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 1481 reviews

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Harsh S.

Great support provided by Aoife during the whole process!

Karen P.

Rebecca was very helpful and informative and easy to deal with, she explained the whole process in detail and followed up regularly, thanks for making it easy Rebecca

SarahJane M.

We worked with Aoife, who helped us navigate setting up our Life Insurance for our new home. Aoife was amazing! Throughout the whole process she was really informative, worked around our schedules and always followed up promptly with any questions we had. She found us the right policy for us and got everything set up in record time.

Clodagh L.

Shaun was very pleasant and informative on the phone discussing healthcare plans and offering advice on the most suitable form of cover!

Response from the owner: Hey Clodagh,We’re delighted to hear about your positive experience with Shaun. It’s great to know he was able to explain everything clearly and offer helpful advice on the most suitable healthcare cover 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

Seamus L.

Ross Kerwin was a great help to us. He laid out everything is easily relatable terms and answered all our questions . He went above and beyond to get us the best deal which we greatly appreciated. We wouldn’t hesitate for a second to recommend him and Low Quotes.

Response from the owner: Hey Seamus,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to explain everything in clear, relatable terms and go above and beyond to secure the best deal 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

Adam R.

Rebecca was great from start to finish!

Response from the owner: Hey Adam,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was able to support you from start to finish and make the process smooth. 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

Stephen D.

Spoke to a very friendly and helpful guy, Ross Kirwan was a real gentleman and helped me with the process which was quick and pain free.

Response from the owner: Hey Stephen,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to guide you through the process and make it quick and stress-free. We aim to keep things as smooth and simple as possible, so your feedback means a lot! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Mohamed N.

Ross has been absolutely brilliant from day one. He’s super easy to chat with, explained everything in a way that made sense, and was always quick to reply to our emails. Having him guide us through the mortgage protection side of things from July to mid-August really took a lot of the stress out of the process. We felt really looked after. Thanks again, Ross!

Response from the owner: Hey Mohamed,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to explain everything clearly and make the mortgage protection process smooth and stress-free. We always aim to take the pressure off and make things easy to understand, 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

Philson T.

I delt with Ross. He was very helpful and supportive and easily reachable. I very much recommend him.

Response from the owner: Hey Philson,We’re delighted to hear about your positive experience with Ross. It’s great to know he was helpful, supportive, and easily reachable throughout the process. We aim to make everything as smooth and straightforward as possible, so your recommendation 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

nicole M.

Aoife Morgan was spectacular, such a great help and made the whole process stress free.

Response from the owner: Hey Nicole,We’re delighted to hear about your positive experience with Aoife. It’s fantastic to know she was able to make the whole process stress-free and provide such great support. We always strive to keep things simple and smooth for our clients, so your feedback means a lot to us! If you need any further assistance in the future, please don’t hesitate to reach out.Best Regards,LowQuotes Team

Andrea G.

We had a great experience with Rebecca. She was very kind and patient with us, always available when we contacted her and very helpful if we had any doubts

Response from the owner: Hey Andrea,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was kind, patient, and always available to help whenever you had questions. We aim to make the process as smooth and supportive as possible, so your feedback means a lot to us! If you ever need further assistance in the future, please don’t hesitate to reach out.Best Regards,LowQuotes Team

Cathy M.

Rebecca was an absolute pleasure to deal with. She took the time to clearly explain every detail of our policy, making sure we understood and got the coverage we truly needed. On top of that, she secured us a fantastic deal on our life insurance, significantly better than what we had with our previous provider. Knowledgeable, patient, and genuinely helpful,Rebecca made the whole process stress free.

Response from the owner: Hey Cathy,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she took the time to explain everything clearly and helped you secure such a fantastic deal on your life insurance. We always aim to make the process stress free and ensure our clients feel confident with their coverage, so your feedback means a lot to us! If you need anything further down the road, don’t hesitate to get in touch.Best Regards,LowQuotes Team

Chloe M.

Dylan was an absolute pleasure to deal with. Every step was explained perfectly and Dylan was patient in allowing me to ask questions on anything I was unsure of. I would highly recommend, and I already have, several times! Thank you so much again.

Response from the owner: Hey Chloe,We’re delighted to hear about your positive experience with Dylan. It’s great to know he explained everything clearly and took the time to answer all your questions with patience. We really appreciate your recommendations – word of mouth is so valuable to us! If you need any further support in the future, we’re always here to help.Best Regards,LowQuotes Team

Niamh M.

Ross Kirwan was extremely helpful guiding me in the right direction with life insurance. He was very knowledgeable with the information he provided and also very patient with explanations. He made the whole process swift and stress free. Thank you

Response from the owner: Hey Niamh,We’re delighted to hear about your positive experience with Ross. It’s great to know he guided you so well through the life insurance process and made everything clear, smooth, and stress free. Your feedback means a lot to us, and we’re so glad Ross could support you in finding the right cover. If you need any assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Samuel I.

Cormac Logue has been immensely helpful for us in securing a policy. He is professional and knowledgeable. Thank you Cormac.

Response from the owner: Hey Samuel,We’re delighted to hear about your positive experience with Cormac. It’s great to know he was able to guide you with professionalism and knowledge while securing your policy. We aim to make the process as smooth and supportive as possible, so your kind words mean a lot. If you have any questions in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Ashley F.

I had the pleasure of speaking with Rebecca,what a gorgeous person she was.She went above and beyond of explaining everything to me about my life insurance policy and I was very happy with her.she is an asset to you company.Thank you Rebecca 😊

Response from the owner: Hey Ashley,We’re delighted to hear about your positive experience with Rebecca. It’s wonderful to know she went above and beyond in explaining everything about your life insurance policy and made the process so reassuring for you. She’s indeed a valued member of our team, and we’ll be sure to pass on your kind words. If you ever need anything in the future, don’t hesitate to get in touch.Best Regards,LowQuotes Team

Conor M.

Rebecca was excellent to deal with. She gave really good advice, was very kind and patient with us, responded quickly and clearly to all of our queries, and made the process as smooth as I could have hoped.

Response from the owner: Hey Conor,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she provided clear advice, was patient, and made the whole process smooth and straightforward for you. We’re proud to have her on our team, and we’ll be sure to share your kind words with her. If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Andreea G.

From the first call Bernadine has been an absolute please to talk to. Such a warm and knowledgeable person.I've started doing the mortgage process by myself and i got a bit lost in the process but Bernadine has put me back on the right path and even though she hasn't been my broker she has been my angel. Her words and information have put my mind at ease and gave me the confidence to keep going and stay calm and wait for the bank to come through.I am and i will always recommend Bernadine to everyone that plans to buy a house. She will definitely go beyond to help you and she will be there for you every step of the way.

Response from the owner: Hey Andreea,We’re so delighted to read your kind words about Bernadine. It’s wonderful to hear how she was able to guide you, ease your worries, and give you the confidence to continue through the mortgage process. Even when the journey feels overwhelming, our goal is always to make it clearer and more reassuring, and Bernadine truly shines at that. Thank you for your recommendation, it really means a lot!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