Serious Illness Protection Quote

Also known as critical illness cover, this product provides a lump-sum payment in the event of a specified serious illness.

It helps with unexpected expenses while you focus on your recovery.

Protect you and your family’s well-being and future. Let us help you.

Real People. Real Savings. Real Reviews

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LowQuotes.ie4.9
Based on 1672 reviews
San
2 days ago
Was looking for quotes for renewal with Health Insurance! Got many quotes from various companies! But Shaun out shone the rest! He not only rang me and spent quite a bit of time explaining different health plans that would suit me & my family! Then emailed me, going into great detail!. He is excellent at his job! And would highly recommend him to help with and plans whatsoever!
joseph S.
4 days ago
Aoife Morgan was fantastic to deal with from start to finish. She helped us arrange our life cover policy and found us an excellent quote. She was always friendly, professional, and incredibly helpful, even taking the time to answer our questions outside of working hours and on weekends. We really appreciate all her support and would highly recommend her to anyone looking for life insurance or mortgage protection.
Svc C.
5 days ago
From our very first conversation, Shaun was professional, approachable, and incredibly knowledgeable. He took the time to fully understand my situation with mortgage and then worked to find the best possible solution for us. Shaun secured us an Protection Plan with competitive premium. What impressed me most was his attention to detail. He explained everything in clear, jargon-free language, compared all the options transparently, and made sure the policy would meet AIB’s requirements without any hassle. He was also extremely proactive with the paperwork and guided us through assigning the policy to AIB. The whole process was smooth, stress-free, and efficient. Shaun is trustworthy, responsive, and genuinely puts his clients first. It’s rare to find someone who combines great expertise with such great customer care. Thanks to Shaun, we got excellent cover and total peace of mind. If you need mortgage insurance in Ireland, Shaun Young is the person to speak to. You are gem for Low Quotes!!
Rory
5 days ago
Gerard couldn't have been more helpful, thank you
Tina D.
7 days ago
I can't recommend LowQuotes highly enough, especially Shaun. What should have been a straightforward policy turned into a long process that took months, but Shaun never gave up. He fought tooth and nail to get everything over the line for me. Throughout the entire process, he kept in regular contact, rang with updates, and made sure I always knew what was happening. His communication, persistence, and commitment to helping me were outstanding. Nothing ever felt like too much trouble. If you're looking for someone who genuinely goes above and beyond for their customers, ask for Shaun. His dedication and professionalism made a stressful situation so much easier. I will 100% be using their service again.Thank you again!
Gopikrishna N.
3 weeks ago
I recently worked with Aoife Morgan from Low quotes to set up my income protection policy, and I could not be happier with the service. They took the huge time to explain the differences between "Own Occupation" and "Any Occupation" clauses, ensuring I got the right coverage for my job. They also helped me align my deferred period perfectly with my company’s sick pay scheme to keep my premiums as low as possible. The process was completely transparent, highly professional, and stress-free. I highly recommend them to anyone looking to secure their financial future.
helen R.
3 weeks ago
Thanks to Chloe Barry who was excellent yesterday helping me get my salary protection.
S L.
3 weeks ago
Bernadine's guidance throughout the process was incredibly helpful from start to finish. Would strongly recommend.
Michael F.
4 weeks ago
Dealing with Shaun was a breath of fresh air. This guy could not have been more helpful, and actually helped out with advice on stuff that's not in the scope of what he primarily works at. Top class!
Széplaki R.
4 weeks ago
Quick and professional service. Thank you, Cormac.
Ciaran M.
4 weeks ago
Shaun really looked after me and got me a fantastic plan and an even better price. Highly recommended.
ciaran O.
4 weeks ago
Aoife Morgan was extremely helpful and professional
Iva P.
1 month ago
I worked with Maik on an income protection quote, and I was genuinely impressed by the level of service I received. He was extremely polite, patient, and knowledgeable throughout the entire process. What stood out most was how he took the time to break everything down clearly in an email after I asked for written explanations; it made my decisions so much easier. I did compare quotes elsewhere, but his approach and willingness to explain every detail in a way that actually made sense really set him apart. He made the entire process less stressful and it was nice to chat to him. I’d happily recommend him to anyone looking for income protection or general insurance advice. In addition, LowQuotes had the best interactive site and the fastest response I came across in this process. Highly recommend. Iva
Clodagh S.
1 month ago
Had a wonderful experience with Niamh McCaul from Low Quotes. She was very professional and efficient. Very impressed with the service and I will return to this company in the future. Many thanks Niamh
Craig
1 month ago
Was a great enjoyable experience veey smpotg and easy with my mortgage insurance.thanks Colin for helping me out and making it a smooth easy experience
PRAMEESH T.
1 month ago
Cormac provided excellent assistance throughout the mortgage protection process. He was professional, responsive, and made everything simple and stress-free. I highly appreciate his support and would gladly recommend him to others.
christy J.
1 month ago
"Great service from chole Barry, she made arranging income protection insurance from Royal London, simple and easy to understand, found a competitive policy, and provided excellent support throughout. Highly recommended."
Shinu M.
2 months ago
Great service.
DJ 1.
2 months ago
Cormac Logue was very helpful throughout the process of assigning life cover. He was also very patient as a number of changes were required from my side along the way
Chinju N.
2 months ago
Chloe was brilliant. She was friendly, professional, and very knowledgeable. She explained everything clearly and made setting up my Income Protection policy simple and easy to understand. Excellent customer service and a credit to Royal London. Thank you, Chloe.
Claire M.
2 months ago
Niamh was fantastic. So patient and helpful, and nothing was ever a problem. Delighted with the outcome and I would definitely recommend.
Jean C.
2 months ago
Delighted with the service I got from Low quotes. Very competitive prices and brilliant service. Highly recommend. Aoife Morgan was the rep I was dealing with. She was very patient and listened to my every need and request. Couldn't recommend highly enough. She got me the best deals on my insurance and consolidated a few to make it a lot simpler for me ... Thanks Aoife
Aaron S.
2 months ago
Very understanding, gave great advice
Sreehari K.
2 months ago
I recently took out a life insurance policy and had a great experience throughout the process. The quotes offered were very competitive and affordable compared to others I looked at. Cormac Logue was extremely helpful, professional, and explained everything clearly, making the whole process simple and stress-free. I really appreciated the support and guidance provided from start to finish. Highly recommend Cormac to anyone looking for reliable advice on life insurance and financial protection.
Siobhan L.
2 months ago
Have dealt with Shaun over the last year on numerous occasions and he has always been so helpful and goes above and beyond to find the right cover. Highly recommend contacting Shaun for any health insurance quotes.
Astha A.
2 months ago
Can’t thank Cormac enough for helping us get the mortgage protection policy in time for our drawdown. Would definitely love to work with him in future for my investment and savings related needs. Highly recommend LowQuotes and Cormac.
Policey T.
2 months ago
My name is Dupe and I dealt with Aoife, An absolute gem!!! Very knowledgeable and most importantly helped to feel like I was putting the right things in place for my future and my kids. I highly recommend low quotes because of her 🥰
Reenu Mariam T.
3 months ago
Hi, I had a very great experience in setting up and discussing my plans with Alan, our Financial Advisor from Low Quotes. He is really very helpful, patient and helped us choose the right plan for our family. Really recommend Alan and the Low Quotes for any financial scheme or advice to be taken to secure our future. Thanks a lot.
Stephy B.
3 months ago
Cormac Logue was very patient and highly professional. His advice was clear and very helpful throughout the process. I really appreciated the support and guidance provided. Thank you
Jen N.
3 months ago
Chloe was a great assistance when guiding me through the minefield of Income Protection and successfully secured me a great quote with Royal London who I have taken out my policy with. Thanks for all your help Chloe! 💯 recommend Low Quotes.ie
Andrea G.
3 months ago
Great service and super helpful and friendly staff 😊
Aft G.
3 months ago
Shaun Young dealt with my enquiry with the upmost knowledge and professionalism. A credit to his company. DS
Enda K.
3 months ago
We started to look for a mortgage in January 2026. We spoke with Bernadine, and despite having many complications in our own situation, we drew down a mortgage and moved into the house of our dreams only 3 months later. I cannot recommend highly enough the service we recieved through bernadine at lowquotes.
Apeksha M.
3 months ago
We had a very smooth journey in the insurance process, thanks to Cormac Logue. He was quick to respond, prompt to follow up and was extremely helpful. We didn’t need to chase anything, he was proactive.Delighted with our experience, highly recommended.
Brigid R.
3 months ago
We had a great experience dealing with Low quotes and specifically Cormac Logue. He made the process so easy and simple and clearly explained the differences in the products we were looking at. Highly recommend.
claire M.
3 months ago
We had Seamus Phelan as our advisor for Income Protection. He was absolutely brilliant and made the process run so smoothly He responded quickly to emails and phone calls he was an absolute gent to work with and would highly recommend Thanks a million Seamus from Claire & Gareth
Garreth D.
3 months ago
Great advisor Alan Broderick easy to talk to and very helpful
Aideen F.
3 months ago
Cormac was a god send. He sorted us out with Mortgage protection really time efficiently. He even fitted us in at 8pm in the evening which we really appreciated which meant we didnt have to take time off work. He answered all our questions and explained everything really clearly to us without taking too long with the boring bits. Would highly recommended dealing with Cormac for all your mortgage protection needs!
venkata D.
3 months ago
We had a fantastic experience with LowQuotes during our home purchase journey. From start to finish, the process was smooth, transparent, and stress-free. The team was always responsive, professional, and genuinely committed to helping us find the best options. A special thank you to Niamh, who went above and beyond to support us every step of the way. Her guidance, patience, and attention to detail made a huge difference, and we always felt confident knowing we were in such capable hands. We truly appreciate all the help and would highly recommend LowQuotes to anyone looking for reliable and friendly service!
Ann D.
3 months ago
It was great dealing with Colin Bailey. We've saved an absolute fortune compared to our previous insurer. Thanks for everything Colin!
Laura M.
3 months ago
Aoife Morgan was a pleasure to deal with. Explained the jargon and made it easy to understand. Highly recommend.
Anna O.
3 months ago
I had a great experience with LowQuotes so far. All my questions were answered detailed, I got different quotations tailored to my requests. Happy with the service. Recommended.
Kiara M.
4 months ago
I would like to higly recommend Chloe Barry as my financial advisor she was kind and very patient during the process very nice person and explained everything very clearly I would love to recommend Chloe Barry to everyone who is looking for their coverage.Thank for everything Chloe
Josef T.
4 months ago
Had a really positive experience working with Aoife Morgan. She took the time to explain everything clearly, answered all my questions without any pressure, and made the whole process smooth from start to finish. Highly recommend.
Pratheek P.
4 months ago
I had reached out to LowQuotes after receiving delayed responses from another broker. I was in a bit of a hurry to acquire a mortgage protection policy. I'm glad I got in touch with Cormac Logue as he was excellent in defining all the requirements and expected timelines. Cormac was there with me every step of the way and it helped massively that he was knowledgeable and had ample experience dealing with the underwriters. Even when I had a hiccup with some details due to my own mistake, Cormac ensured me that he will get my updated policy documents issued on time. I recommend using LowQuotes for all your insurance needs and thank Cormac for his guidance.
Sylvia S.
4 months ago
I can definitely recommend Low Quotes to anyone that's looking for a professional and friendly experience when buying insurance. A massive Thank You to Colin who was an absolute pleasure to deal with, knowing the products and their features, recommending the most suitable one at a great price, answering all my questions and processing the application in no time. It was really refreshing having to experience such a great customer service. Colin you are a star! Thank you!
Ian W.
4 months ago
Cormac was very nice to deal with and through in his communication and giving us clarity on what we were looking for.

Benefits of having Serious Illness Protection

Serious illness cover provides essential financial protection and peace of mind, ensuring that you and your loved ones are protected against the financial impact of a severe illness. With extended coverage up to age 75, you receive long-term security even in later years. The policy offers a tax-free lump sum payout upon diagnosis, helping cover medical expenses, ongoing care, lost income, and other financial obligations. You can continue your policy without further medical assessments after the initial term with a convertible option, ensuring uninterrupted protection. Additionally, free coverage for children offers financial support in the event of a serious illness, allowing you to manage medical costs and take time off work if needed. Investing in serious illness protection safeguards your family’s financial future, enabling you to focus on recovery and well-being.

  • Cover up to age 75

  • Tax-free Lump Sum Payment

  • Continuation Option - Extend Cover Without Further Medical Assessment

  • Free Children's Cover

  • We Beat Any Competitors Quote

  • Quote, Apply, Sign, Online

  • Cover available in 10 minutes

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Your Questions Answered

Serious Illness Protection is a type of insurance that provides financial support if you are diagnosed with a serious illness. It pays out a lump sum, which can be used to cover medical expenses, loss of income, and other costs related to the illness. This coverage ensures that you and your family are financially protected during a difficult time. Learn more about Serious Illness Protection.

The likelihood of being diagnosed with a serious illness depends on various factors such as age, lifestyle, and family history. According to studies, illnesses like cancer and heart disease are common causes of serious illness claims. Read about the statistical likelihood and impact.

It’s advisable to consider Serious Illness Protection when you have financial dependents or significant financial obligations like a mortgage. Additionally, as you age or if you have a family history of serious illnesses, securing this coverage becomes increasingly important. Find out more on when to consider this coverage.

Serious Illness Cover typically includes a wide range of conditions such as various types of cancer, heart attacks, strokes, and major organ transplants. Each policy might differ, so it’s crucial to understand the specific conditions covered by your insurer. Detailed coverage information. Explore more information knowing 5 facts about serious illness cover.

If you don’t qualify for Serious Illness Protection, consider alternatives like income protection insurance or critical illness cover that might have different qualification criteria. Consulting with an insurance advisor can help you find the best options available for your situation. Explore alternatives.

Best Doctors and Helping Hands are additional benefits offered by some insurers. Best Doctors provide access to a global network of medical specialists for second opinions, while Helping Hands offers support services such as counselling and rehabilitation. Learn more about these benefits here and here.

Related Products

Mortgage Protection

Pay off your Mortgage if you pass away.

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Life Insurance

Lump Sum payment in the event of death. Includes Terminal Illness Cover free of charge.

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Income Protection

Pays you a replacement income if you are unable to work due to illness or injury.

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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.