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 1261 reviews

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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.

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

Paul M.

Cormac Logue was fantastic at assisting us in our mortgage protection application from beginning to end. He explained everything so clearly and was very personable which put us at ease. He replied to every email very promptly and nothing was ever too much bother for him. We would highly recommend lowquotes.ie and will be contacting Cormac again in the future without hesitation. Excellent service!

Response from the owner: Hi Paul,Thank you so much for your fantastic review! We’re thrilled to hear about your positive experience with Cormac. It’s great to know he provided clear explanations, prompt responses, and excellent service throughout your mortgage protection application.Your recommendation means a lot to us, and we’re delighted to know you’d reach out to Cormac again in the future. If you ever have any further questions or need assistance, please don’t hesitate to get in touch.Best Regards,The LowQuotes Team

Yvette R.

We rang LowQoutes for a life insurance quote and got to speak to Aoife. She is an absolute star. She went above and beyond to get us sorted and made sure we had all the right information at hand. Even after the deal was done, she insisted we contact her anytime with any questions or concerns. We cannot recommend her and LowQuotes enough. A great company with brilliant staff.

Response from the owner: Hi Yvette,Thank you so much for your kind words and for taking the time to leave this fantastic review! We’re delighted to hear about your positive experience with Aoife. She truly is an asset to our team, and it’s great to know she went above and beyond to ensure everything was sorted and all your questions were answered.Your recommendation means a lot to us, and we’re thrilled that you found our service helpful and our team brilliant! If you ever have any further questions or need assistance in the future, please don’t hesitate to reach out.Best Regards,The LowQuotes Team

laura M.

Cormac helped me get my life insurance for my mortgage and I cannot recommend him enough. He helped me understand the process and pick the best cover for me and was always professional, timely, courteous and helpful.

Response from the owner: Hi Laura,Thank you for your wonderful feedback! We’re so pleased to hear about your positive experience with Cormac. It’s great to know he was able to guide you through the process, help you choose the best cover, and provide professional and courteous service throughout.Your recommendation means a lot to us, and we’re delighted we could assist you with your life insurance. If you have any further questions or need support in the future, don’t hesitate to get in touch.Best Regards,The LowQuotes Team

Sarah M.

I highly recommend using low quotes, We recently dealt with cormac for our mortgage protection he saved us a huge amount of time doing all the ground work and got us a great deal.. always rang at time that suited us fantastic service

Response from the owner: Hi Sarah,Thank you so much for your kind words and for sharing your experience! We’re thrilled to hear Cormac was able to save you time and secure a great deal for your mortgage protection. It’s fantastic to know he provided a service that was not only efficient but also tailored to your schedule.Your recommendation means a lot to us, and we’re delighted to have been able to help. If you ever have any questions or need assistance in the future, please don’t hesitate to reach out.Best Regards,The LowQuotes Team

Beverley P.

Ross Very helpful and quick to set up. Easy to talk to and efficient

Response from the owner: Hi Beverley,Thank you for your lovely feedback! We’re so pleased to hear that Ross was helpful, easy to talk to, and efficient in setting everything up for you.Providing quick and seamless service is our priority, and it’s great to know we met your expectations. If you have any questions or need further assistance in the future, don’t hesitate to get in touch.Best Regards,The LowQuotes Team

Pat D.

hassle free.very fast clear reply with clean cut links to all policies .very good all round.

Response from the owner: Hey Pat,Thank you for your fantastic 5-star review! We’re delighted to hear you found the process hassle-free and appreciated the quick, clear replies and easy access to all policies. Providing a smooth and straightforward experience is always our goal, so your feedback means a lot. If you ever need assistance again, feel free to reach out.Best Regards,LowQuotes Team

Anne Marie B.

Great service

Response from the owner: Hey Anne Marie,Thank you so much for your kind words and 5-star review! We’re thrilled to hear that you had a great experience with our service. Providing excellent support and making the process seamless for our clients is what we strive for every day. If you ever need assistance or have any questions in the future, we’re here to help!Best Regards,LowQuotes Team

Carel

Wow - I never expected the cheapest quotes to have such exceptional service. Highly informed and professional advisors with a quick turnaround. I 100% recommend this business. I dealt with Cormac Logue who could not do enough for me, patiently explaining all the options to ensure I got the right deal. And it was also the best quote out there.

Response from the owner: Hey Carel,We’re delighted to hear about your positive experience with Cormac. It’s great to know he was able to explain all the options clearly and ensure you got the right deal with exceptional service. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you ever need assistance in the future or have any questions, don’t hesitate to reach out.Best Regards,LowQuotes Team

Anna S.

Absolutely delighted with the service. Aoife explained to me all aspects of the policy and helped to choose tlthe one that suits me best. I highly recommend this company.

Response from the owner: Hey Anna,We’re delighted to hear about your positive experience with Aoife. It’s great to know she was able to explain all aspects of the policy clearly and help you choose the one that suits you best. We aim to make the process as smooth and tailored as possible, so your recommendation means a lot to us! If you need any assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Marion P.

Good service helps to navigate difficult plans and gives you exactly what you need

Response from the owner: Hey Marion,We’re so pleased to hear that you found our service helpful in navigating complex plans and finding exactly what you needed. Making sure our clients have a clear and straightforward experience is what we strive for, so your feedback means a lot! If you ever need assistance again, don’t hesitate to get in touch.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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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