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 1423 reviews

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Ritchel P.

I recently had the pleasure of dealing with Neil of LowQuotes.ie for our Mortgage Protection insurance. Everything was straightforward and he made sure that he answers all my questions. He made sure that we get a cover in all aspects without being too pushy so he provided us with options that we can consider. In the end, we still got a good cover that’s within our budget. He was very knowledgeable and made this insurance hunting for us like a walk in the park.

Theresa V.

We would just like to show our appreciation for the brilliant service & advise from Aoife Morgan.We are extremely happy with all that Aoife had to offer us i.e. the best quotations and available options.We are delighted with our choice, by getting all additional information needed, speedy feedback & all the value added from Aoife.Aoife are highly recommended, especially regarding her competency, efficiency & excellent communication skills.Thanks you very much & much appreciated.Theresa & Aubrey Staples

Response from the owner: Hey Theresa & Aubrey,We’re delighted to hear about your positive experience with Aoife Morgan. It’s great to know she was able to provide the best quotations, clear advice, and quick feedback to help you make the right choice. We really appreciate you highlighting her competency, efficiency, and excellent communication. That’s exactly the standard we aim for every time.If you ever need anything else or have any questions in the future, please don’t hesitate to reach out.Best Regards,LowQuotes Team

Rishi R.

I had the pleasure of dealing with Aoife Morgan regarding my life insurance, and I can confidently say she made the entire experience smooth, honest, and reassuring.She was incredibly patient throughout the process — never rushed me, always listened, and helped me understand all the options available. She guided me toward a life insurance plan that fits my budget, yet still gives my family solid protection for the future.Aoife also offered genuine advice and took the time to answer all my questions, even when I was unsure or needed clarity more than once.I truly appreciated her professionalism, kindness, and calm approach. I wish her continued success and prosperity — and would absolutely recommend her to anyone looking for insurance advice or support. She’s a real credit to her team and clients.Thank you, Aoife.

Response from the owner: Hey Rishi,We’re thrilled to read your thoughtful review, thank you so much for taking the time to share your experience with Aoife Morgan. It’s fantastic to hear how her patience, clear advice, and genuine care made arranging your life insurance smooth and reassuring.We’re especially glad you felt fully informed and supported every step of the way, that’s exactly the standard we strive for. We’ll be sure to pass on your kind words to Aoife, she’ll be delighted!If you ever need any further help or advice, please don’t hesitate to reach out.Best Regards,LowQuotes Team

Joan S.

I found Shaun to be very helpful in answering all my questions and explaining everything to me.

Response from the owner: Hey Joan,We’re delighted to hear about your positive experience with Shaun. It’s great to know he was able to answer all your questions and explain everything clearly. 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

Wesley S.

Bernadine was exceptionally helpful. She provided guidance and support at every stage of our mortgage application. I've already recommended her to friends and family, and would highly suggest anyone looking for a new mortgage, or to change an existing mortgage, reach out to Lowquotes.

Response from the owner: Hey Wesley,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she was able to guide and support you through every stage of your mortgage application. We really appreciate you recommending us to your friends and family — that means a lot! If you ever need any further assistance or have questions in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

James K.

Aoife guided us all the way. Very informative along with her sunny disposition even though we were discussing life (death) cover. Will check in with her again when we need other cover.

Response from the owner: Hey James,We’re delighted to hear about your positive experience with Aoife. It’s great to know she guided you so well and made the process informative and pleasant, even when discussing something as serious as life cover. We really appreciate your trust and look forward to helping you again when you need other cover in the future.Best Regards,LowQuotes Team

Aoife O.

Niamh was very helpful and efficient. Made the whole process easier than expected and answered all questions thoroughly.

Response from the owner: Hey Aoife,We’re delighted to hear about your positive experience with Niamh. It’s great to know she was able to make the whole process easier and answer all your questions clearly. 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

Caitlin C.

Colin was helpful, friendly, knowledgeable and professional. He made the process of applying for life insurance which I've been avoiding for months, a very simple, painless experience. I highly recommend asking for Colin if you're seeking similar cover.

Response from the owner: Hey Caitlin,We’re delighted to hear about your positive experience with Colin. It’s great to know he was able to explain everything clearly and make the process of applying for life insurance simple and stress-free. That’s exactly the kind of service we aim to provide!Thanks so much for your kind words and for recommending us—if you need anything else down the line, don’t hesitate to reach out.Best Regards,LowQuotes Team

Charlena M.

Colin was lovely to work with. Made the process very easy

Response from the owner: Hey Charlena,We’re delighted to hear about your positive experience with Colin. It’s great to know he made the process easy and enjoyable for you. That’s exactly what we strive for at LowQuotes!Thanks for taking the time to leave a review—if you ever need anything else, we’re just a call away.Best Regards,LowQuotes Team

Kirstie F.

There’s truly not enough words to describe how positive our experience was with Aoife. Getting into the discussion of life insurance, mortgage protection etc can be so daunting as a young couple, but having someone like Aoife talk us through and explain everything so throughly made that experience so much easier and comfortable. Her knowledge on these areas for someone of her age especially is outstanding and while covering sensitive subjects or situations she could not have been more reassuring or comforting. If I could give a 100 stars I would!

Response from the owner: Hey Kirstie,We’re absolutely thrilled to hear about your experience with Aoife. Navigating life insurance and mortgage protection can definitely feel overwhelming, especially as a young couple, so we’re delighted she was able to make the process clear, comfortable, and reassuring for you both.Aoife is a real asset to our team, and your kind words mean a lot—we’ll be sure to pass them on! If you ever need anything in the future, we’re always here to help.Best Regards,LowQuotes Team

Jekaterina M.

Absolutely amazing to have such a professional person as Aoiphe!!!!Fantastic job!!!

Response from the owner: Hey Jekaterina,We’re so pleased to hear about your experience with Aoife! She truly is a fantastic part of our team, and it’s great to know her professionalism made such a positive impression.Thanks so much for the lovely review—if we can help with anything else, just let us know.Best Regards,LowQuotes Team

nicole B.

We had a fantastic experience working with Neil. From the very beginning he was incredibly helpful, patient, and knowledgeable. All the information out there was very overwhelming, but Neil took the time to walk us through every step of the process, explaining all the details in a way that was easy to understand.What truly stood out was his genuine care and commitment to finding the best coverage for our needs and answered all our questions promptly and made sure we felt confident and informed before making any decisions. Neil's professionalism and friendly approach made the whole experience smooth and stress-free.We’re delighted with the service and would highly recommend Low Quotes to anyone looking for trustworthy advice and insurance and a reasonable price.

Response from the owner: Hey Nicole,We’re thrilled to hear about your fantastic experience with Neil! It’s great to know he was helpful, patient, and made everything easier to understand during what can often feel like an overwhelming process.Neil’s commitment to finding the best coverage and ensuring you felt confident and informed is exactly what we strive for at LowQuotes. We’re so glad he could provide that level of care and professionalism.Thanks so much for the lovely recommendation—if you ever need anything in the future, we’re just a message away.Best Regards,LowQuotes Team

Sean M.

Could not recommend enough!!Neil, who we dealt with made the whole process so simple and easy to understand.

Response from the owner: Hey Sean,We’re delighted to hear about your positive experience with Neil. It’s great to know he was able to explain everything clearly and make the process simple and stress-free. 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

Luke

Craig was great to deal with throughout the process

Response from the owner: Hey Luke,We’re delighted to hear about your positive experience with Craig. It’s great to know he made the process smooth and easy for you. We always aim to provide a straightforward and helpful service, so your feedback is very much appreciated!If you have any questions down the line or need further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team

Allan H.

The service from Aoife at Lowquotes was exceptional and very thoroughI was kept informed at all times during the telephone application regarding progress and all the relevant financial facts. The entire process was made very easy and stress free - thank you so very muchBest wishesAllan HarrisGP West Cork

Response from the owner: Hey Allan,We’re so pleased to hear about your exceptional experience with Aoife. It’s great to know she kept you informed throughout the process and made everything easy and stress-free. Providing clear, thorough support is exactly what we aim for, so your kind words mean a lot.Thanks again for taking the time to share your feedback—wishing you all the best!Best Regards,LowQuotes Team

5 starsBernadine Day, you are always eager to help. Your service is impeccable!You were recommended by a friend and you didn’t fail. You delivered,above my expectations .Thank you Bernadine,Thank you LowQuotes.-Adetutu

Response from the owner: Hey Adetutu,We’re so glad to hear about your 5-star experience with Bernadine! It’s fantastic to know she exceeded your expectations and delivered such impeccable service. We’re proud to have her on the team, and we’ll be sure to pass along your kind words.Thank you for the lovely feedback and for trusting LowQuotes—we’re always here if you need anything!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