cleared in securing my first home. I’m doing this process alone and am unfamiliar with many of the stages involved but Colin made this step incredibly easy. He walked me through everything and made it so I understood the whole application. I can’t thank Colin enough and would be more than happy to highly recommend Colin and team to others.

Response from the owner: Hey Mark,We’re delighted to hear about your positive experience with Colin. It’s great to know he was able to guide you clearly and respectfully through the mortgage protection process, especially during such a significant milestone like securing your first home. Going through it alone can be overwhelming, so we’re glad Colin could make it smooth and stress-free for you.Thank you for the kind words and recommendation, wishing you all the best in your new home!Best Regards,LowQuotes Team

Sharon M.

Rebecca was absolutely fantastic to deal with. She was super easy to communicate with, very informative and really assisted me in getting the most suitable policy for my needs. Brilliant service. Thanks Rebecca

Response from the owner: We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was able to communicate everything clearly and help you find the most suitable policy for your needs. We aim to make the process as smooth and helpful as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Benefits of Royal London Multi-Claim Protection

Cover a broad range of seious range of illnesses such as hert attack or cancer treatment.
Life cover built into the policy
Your premium will nor change after a claim
Covers for big life impacts such as long hospital stays from serious accidents.
Cover availeable if you've previously been declined Serious Ilness Cover.
Ability to claim more than once(once not have cliamed 100% of sum assured.
Pays out a specific amount depending on the severity of the illness
Free One to One personal support to help your family cope with devastating effects of any illness or bereavement.
Ability to have Additional Life Cover separate from your MCPC
Children's cover and premature

Understanding Multi-Claim Protection Cover: A Case Study

Multi-Claim Protection Cover is designed to provide comprehensive financial support in the event of serious health issues by paying out a portion of the total coverage amount as needed. Here’s how it works, illustrated through John’s experience:

Initial Policy and Coverage

Profile: John, age 35, single, non-smoker.
Policy: Single life Multi-Claim Protection Cover for €80,000 over a 20-year term.
Premium: €23.68 per month.

First Claim: Cancer Diagnosis

Health Issue: John is diagnosed with cancer and requires surgery.
Payout: 10% of the total cover (€8,000) is paid out for surgery costs.
Remaining Cover: €72,000 left for future health issues.

Second Claim: Testicular Cancer Diagnosis

Health Issue: John is later diagnosed with testicular cancer, requiring extensive treatment.
Payout: 60% of the total cover (€48,000) is paid out for treatments.
Remaining Cover: €24,000 remaining for future health setbacks.

Through this Multi-Claim Protection Cover, John receives timely financial support for his medical expenses, ensuring that he can focus on recovery without the burden of financial stress. This type of policy allows multiple claims, reducing the total coverage amount available with each payout, but ensuring continuous support through various health challenges.

If you want to learn more and explore all the details about the multi-claim protection cover, please click here.

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Your Questions Answered

What is Multi Claim Protection Cover?

Multi Claim Protection Cover(MCPC) is a simple, cost-effective life and illness protection policy. MCPC pay outs are directly linked to the severity of certain health set backs that will cause difficulty in your day to day life.

It offers anyone the ability to claim on the policy issued, paying out multiple times over its length. The amount of protection covered vary from provider to provider, so it is important to speak to one of our advisors before making your choice.

You can fill out our easy to understand form for a free online quote comparison, or speak to one of our Qualified Financial Advisors who will assist you with getting a quote.

Why is Multi Claim Protection Cover Different?

Multi Claim Protection Cover is designed to give full financial support that will strategically align with the severity of a medical emergency or significant health impact on your wellbeing and lifestyle.

For instance some insurance policies will only pay out once for the specific serious illnesses after diagnosis, meaning you cant get that type of insurance again once the cover ends.

With Multi Claim Protection Cover even after a significant health setback has been claimed, as long as you have not claimed 100% of you cover you will still have cover in place for any potential impacts on your health and lifestyle.

What is health impacts are covered?

Multi-Claim Protection Cover is based on severity of health setbacks that will occur. Serious illnesses such as heart attack and cancer treatment covering all requirements. MCPC covers major incidences , such as long hospital stays and traffic accidents.

How is Multi Claim Protection Cover amount determined on severity?

Multi Claim Protection Cover is in line with the consequences of a serious illness or health setbacks. This is how Multi Claim Protection Cover is paid out multiple of times, by keeping up with advancements in medical technologies providing an exclusive cover

There are eight levels of severity that determine how much money will be paid out to make a claim. Based on the impact of the health difficulty and how it affects your lifestyle.

Claim Events for MCPC

Claims paid more than once – with cover that continues Thankfully there are great strides in medical diagnostics and treatments more efficiently.

It also means that more people are likely to be diagnosed with and be successfully treated for a serious illness.

For example, 1 in 2 people in Ireland will develop cancer during their lifetime. Illnesses are easily detected now, meaning any serious illness are having a smaller impact.

Example of what can you expect to pay for your MCPC: A single , non-smoker aged 39 who wants a sum assured of €100,000 for a 25 year term would pay €45.77 per month.

What is helping hand benefit?

Royal London’s Helping Hand gives you one to one Personal Support from Royal London.

This free extra includes:

Providing bereavement counsellors, speech therapists, face to face medical opinions, therapies, massages, physiotherapy for serious health issues
Cardiac rehabilitation support
Support for coping with cancer
Family support for the loss of a loved one

Main Differences between MCPC and Health Insurance.

Remember you can put Multi Claim Protection Cover in place in addition to your health insurance. Both insurance compliment each otehr. the table outline the main differences between Multi Claim Protection Cover and Health Insurance.

What does it pay out for ?

Who does it pay out to ?

Dos it pay out multiple times ?

It pays a guaranteed tax – free percentage of your full cover amount to help with monthly expenses.

Does it provide a financial payout on death?

Yes.

https://www.royallondon.ie/siteassets/site-docs/mcpc/rl-mcpc-brochure-dac.pdf

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Multi Claim Protection Cover