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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Clarke K

Service is quick and easy to use

Response from the owner: Hey Clarke,We’re delighted to hear that you found our service quick and easy to use! Your feedback is greatly appreciated, and we’re glad to know that our process worked well for you. If you need any further assistance, don’t hesitate to reach out!Best Regards,LowQuotes Team

Roisin L.

I can't praise Neil enough. We were under serious time pressure and he kept us updated the entire time. An absolute treasure to have working for low quotes.

Response from the owner: Hey Roisin,We’re thrilled to hear about your positive experience with Neil! It’s great to know he kept you updated and helped you navigate through the time pressure. We truly appreciate your kind words, and we’re lucky to have Neil on our team. If you ever need anything else, feel free to reach out!Best Regards,LowQuotes Team

Róisín M.

I recently dealt with Ross Kirwan for our mortgage protection & income protection. Ross was an absolute pleasure to deal with and was very informative about the various options. He made the process very easy and straightforward. I would highly recommend contacting Ross.

Response from the owner: Hey Róisín,We’re so happy to hear about your positive experience with Ross! It’s great to know he made the process of securing your mortgage protection and income protection easy and straightforward. Thank you for recommending him, and we’re thrilled to have him on our team. Don’t hesitate to reach out if you need anything else!Best Regards,LowQuotes Team

Becky C.

Ross was so unbelievably helpful and he really explained everything to me. Such a friendly person on the phone too!

Response from the owner: Hey Becky,We’re thrilled to hear about your great experience with Ross! It’s wonderful to know he was able to explain everything clearly and make the process smooth for you. Thank you for your kind words, and we’re glad to hear you found him so friendly. If you need anything else, don’t hesitate to reach out!Best Regards,LowQuotes Team

T. B.

Fantastic experience with Cormac for getting Mortgage protection policy.Extremely supportive , prompt and helpful.

Response from the owner: Hey T.,We’re so happy to hear about your fantastic experience with Cormac! It’s great to know he was supportive, prompt, and helpful in securing your mortgage protection policy. We truly appreciate your feedback and are here for any future needs. Don’t hesitate to get in touch if you need anything else!Best Regards,LowQuotes Team

Rafal K.

Thank you Rachel Fennin for the outstanding support while heading me through the process of getting my mortgage protection. I'm satisfied with everything and will highly recommend LowQuotes to everyone.

Response from the owner: Hey Rafal,We’re so happy to hear about your positive experience with Rachel! It’s great to know she was able to guide you through the mortgage protection process smoothly. Your satisfaction means a lot to us, and we really appreciate your recommendation. Don’t hesitate to reach out if you need anything else!Best Regards,LowQuotes Team

Gabriela B.

Colin Bailey is the best financial advisor. He explained very clearly all the details of the insurance, and I'm delighted that i could talk to him on the phone. I fully recommend him . Very nice and pleasant person to talk to. Thank you Colin

Response from the owner: Hey Gabriela,We’re thrilled to hear about your great experience with Colin! It’s fantastic to know that he was able to explain everything clearly and made the process smooth for you. We truly appreciate your kind words, and we’ll be sure to pass them along to Colin. Thank you for recommending him, and don’t hesitate to reach out if you need anything else!Best Regards,LowQuotes Team

Jenny K.

Excellent Service. Niamh was fantastic as our broker. From the moment I got in contact with Niamh, she was on the button and made the process of buying our first home very easy. Can't thank her enough. She is so effecient and great at her job.

Response from the owner: Hey Jenny,We’re so happy to hear about your great experience with Niamh! It’s fantastic to know that she made the process of buying your first home so easy and smooth. We truly appreciate your kind words, and we’ll be sure to pass them along to Niamh. Thank you for trusting us, and don’t hesitate to reach out if you need anything else!Best Regards,LowQuotes Team

Elaine M.

I had an excellent experience discussing pension options with Dylan and Philip. They were generous with their time and gave very detailed information. Their knowledge of the market was clear. I felt confident and in safe hands and will recommend to others.

Response from the owner: Hey Elaine,We’re thrilled to hear you had such a positive experience with Dylan and Philip! It’s great to know they were able to provide detailed information and help you feel confident in your pension options. Your trust in us means a lot, and we truly appreciate your recommendation. Don’t hesitate to reach out if you need anything else!Best Regards,LowQuotes Team

Nimmy Jordy p

I would like to say a big thank you to Niamh McCaul for my mortgage protection policy. She did well with best and reasonable rate suitable for me. We highly recommend her for every one looking for any financial products.

Response from the owner: Hey Nimmy,We’re so happy to hear about your positive experience with Niamh! It’s great to know she was able to secure the best and most reasonable rate for your mortgage protection policy. Thank you for recommending her and for trusting us with your financial needs. If you ever need anything else, feel free to reach out!Best Regards,LowQuotes Team

Cormac C.

Neil was very professional and explained everything well. A pleasure to deal with.

Response from the owner: Hey Cormac,We’re delighted to hear about your positive experience with Neil! It’s great to know he was able to explain everything clearly and make the process smooth for you. We appreciate your feedback and are glad you had a pleasant experience. If you need anything else, don’t hesitate to get in touch!Best Regards,LowQuotes Team

Darren

Very prompt and professional response to our quote for mortgage protection. Ross was extremely helpful in choosing our policy.

Response from the owner: Hey Darren,Thank you for your fantastic feedback! We’re delighted to hear that Ross provided a prompt and professional response while helping you choose your mortgage protection policy. He’s always committed to making the process as smooth and helpful as possible.If you ever have any questions or need assistance in the future, don’t hesitate to reach out—we’re here for you!Best Regards,LowQuotes Team

Stephanie’s H.

Ross was so easy to deal with & efficient.He made getting mortgage protection so easy

Response from the owner: Hey Stephanie,Thank you so much for your kind words! We’re thrilled to hear that Ross made the process of getting mortgage protection so easy and efficient for you. He always aims to make things as straightforward as possible, and it’s great to know he delivered for you.If you have any further questions or need assistance in the future, don’t hesitate to reach out—we’re here to help!Best Regards,LowQuotes Team

Emma F.

I took out my first life insurance policy today and I must say that Craig Haslam was so helpful and really helped me understand the different options available to me and put me at ease in choosing the best policy for me. I couldn't recommend him enough.

Response from the owner: Hey Emma,We’re thrilled to hear about your positive experience with Craig Haslam! It’s wonderful to know he was able to explain your options clearly and make the process of choosing your first life insurance policy smooth and comfortable. Your recommendation means so much to us! If you ever have any questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Katelyn C.

Ross got us out of a bind with our mortgage protection with a short deadline approaching. Could not have been more helpful and friendly would definitely recommend to a friend

Response from the owner: Hey Katelyn,We’re so glad Ross was able to assist you with your mortgage protection under a tight deadline! It’s great to hear he was both helpful and friendly throughout the process. Your recommendation means a lot to us! If you or a friend ever need assistance in the future, we’re always here to help.Best Regards,LowQuotes Team

sean mc A.

I dealt with a shaun young and I couldn't recommend him highly enough he gave me an the info I needed and talked through all the options and I never felt like I was getting the hard sell at any point. I will definitely be contacting him again for any if their other services I'm the future.

Response from the owner: Hey Sean,We’re thrilled to hear about your positive experience with Shaun Young! It’s fantastic to know he provided you with all the information you needed and took the time to walk you through your options without any pressure. We always aim to make the process clear and comfortable for our clients, so your feedback means a lot to us. If you ever need assistance with any of our other services in the future, don’t hesitate to reach out – we’d be delighted to help!Best Regards,LowQuotes Team

Owen J.

Excellent service throughout. Niamh McCaul was the right person at the right time when it came to sorting out mortgage protection. She was calm, informative and didn't mind answering all of my questions. I'd have no problem recommending her services to anyone!

Response from the owner: Hi Owen,We’re delighted to hear about your positive experience with Niamh McCaul. It’s fantastic to know she was able to assist you with your mortgage protection needs and answer all your questions calmly and informatively. We aim to make the process as smooth and understandable 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,The 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