Multi Claim Protection Cover
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Multi Claim Protection Cover
Multi-Claim Protection Cover is a unique, severity-based policy which protects you from a broad range of possible health setbacks that may impact you in 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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Multi‑Claim Protection Cover is a unique product offered by Royal London
Policy Features
- 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
MCPC Example
John is 35 and single with no children. He is a non-smoker.
He takes out a single life Multi-Claim Protection Cover policy to the amount of €80,000. He takes out the policy for a 20 year term.
His premium amounts to €23.68 per month.
Cover
€80,000
When diagnosed with cancer, John is referred for surgery in order to remove the tumor. 10% is paid out as an intermediate surgery is needed.
Multi Claim Protection Cover will therefore pay out 10% of Johns sum , i.e €8,000.
John is left with €72,000 to cover any future health setbacks covered under his policy.
Cover Remaining
€72,000
A few years prior to this John is diagnosed with testicular cancer. He is referred for radical inguinal orchiectomy at this time. During this time he also is refereed to chemotherapy and radiotherapy.
60% is paid out for his needed orchiectomy, radiography and chemotherapy fees equally between procedures.
Multi-Claim Protection Cover will now pay for 60% of John’s cover amounting to €48000.
So, now €56000 of John cover has been paid.
John is left with €24000 cover for any future health setbacks covered under his policy.
Cover Remaining
€24,000
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Multi Claim Protection Cover Information
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.Â
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.
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.
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.Â
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.
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Claims paid more than once – with cover that continues Thankfully there are great strides in medical diagnostics and treatments more efficiently.Â
It also means that more people are likely to be diagnosed with and be successfully treated for a serious illness.Â
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.Â
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.Â
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
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.Â
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?Â
Yes.Â
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https://www.royallondon.ie/siteassets/site-docs/mcpc/rl-mcpc-brochure-dac.pdf
