Multi Claim Protection Cover

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.

Google Reviews
Based on 1145 reviews
Michael F.
Michael F.
Bernadine Day was brilliant to deal with, she made the whole process so much easier. I would 100% recommend dealing with her to anyone. She was professional, friendly and had an absolute wealth of knowledge and guidance for every phase of the process.
David M.
David M.
I had the pleasure of working with Courtney for my mortgage protection cover, and I couldn't be happier with the experience. She was incredibly professional, helpful, and super efficient in handling everything. Highly recommend Lowquotes to anyone in need of mortgage protection cover.
Joan C.
Joan C.
Really friendly and knowledgeable people, made the business of understanding health insurance easy, it's pretty complicated trying to do this yourself. I felt our needs were listened too and the best policy for us was explained very well, together with alternative options if we wanted. Super priced policies.
John D Campbell Painting & D.
John D Campbell Painting & D.
Very helpful
emma H.
emma H.
Ross was extremely helpful and accommodating to deal with. Arranged calls with both my partner and I with times that suited us. Very thorough and explained everything to us. Will be recommending to others.
Natalie S.
Natalie S.
Claire was amazing, friendly and professional from start to finish, with no pressure to buy. She provided information on all of the products so we understand exactly what is covered. The cover is now much more appropriate for what we need with a bit of a saving. Everything was dealt with efficiently and effectively and I have a lot more peace of mind.
Vipula T.
Vipula T.
Great help provided
Jason D.
Jason D.
Very detailed explanation and quotation
stephen S.
stephen S.
Excellent customer service by Seamus. Real gentleman and spent a lot of time helping and supporting my request.Highly rate Seamus!
Arunkumar R
Arunkumar R
I got recommended by one of my friend for the mortgage protection. It was a great and smooth experience to deal with. I worked with advisor Richie during the process he explained everything in detail and also what i would be expecting and helped me to choose the right product based on our need. I would be always happy to work with them for all the future needs. Thanks again for the great work and keep up your great work Richie.
Regulo Antonio S.
Regulo Antonio S.
A huge thanks to Seamus Phelan for being super friendly and incredibly helpful throughout the process of getting mortgage protection insurance. He patiently guided me through everything and made sure I understood all the options before making any decisions. If you need life or mortgage protection insurance, I highly recommend reaching out to Seamus.
Olamide O.
Olamide O.
We highly recommend Bernadine Day of Mortgage Assist. Over the past two years, she has been incredibly patient and dedicated, guiding us through the mortgage process with expertise and care. Her professionalism and genuine concern for my financial well-being made a complex journey manageable. If you need a mortgage adviser who will go above and beyond, Mortgage Assist is the one to choose & Bernadine will get you sorted.
Katherine M.
Katherine M.
I dealt with Richard when trying to source mortgage protection, he was very patient and lovely to deal with over the phone very helpful. Highly recommend
Avril G.
Avril G.
Daniel B.
Daniel B.
Cormac logue was a gentleman on the phone explaining everything perfectly and couldn't be more helpful
Lorna L.
Lorna L.
Absolutely incredible support from Cormac in who helped me get insurance cover in place. It was my first time using this company and I will definitely be using them again in future. Cormac did everything from checking with underwriters to calling me when he said he would and gave me great peace of mind that I had the correct cover in place. He also knew that there was some urgency in getting my cover in place so he treated it with the highest of priorities. I am extremely impressed and a very happy customer.
Oisín B.
Oisín B.
Cormac Logue was very helpful with selecting the right mortgage provider for us
Patrick T.
Patrick T.
Great company to deal with. A special thanks to Colin Bailey for all his help in quickly sorting our life assurance. Colin was very friendly and extremely helpful in explaining all our options and organised cover in a matter of minutes over the phone. He took all the hassle out of arranging cover. Would highly recommend Colin and Low Quotes to anyone.

Benefits of Royal London Multi-Claim Protection

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:

Multi Claim example 1

Initial Policy and Coverage

  • John’s Profile: Age 35, single, non-smoker.
  • Policy Details: John takes out a single life Multi-Claim Protection Cover policy for €80,000 over a 20-year term.
  • Monthly Premium: €23.68.
Multi claim example 2

First Claim: Cancer Diagnosis

  • Health Issue: John is diagnosed with cancer and requires surgery to remove a tumor.
  • Payout: 10% of the total cover amount (€8,000) is paid out to cover the intermediate surgery costs.
  • Remaining Cover: John still has €72,000 of his coverage left for any future health issues.
Multi Claim example 3

Second Claim: Testicular Cancer Diagnosis

  • Health Issue: John is later diagnosed with testicular cancer, requiring a radical inguinal orchiectomy, radiotherapy, and chemotherapy.
  • Payout: 60% of the total cover amount (€48,000) is paid out to cover these extensive treatments.
  • Remaining Cover: After this payout, John has €24,000 remaining for any 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.

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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

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? 


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