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.

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

LowQuotes.ie

4.9

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michael B.

Cormac logue was very professional and very helpful, thanks Cormac

Rachel L.

Colin was a fantastic help. He made the whole process painless. Would highly recommend their services.

Josip P.

We will always be grateful for all Bernardine has done for us getting over the line securing our forever home. She was there for us every single step and super easy to deal with. True professional full of experience and amazing human being. I would absolutely recommend Bernardine to anyone looking to start journey of buying home, one thing I know for sure we wouldn't do it without her. Bernardine huge thank you again from our little family

Jenny C.

Cormac is very helpful. Was straightforward over the phone application. His explanation was clear and simple.

MaikeL

Really happy with the service and help from Tiernan. He was so helpful from finding a bank to closing deal on buying an apartment. Would definitely recommend LowQuotes and Tiernan to anyone

Grace Mc C.

Well wow what can I say,I have never ever dealt with any insurance companies that have ever given me the experience I had with low quotes.i dealt with seamus phelan and from start to finish this guy was amazing he was on top of his game.i felt so comfortable and I felt like he related to everything we spoke about.such an amazing guy working for such a fantastic company,people like him who work for such big companies are few and far between.low quote you got an amazing worker there,companies need more people like him I'll be 100perc returning again on renewal to the.thqnk u so much shamus and low quotes.id 100per recommend them and if ur feeling over whelmed deal with shamus he will make you feel very at ease.

Noel K.

Recently got mortgage protection from Aoife at lowquotes, she got us a great deal, was extremely helpful, explained everything clearly and answered all our questions no bother at all, I would highly recommend her

Ciara Mc D.

dealt with Cormac for my life insurance he was fantastic answered all my questions and helped me secure the best deal for my family and I. I would highly recommend him and this company they do all the hard work for you and get you fantastic deals at a fraction of the price.

Adrian M.

Really happy with the service and help from Rebecca. She was so helpful. Would definitely recommend LowQuotes and Rebecca to anyone looking for life assurance.

Yassine B.

I recently dealt with it, and I’m very happy with the experience. The process was smooth, professional, and clearly explained from start to finish.A special mention to Colin, the Financial Advisor, he was absolutely fantastic. Colin took the time to go through all the options with me, explained everything in a simple and honest way, and made sure I understood what was best for my situation. His professionalism, patience, and genuine care made the whole process easy and stress-free.

Derek L.

Everything went smoothly and efficiently. Aoife was kind and patient, taking the time to walk me through everything.

Sinead

Excellent service and Rebecca was very helpful

Emma Mc E.

Excellent service very professional and super friendly highly recommend Alan goes over and beyond for his customers

Tracy D.

Fast and easy process

Ita F.

Would highly recommend. Rebecca put us at so much ease and was prompt in getting back to us with any questions we had.

Kumar D.

Great service, LowQuotes Team is super supportive and special mention to Cormac Logue helping me with entire product explanation and which helped to go for correct/suitable product as per our current requirement.

Adrian T.

I had a great experience with LowQuotes, and I’d like to give special thanks to Cormac Logue for making the mortgage protection process smooth and stress-free.His professionalism, responsiveness, and efficiency really stood out. Everything was handled quickly and clearly — I couldn’t have asked for better support.Highly recommend!

Roxanne S.

Great service, quick response, was very helpful in picking health insurance

Aisling M.

Bernadine was consistently supportive throughout the whole journey applying for our mortgage. Even when it got stressful for us, Bernadine kept us grounded and on track.

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.

Meet our Team of Expert Advisors

Craig Haslam

Life & Protection Team Leader

Alan Broderick

Life & Protection Department

Colin Bailey

Life & Protection Department

Isabel Humphreys

Life & Protection Department

Seamus Phelan

Life & Protection Department

Rebecca Sharpe

Life & Protection Department

Maik Ikponwen

Life & Protection Department

Conor O'Hare

Life & Protection Department

Aiden Butler

Life & Protection Department

Sarah Rogers

Life & Protection Department

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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

Life Insurance

Tax free payout to your family if you pass away.

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Serious Illness Protection

Tax free payout on diagnosis of up to 40 critical illnesses.

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Mortgage Protection

Pay off your Mortgage if you pass away.

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Multi Claim Protection Cover