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 1229 reviews

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Jithin C.

I recently consulted Cormac Logue for life, health and mortgage protection insurance. His insightful advice, professionalism and tailored solutions impressed me. Cormac's expertise ensured optimal coverage at competitive rates. His dedication and responsiveness made the process seamless. I wholeheartedly endorse Cormac for insurance guidance.

AMIT L.

Cormac helped with a cutomised mortgage protection policy. His advice was invaluable and kept me informed throughout the process. Highly knowledgeable, nice and an engaging person.

Beatrice E

I had an excellent experience with LowQuotes this year as they helped me with the purchase of my new home. As a first time buyer, Fiona and Bernadine were really helpful with the lengthy and sometimes complicated process and helped ensure everything went smoothly. I would strongly recommend LowQuotes mortgages for anybody looking to buy their new home.

Steph C.

Had the pleasure of dealing with Craig. From start to finish he was fantastic. Great service 👏

Response from the owner: Hey Steph,We’re delighted to hear about your positive experience with Craig. It’s great to know he provided fantastic service from start to finish! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Jerome J.

Cormac was excellent at explaining the different policies to me, very knowledgeable great asset to the company.

Response from the owner: Hey Jerome,We’re delighted to hear about your positive experience with Cormac. It’s great to know he was able to explain the different policies clearly and that his knowledge stood out. We agree – he’s a great asset to the company! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

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!

Response from the owner: Hey Rachael,We’re delighted to hear about your positive experience with Richard. It’s great to know he was able to explain everything clearly and secure a great deal for your Income Protection and Mortgage Protection. We aim to make the process 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.

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 👌

Response from the owner: Hey Sophie,We’re delighted to hear about your positive experience with Craig. It’s great to know he kept in touch every step of the way and made sure you were a priority while securing your Mortgage Protection. We aim to make the process 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.

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!

Response from the owner: Hey James,We’re delighted to hear about your positive experience with Niamh and the team. It’s great to know they went the extra mile for you! We aim to make the process 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

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.

Response from the owner: Hey Wendy,We’re delighted to hear about your positive experience with Richie. It’s great to know he was clear, patient, and efficient while helping with your quote and query. We aim to make the process 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

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.

Response from the owner: Hey Sijo,We’re delighted to hear about your positive experience with Ross and Alan. It’s great to know they were patient and thorough in helping you choose the right life cover for you and your wife. We aim to make the process 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

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.

Response from the owner: Hey Wayne,Thank you so much for your fantastic review! We’re thrilled to hear about your great experience with Colin and Courtney. It’s wonderful to know Courtney went above and beyond to make the process smooth during a stressful time, and that she was always available to answer your questions. We aim to provide that level of care and attention, so your feedback really means a lot to us! If you need anything in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

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

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