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

4.9

Based on 1323 reviews

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Kate L.

I recently dealt with Ross when applying for my life insurance coverage, from my very first conversation with Ross he was attentive, knowledgeable, and genuinely committed to finding the best policy for my needs. Ross took the time to explain the options available, answered all my questions, and helped me navigate through the process with ease.

Gary P.

Bernadine was so helpful from start to finish. She made everything easy for us and was always checking in and keeping us updated on our application, would highly recommend, very professional

Response from the owner: Hi Gary,We’re delighted to hear about your positive experience with Bernadine! It’s great to know that she was able to assist you throughout the process, keeping you updated and making everything easy. We always strive for professionalism and excellent service, and your feedback means a lot to us!If you need any further assistance or have any questions in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

John K.

Ross was excellent throughout the entire process when I enquired for life and income protection policies. He explained everything in detail and put me under no pressure in selecting the correct policies. He helped me understand everything and kept me informed throughout.

Response from the owner: Hi John,We’re thrilled to hear about your positive experience with Ross! It’s fantastic to know that he was able to explain everything in detail, help you understand your options, and ensure you felt no pressure in choosing the right policies. Keeping you informed throughout the process is always our priority.If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Vidhi S.

My husband and I had a great experience working with Ross from the LowQuotes team for our mortgage protection policy. From the start, he was genuinely helpful, patient, and easy to communicate with.Ross took the time to walk us through the policy in detail, answered all our queries without any delays, and always provided clear and practical solutions. What stood out the most was his flexibility and willingness to adjust to our schedule, ensuring we had the support we needed every step of the way.His professionalism and customer service made the entire process straightforward and hassle-free. Highly recommended services!

Response from the owner: Hi Vidhi,We’re thrilled to hear about your positive experience working with Ross! It’s wonderful to know that he was able to provide helpful, clear, and patient guidance throughout the mortgage protection process. We always strive to make things as smooth as possible, and it’s fantastic to hear that Ross’s flexibility and professionalism stood out to you.Thank you for recommending our services! If you ever have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

David O C.

I found my advisor to be very personable, well informed and courteous.

Response from the owner: Hi David,We’re delighted to hear about your positive experience with your advisor. It’s great to know they were able to assist you with helpful information in a courteous and personable manner. We aim to provide the best service 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

Helen L.

Colin was very easy to talk to today and very helpful with my quote. Would highly recommend Low Quotes, very good service.

Response from the owner: Hi Helen,We’re delighted to hear about your positive experience with Colin! It’s great to know he was able to provide you with helpful guidance and make the process easy to navigate. We truly appreciate your recommendation, and we’re glad you had a great experience with our service.If you need further assistance or have any questions in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Patricia F.

I made a few "random" insurance inquiries online. Only Ross from Low Quotes came back to me. He was very knowledgeable and at no point did I feel under pressure to buy. He was a lovely mixture of kind , friendly and still so professional. My experience in the past has tended to be that once you contact insurance reps you'll be under constant pressure to buy. Not so with Ross, quick to respond to your question, but when he contacts you it's a case of "I'm here when you want", no feeling of pressure to buy. Would highly recommend.

Response from the owner: Hi Patricia,We’re so pleased to hear about your positive experience with Ross! It’s wonderful to know that he was able to provide you with the knowledge and support you needed, while making sure you never felt pressured. We strive to offer a balance of friendliness and professionalism, and we’re happy to hear Ross was able to deliver that.Thank you for recommending our services! If you ever have any more questions or need assistance in the future, don’t hesitate to get in touch.Best Regards,LowQuotes Team

katie F.

Very good experience as Cormac logue was v helpful and co-operative to what we were looking for and what we needed. He was accommodating on contacting us and helpful in explaining what we need and what is of best value!

Response from the owner: Hi Katie,We’re delighted to hear about your positive experience with Cormac! It’s great to know that he was able to assist you in finding exactly what you needed, and that his helpfulness and cooperation made the process easier. We always aim to offer the best value, and we’re glad Cormac could provide that clarity for you.If you need any further assistance or have any questions in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Jenny M.

Great service, really helpful and informative. We were dealing with Colin who was so friendly and helpful with any questions that I needed answers for. Also he was great at explaining things in a way that I could understand. Thanks for everything Colin!

Response from the owner: Hi Jenny,We’re delighted to hear about your positive experience with Colin. It’s great to know he was so friendly and helpful, and that he took the time to explain everything in a clear and understandable way. 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

Silvester B.

Very good service

Response from the owner: Hey Silvester,We’re delighted to hear that you had a great experience with our service! Providing top-notch support and making the process smooth for our customers is always our goal.If you ever need any assistance in the future, don’t hesitate to reach out. Thanks for your review!Best Regards,LowQuotes Team

Gareth E.

Cormac was very responsive and super helpful. We can always pick up the phone and get hold of him, and he responds very quickly via email. Definitely using LowQuotes.ie again.

Response from the owner: Hey Gareth,We’re thrilled to hear about your positive experience with Cormac! Providing responsive and helpful service is what we strive for, so it’s great to know he was able to assist you quickly and efficiently. We truly appreciate your trust in LowQuotes.ie and look forward to helping you again in the future!Best Regards,The LowQuotes Team

Sayyada Z.

Low Quotes guys are superb. Fantastic service

Response from the owner: Hey Sayyada,Thank you for your kind words! We’re delighted to hear that you found our service fantastic. Your support means a lot to us! If you ever need anything in the future, we’re always here to help.Best Regards,The LowQuotes Team

Anne Marie Mc G.

Ross was really nice & helpful going through the mortgage protection with us.

Response from the owner: Hey Anne Marie,We’re so glad to hear that Ross was able to guide you through your mortgage protection and make the process easier for you! We appreciate your feedback and are always here to help if you need anything in the future.Best Regards,The LowQuotes Team

Cathy K.

Shaun explained the policy to me as applicable to my health needs in simple understandable terms which was really great. He answered all my questions simply. Really great advice and I was very happy I contacted low quotes today.

Response from the owner: Hi Cathy,Thank you for your kind review! We’re delighted to hear that Shaun was able to explain everything clearly and provide you with great advice tailored to your needs. Making the process simple and easy to understand is exactly what we aim for, so it’s fantastic to know you had such a positive experience.If you ever have any further questions or need assistance in the future, don’t hesitate to reach out. We truly appreciate your feedback and for choosing LowQuotes!Best regards,The LowQuotes Team

Sara W.

A huge THANK YOU to Niamh McCaul, our primary point of contact at LowQuotes.ie, during a two-year mortgage approval process. She stayed on top of our case, was extremely responsive, and helped us overcome every obstacle along the way.

Response from the owner: Hi Sara,Thank you for your wonderful review! We’re so pleased to hear that Niamh provided you with exceptional support throughout your mortgage approval process. A two-year journey can be challenging, and we’re delighted that she was able to stay on top of everything, offering guidance and responsiveness every step of the way.We truly appreciate your kind words and for choosing LowQuotes. If you ever need any further assistance in the future, don’t hesitate to reach out. Wishing you all the best in your new home!Best regards,The LowQuotes Team

Sarah H.

Great service. We needed to get everything in place as fast as possible when buying a house and Aoife was absolutely fantastic. Great communication, had everything sorted so quickly and made it very easy for us. Would highly recommend.

Response from the owner: Hi Sarah,Thank you for your wonderful review! We’re delighted to hear that Aoife was able to assist you so efficiently during such an important time. We understand how crucial it is to have everything in place quickly when buying a home, and we’re so glad she made the process smooth and stress-free for you.We truly appreciate your recommendation, and if you ever need any further assistance in the future, don’t hesitate to reach out. Wishing you all the best in your new home!Best regards,The LowQuotes Team

Liz R.

I won't lie I came upon lowquotes by accident when in a flurry of trying to organise insurances. Thankfully after I got a quote online an agent called Dylan Chadwell called me to follow up. He was such a pleasure to deal with and he explained everything without technical jargon. I am so grateful because within 48 hours I went with one of the polices he recommended. I would not hesitate to recommend them.It's lovely to deal with real people and Dylan seems like one of the nicest!

Response from the owner: Hi Liz,Thank you for your fantastic review! We’re so glad that even by accident, you found us – and even happier to hear that Dylan was able to guide you through the process with ease. Ensuring that our clients receive clear, jargon-free explanations and the best recommendations is exactly what we strive for, and we’re delighted Dylan made the experience a positive one for you.We truly appreciate your recommendation, and if you ever need any further assistance, don’t hesitate to reach out. Wishing you all the best!Best regards,The LowQuotes Team

Samantha M.

I dealt with Cormac Logue and he was excellent. Went through the process there and then with me and was extremely informative. I highly recommend Cormac.

Response from the owner: Hi Samantha,Thank you for your kind review! We’re delighted to hear that Cormac provided you with such excellent service and made the process clear and informative. Ensuring our clients feel supported and well-informed is always our priority, so your feedback means a lot.We truly appreciate your recommendation, and if you ever need any further assistance, 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