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 1272 reviews

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jo M.

What an incredible service. I had the pleasure of working with Niamh. From start to finish, she was so patient and is a true wealth of knowledge as I went through my mortgage hunt/journey/adventure.Most importantly, Niamh was the one who made that phonecall we all want, she got it done. A phone call no one would forget.Thank you Niamh.

leona K.

Seamus Phelan helped myself and my husband set up life insurance recently and I honestly can not recommend him enough. His knowledge and expertise is fantastic and nothing was too much trouble. He made it all so easy to understand and really fit the policy to our needs. We can't recommend Seamus and LowQuotes enough. I would give Seamus more then 5 stars if that was an option. Happy Christmas to everyone there.

Response from the owner: Hi Leona,Thank you so much for your amazing review! We’re absolutely thrilled to hear about your positive experience with Seamus. His knowledge and expertise truly shine in how he tailors policies to fit each client’s unique needs.It’s fantastic to know that he made the process easy and stress-free for you and your husband—just the way we aim to do for all our clients. Your kind words mean the world to us, and we’ll be sure to pass on your compliments to Seamus.Wishing you and your family a wonderful Christmas and a happy New Year! If you ever need assistance in the future, don’t hesitate to reach out.Best regards,The LowQuotes Team

Natalie H

A special huge thank you to Aoife on helping us to sort out everything for us with our new home. We highly recommend LowQuotes, 5 star service!

Response from the owner: Hi Natalie,Thank you so much for your kind words! We’re delighted to hear that Aoife provided such fantastic support in helping you with everything for your new home. Moving into a new home is a big milestone, and we’re thrilled to have been part of it.Your recommendation means the world to us, and we’re always here if you need assistance in the future. Wishing you all the best in your new home!Best regards,The LowQuotes Team

Ross S.

Dealt with Shaun reference health insurance very knowledgeable with over 10 years experience in this area, tells it like it is in the industry.This was one of the easiest preprocesses I have done ,would easily recommend.Regards,Dwayne.

Response from the owner: Hi Dwayne,Thank you for your wonderful feedback! We’re delighted to hear that Shaun’s extensive knowledge and straightforward approach made the process so easy for you. It’s great to know you had such a positive experience with your health insurance.Your recommendation means a lot to us, and we’re always here if you need assistance in the future!Best regards,The LowQuotes Team

uchenna I.

Niamh from LowQuotes was extremely helpful throughout the journey of obtaining my mortgage. She made the journey very stress free and was always on the ball upto the final drawdown. I strongly recommend her.Thanks a million times.A big congrats to myself 😊

Response from the owner: Hi Uchenna,Thank you so much for your amazing review! We’re thrilled to hear that Niamh made the journey of obtaining your mortgage so stress-free and seamless. Her dedication and attention to detail truly shine, and it’s wonderful to know you had such a positive experience.Congratulations on your new mortgage, and thank you for your strong recommendation! If you ever need assistance in the future, don’t hesitate to reach out.Best regards,The LowQuotes Team

Muhammad A.

Excellent service. Aideen very clearly answered my queries. 100% recommended

Response from the owner: Hi Muhammad,Thank you for your fantastic review! We’re delighted to hear that Aideen provided excellent service and answered your queries so clearly. Your recommendation means a lot to us, and we’re thrilled you had such a positive experience.If you need any assistance in the future, don’t hesitate to reach out—we’re always here to help!Best regards,The LowQuotes Team

Rachel O.

Great service from Ross! Replied to my enquiry really quickly, ran through all the questions on the phone and had policy in place within 24 hours.

Response from the owner: Hi Rachel,Thank you for your wonderful feedback! We’re delighted to hear that Ross provided such prompt and efficient service, answering all your questions and getting your policy set up so quickly. It’s great to know we could make the process smooth and straightforward for you.If you ever have any questions or need assistance in the future, we’re always here to help.Best regards,The LowQuotes Team

Jordan A.

Ross helped us choose exactly what was right for us!! Great guidance and communication couldn’t recommend him highly enough

Response from the owner: Hi Jordan,Thank you so much for your fantastic feedback! We’re delighted to hear that Ross provided great guidance and communication, helping you choose exactly what was right for you. Your recommendation means a lot to us, and we’re thrilled that you had such a positive experience.If you need any further assistance, we’re always here to help!Best regards,The LowQuotes Team

Geraldine B.

We got our mortgage protection through Ross who was amazing from start to finish. He made us feel at ease with any questions we had as we were first time buyers and couldn’t have been more helpful. Highly highly recommend!

Response from the owner: Hi Geraldine,We’re thrilled to hear about your positive experience with Ross! It’s wonderful to know he made the process smooth and put you at ease as first-time buyers. Helping you navigate such an important step is what we aim for, and your kind words mean a lot to us.If you have any further questions or need assistance in the future, don’t hesitate to reach out. Thank you for recommending us so highly!Best regards,The LowQuotes Team

Arathy A.

Very helpful finding a quote with different company.

Response from the owner: Hi Arathy,Thank you for your kind review! We’re so glad we could assist you in finding the right quote across different companies. Your satisfaction is our priority, and we’re delighted you had a positive experience with us.If you ever need help again, don’t hesitate to reach out!Best regards,The LowQuotes Team

Matt W.

Brilliant service from Cormac Logue in sorting out Mortgage Protection Insurance. Great communication by phone and email. Cormac went above and beyond to contact the underwriter to have my circumstances looked at quickly. Best price of all quotations.Would recommend Cormac and Lowquotes to anyone needing life cover.Thanks again.

Response from the owner: Hey Matt,We’re delighted to hear about your fantastic experience with Cormac! It’s great to know he provided brilliant service, kept communication clear and consistent, and even went the extra mile to ensure your circumstances were prioritized. We’re also glad we could offer the best price for your Mortgage Protection Insurance. Thank you so much for your kind words and recommendation—it truly means a lot! If you ever need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Megan L.

Ross was great to deal with, phoned exactly when he said he would. He made the process so simple, one of our easiest decisions in the whole house hunting process. Great customer service, would highly recommend.

Response from the owner: Hey Megan,We’re thrilled to hear about your positive experience with Ross! It’s fantastic to know he kept his word and made the process so simple for you during such an important time. We understand how stressful house hunting can be, so we’re delighted we could make this decision one of the easiest. Thank you for your kind words and recommendation—it means a lot to us. If you need any help in the future, don’t hesitate to reach out!Best Regards,LowQuotes Team

Jojo

Ross was helpful and accommodating.He answered all of our questions, and allowed us to quickly have our mortgage cover.Thanks Ross for the help !

Response from the owner: Hey Jojo,Thank you so much for your kind review! We’re delighted to hear about your positive experience with Ross. It’s fantastic to know he was helpful, accommodating, and made the process of getting your mortgage cover quick and easy.Your feedback means a lot to us, and if you ever need further assistance, don’t hesitate to reach out.Best regards,LowQuotes TeamThank you so much for your 5-star review! We’re delighted to hear about your positive experience with Ross. It’s fantastic to know he was helpful, accommodating, and answered all your questions, ensuring you could quickly secure your mortgage cover.We’re thrilled we could assist you, and if you ever need anything else, don’t hesitate to reach out.Best regards,LowQuotes Team

sha s

I recently decided to purchase a property and knew I needed guidance as I hadn’t a clue what I needed to do! I found lowquotes online and decided to request a call. Straight away I knew this is who I needed to go with and I got given Niamh as a contact. Niamh was amazing and sorted my application for a mortgage and gave me every piece of information that I would need to gather along with some financial tips. I fell in love with a house and once again Niamh was there for the whole process. She was calm, clear, friendly and very organised. I know have completed the completions and straight away she put in a reminder to call me once my fixed mortgage would be finished! I couldn't recommend LowQuotes more to anyone they were great especially Niamh.

Response from the owner: Hey Sha,Thank you so much for your detailed and glowing review! We’re thrilled to hear about your fantastic experience with Niamh. Buying a property can be daunting, but it’s amazing to know that Niamh was there every step of the way—guiding you, providing financial tips, and making the entire process smooth and stress-free.Your kind words mean a lot to us, and we’re so glad Niamh was able to help you find your dream home. If you ever need further assistance or have questions down the line, don’t hesitate to reach out.Best regards,LowQuotes Team

Ben G.

If I could give Séamus and his team more than 5 stars I would. The team at low quotes, especially Séamus have been nothing short of exceptional. Nothing was ever an issue and we were always given the best advice we could get, he has truly gone above and beyond for us and we cannot thank him enough for all the help and advice he has given us with getting our policies in place to secure our forever home, thank you to the team at Lowquotes for all their help.

Response from the owner: Hey Ben,Thank you so much for your incredible review! We’re thrilled to hear about your positive experience with Séamus and the team. It’s fantastic to know that Séamus went above and beyond to provide exceptional advice and assistance, helping you secure your forever home. That’s exactly the kind of service we strive to deliver.Your kind words mean so much to us, and we’re grateful for the trust you placed in LowQuotes. If you ever need further support or advice, don’t hesitate to reach out.Best Regards,LowQuotes Team

Craig R.

Dealt with Cormac Logue very professional and talked me through everything I needed to know as I was unsure myself

Response from the owner: Hey Craig,We’re delighted to hear about your positive experience with Cormac Logue. It’s fantastic to know he was professional and guided you through everything you needed to know. Making sure our clients feel informed and confident is what we aim for! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Mike S.

Great service and very helpful

Response from the owner: Hey Mike,We’re thrilled to hear you had a great experience with our service! It’s wonderful to know you found our team helpful. Providing excellent support and guidance is what we strive for, so your feedback means a lot to us. If you ever have any questions or need assistance in the future, feel free to reach out.Best Regards,LowQuotes Team

Viv P.

Very helpful and stress free consultations and advice from Michael Joyce. Made process very easy.

Response from the owner: Hey Viv,We’re delighted to hear about your positive experience with Michael Joyce. It’s great to know he was able to provide helpful and stress-free consultations, making the process so easy for you. We aim to make everything 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,LowQuotes Team

yogesh T.

Alison was amazing to work with for my mortgage protection policy! She quickly helped amend the policy to meet the bank’s specific requirements, ensuring everything was sorted without delays. Her quick action and professionalism made a stressful process much easier.The entire experience was smooth and efficient, from getting a quote to finalizing the policy. Alison’s attention to detail and clear communication stood out, and I felt confident everything was handled perfectly. I highly recommend her and the team for their outstanding service!

Response from the owner: Hey Yogesh,We’re delighted to hear about your positive experience with Alison. It’s fantastic to know she was able to quickly amend your mortgage protection policy to meet the bank’s requirements and ensure everything was handled without delays. We aim to make the process as smooth and stress-free 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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Tax free payout on diagnosis of up to 40 critical illnesses.

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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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Here at LowQuotes, we want to ensure that our clients receive the highest standards of service. If you have a passion for connecting with people and aspire to thrive in a culture built on trust, integrity, dedication, and excellence, this could be the perfect fit.

Multi Claim Protection Cover