Multi Claim Protection Cover

Multi Claim Protection Cover

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Multi Claim Protection Cover

Multi-Claim Protection Cover is a unique, severity-based policy which protects you from a broad range of possible health setbacks that may impact you in 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.

Google Reviews

4.9
Sinead R.
Sinead R.
We got our life insurance through Richard westman. With myself having a complicated medical past, Richard really tried hard to get us the best deal and to work with insurance companies to ensure a positive result. He spent a lot of time on our case and was really professional/ hard working. Highly recommend using Richards services to secure policies . Thanks again Sinead & Shane
Pritam S.
Pritam S.
I recently had the pleasure of working with Richie(Richard Westman), and I must say, the experience was nothing short of wonderful. From the moment I reached out for assistance to the finalisation of my insurance needs, Richie exemplified professionalism, expertise, and genuine care.
Charlotte R.
Charlotte R.
Aideen has been so helpful and I received such a professional service - Thank you. I am happy with my choice and would highly recommend Aideen / LowQuotes.
Danielle Mac L.
Danielle Mac L.
I had a fantastic experience with this company and Séamus Phelan. He was extremely helpful and kind. I couldn't have asked for a better broker. I appreciate all the help.
Bugra K.
Bugra K.
We had the pleasure of working with Richard to secure our mortgage protection, and we couldn't be happier with the experience. Richard went above and beyond to ensure that we not only found the right coverage but also understood every step of the process.His kindness, calm demeanor, and attentive listening skills truly set him apart. Richard was there every step of the way, patiently assisting us and addressing any concerns or questions we had. His dedication to his clients is evident, and it made all the difference for us during what could have been a stressful time.We highly recommend Richard to anyone in need of mortgage protection or any other financial services. Thank you, Richard, for your outstanding service and for making this process a breeze!
J S.
J S.
Delighted with the help and advice I got here, I now have a better policy which suits my needs for a lower price, all thanks to Shaun and low quotes, I would recommend this to everyone
melissa H.
melissa H.
Could not of been happier with my service and guidance from Richard, Cormac & Seamus. Richard went above and beyond to ensure 8 knew exactly what I was receiving and understood. Amazing 👏
Claudia Da Costa I.
Claudia Da Costa I.
Shaun was a true pleasure to work with throughout obtaining health insurance and couldn't have been friendlier or more help! recommend to anyone needing assistance.
Stephanie R.
Stephanie R.
Great information from Joe. He was very helpful and knowledgeable and tailored the policy to suit our budget and needs. Would recommend!
Debbie R.
Debbie R.
Myself and my husband dealt with Richard Westman for our life insurance policy. I'm not sure I can even give this man the justice he deserves with words. I have honestly never come across such a genuinely kind, caring, patient, non-judgemental, courteous man. He made the whole process so simple and easy, giving us all the information we needed without having to question him about anything. Richard went a step beyond to help us get the best policy at a budget we could afford. I highly recommend requesting Richard if you are ringing to look for a quote.
Helen D.
Helen D.
Colin provided outstanding support with my life insurance cover. He was knowledgeable and efficient, making the process smooth and easy. I would highly recommend Colin and LowQuotes as a provider.
Gerard O' R.
Gerard O' R.
Colin couldnt have been nicer.House sale was getting very near and I was afraid I wouldn't get life insurance sorted in time. 30 min phone call and I was covered and reassured the whole way through. Top man, excellent at his job and I couldn't recommended him enough.
Clodagh S.
Clodagh S.
Colin was very helpful and made the whole experience very easy, I would highly recommend him and low quotes
David H.
David H.
Dealt with Conor and he was great walking me through the stepsMade the process super easy and informative
Jordan L.
Jordan L.
Excellent service, I dealt with Richard Westman and from the very beginning he took care of me and answered all my questions and was very patient with me while he took to time to explain everything to me . Highly recommended 👌
Ashlinn C.
Ashlinn C.
Dylan has been incredibly helpful and friendly throughout the whole process of obtaining life assurance. He has been able to guide me and given great advice in an area I know nothing about, and has been brilliant in helping with any questions I have had since. Couldn't recommend more highly
Minjeong K.
Minjeong K.
I got both IP and SIC from Niall. I'm extremely satisfied the result I have now. He answered all my questions without judgement for me to choose the right option. I can't recommend him enough. Thanks Niall.
thomas C.
thomas C.
Excellent service, Richard was very helpful in helping us set up our life insurance
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Multi‑Claim Protection Cover is a unique product offered by Royal London

Policy Features

  • 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
Read More

MCPC Example

John is 35 and single with no children. He is a non-smoker.

He takes out a single life Multi-Claim Protection Cover policy to the amount of €80,000. He takes out the policy for a 20 year term.

His premium amounts to €23.68 per month.

Cover

€80,000

When diagnosed with cancer, John is referred for surgery in order to remove the tumor. 10% is paid out as an intermediate surgery is needed.

Multi Claim Protection Cover will therefore pay out 10% of Johns sum , i.e €8,000.

John is left with €72,000 to cover any future health setbacks covered under his policy.

Cover Remaining

€72,000

A few years prior to this John is diagnosed with testicular cancer. He is referred for radical inguinal orchiectomy at this time. During this time he also is refereed to chemotherapy and radiotherapy.

60% is paid out for his needed orchiectomy, radiography and chemotherapy fees equally between procedures.

Multi-Claim Protection Cover will now pay for 60% of John’s cover amounting to €48000.

So, now €56000 of John cover has been paid.

John is left with €24000 cover for any future health setbacks covered under his policy.

Cover Remaining

€24,000

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Multi Claim Protection Cover Information

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.

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.

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. 

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.

 

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. 

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

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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Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at Lowquotes.ie hope you, your family and your loved ones stay safe & healthy in this time.

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