Multi Claim Protection 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 1224 reviews

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Rachael Q.

Brilliant service provided by Richard. Richard explained everything thoroughly making it easy to understand and got us a great deal for income protection and mortgage protection. Thank you!

Sophie P.

Craig had been extremely helpful in getting mortgage protection. He kept in touch every step of the way and ensured we were a priority. Highly recommend 👌

James R.

If you've busy life and need broker in your corner highly recommend LowQuotes. For going the extra mile, Thank you Niamh and all the team!

Wendy von M.

Richie was very helpful and very efficient in how he dealt with my quote and query. He was clear in his communication and very patient. I would highly recommend this company.

Sijo T.

Low Quotes was very helpful to choose the right life cover insurance for me and my wife. Thanks to Ross and Allen for their patience to make me understand about the different options and pros and cons.

Wayne F.

If we could give more than 5 stars we absolutely would! We dealt with Colin And Courtney, who are both fantastic! They made a very stressful time so smooth, Courtney went above and beyond for us, always at the end of the phone or email whenever we had any questions! So helpful, a pleasure to deal with! Thank you again! Could not fault a single thing with the entire process! Highly recommended to anyone.

Mack H.

Brilliant cormac made it easy as possible very quick

Response from the owner: Hi Mack,Thank you for your fantastic 5-star review! We’re so pleased to hear that Cormac made the process easy and efficient for you. We’ll be sure to pass along your kind words to him.If you ever need any further assistance, don’t hesitate to reach out. We’re always here to help!Warm regards,LowQuotes Team

Michelle C.

Richie was so helpful and knowledgeable on all things Income Protection. He was so accommodating to my busy work schedule and made the process completely hassle free.

Response from the owner: Hi Michelle,Thank you for your wonderful 5-star review! We’re delighted to hear that Richie was so helpful and knowledgeable in guiding you through Income Protection. It's great to know he was able to accommodate your busy schedule and make the process hassle-free.If you need any further assistance, please don’t hesitate to get in touch. We’re always here to help!Warm regards,LowQuotes Team

Rosie C.

Colin was so helpful in getting my life insurance thankyou so much

Response from the owner: Hi Rosie,Thank you for your fantastic 5-star review! We’re delighted to hear that Colin was able to help you with your life insurance needs. We’ll be sure to pass along your kind words to him.If you ever have any further questions or need assistance, don’t hesitate to reach out. We're always here to help!Warm regards,LowQuotes Team

Rose-Marie H.

We just purchased 2 policies with Craig and honestly he couldn't have been more helpful and an absolute pleasure to deal with . Craig advised us and his knowledge was impeccable regarding what we needed . Craig made this whole process simple and we are delighted to have dealt with him

Response from the owner: Hi Rose-Marie,Thank you so much for your wonderful 5-star review! We’re thrilled to hear about your positive experience with Craig. It’s great to know he could assist you so well and make the process simple and straightforward. We’ll be sure to pass along your kind words to him.If you need any further assistance in the future or have any questions, don’t hesitate to reach out. We're always here to help!Warm regards,LowQuotes Team

Leroy Mc D.

Low quotes has been a great team to have working on my morage. My team member was Bernadine who is a extremely hard worker who never gave up . Always on the phone if any issues had to be solved truly made the process alot less stressful i would recommend low quotes to anyone interested.

Response from the owner: Hi Leroy,Thank you so much for your amazing 5-star review! We're thrilled to hear that Bernadine was able to make the mortgage process less stressful for you. Her dedication and hard work really shine through, and we’ll be sure to pass along your kind words to her.If you or anyone you know ever need further assistance, don’t hesitate to reach out. We’re always here to help!Warm regards,LowQuotes Team

James M.

Bernadine was amazing to deal with, extremely helpful and we received a first class service throughout our mortgage application.

Response from the owner: Hi James,Thank you for your fantastic 5-star review! We're delighted to hear that Bernadine provided you with first-class service throughout your mortgage application. We’re proud to have her on our team and will be sure to share your feedback with her.If you ever need further assistance, please don’t hesitate to get in touch. We’re always here to help!Warm regards,LowQuotes Team

Helena O C.

Cormac was a gentleman and a pleasure to deal with want true everything whit me and made it so easy for me to understand how life insurance works thanks very much cormac

Response from the owner: Hey Helena,Thanks so much for your kind words and 5-star review! We're thrilled to hear that Cormac was a pleasure to deal with and made the process of understanding life insurance so easy for you. It’s great to know he was able to guide you through everything clearly. Thanks again for choosing us!Best regards,The LowQuotes Team

Y T

Cormac Logue provide very good and personal assistance arranging mortgage protection. All my questions were answered and requests delt with immediately. Good job with excellent communication.

Response from the owner: Hey Y T,Thanks for your kind words and 5-star review! We're so glad to hear that Cormac provided excellent communication and personal assistance while arranging your mortgage protection. We’re happy to have been able to answer all your questions and get everything sorted promptly.Best regards,The LowQuotes Team

Fiona B.

Dealt with Richie for this process. He was genuinely very helpful and informative.

Response from the owner: Hey Fiona,Thanks for your 5-star review! We're thrilled to hear that Richie was helpful and informative throughout the process. We appreciate your feedback and are glad we could assist you!Best regards,The LowQuotes Team

supriya S.

We had the pleasure of working with Craig to find the best life insurance for our needs, and we couldn’t be more satisfied with the experience. He was incredibly thorough, taking the time to explain all our options in detail and offering insightful advice to help us make an informed decision. He was also very prompt in his communication which made the entire process smooth and stress-free. We highly recommend Craig from lowquotes to anyone.

Response from the owner: Hey Supriya,Thanks so much for your wonderful review! We're thrilled to hear that Craig provided you with such a thorough and stress-free experience while helping you find the best life insurance for your needs. It’s great to know that his prompt communication and insightful advice made a positive impact. We really appreciate your recommendation!Best regards,The LowQuotes Team

Marie M.

Thanks Richard for all your help and guidance I can highly recommended and you made chocking apology so much easier with your direct help thanks again.

Response from the owner: Hey Marie,Thank you for your kind words! We're thrilled to hear that Richard was able to assist you with everything and make the process smoother for you. We truly appreciate your recommendation, and we're always here to help whenever you need us. Best Regards,Team LowQuotes

Aoife O.

Great experience using this company. Cormac was very thorough, knowledgeable and prompt with all communication and followed everything up. Very easy process..filled an enquiry online, followed by meeting online where everything was explained and different options provided ..no pressure and digital document signing simplified matters. Recommend this company 100%. Thanks, Cormac.

Response from the owner: Hey Aoife,Thanks so much for your kind review! We’re delighted to hear that Cormac was thorough, knowledgeable, and made the process easy and stress-free for you. It’s great to know that you found the online process smooth and convenient, with all options clearly explained. We really appreciate your 100% recommendation!Best regards,The LowQuotes Team

Paul F.

Cormac Logue was the person that dealt with our mortgage protection application. He was great offered us great advice and insights into what was best for us. Really professional while also being personable. Would definitely come back for other products when time comes

Response from the owner: Hey Paul,Thanks so much for your 5-star review! We're thrilled to hear that Cormac provided great advice and insights during your mortgage protection application, and that you found him to be both professional and personable. We look forward to helping you with other products in the future when the time comes!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

Multi Claim Protection Cover