Serious Illness Cover

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What is Serious Illness Cover?

Serious Illness Cover pays a lump sum benefit in the event you are diagnosed with a Serious Illness specified by the policy. It can be built into your Life Insurance plan or provided as a Stand-alone plan. This page is for Standalone Illness policies. For Life & Illness, click here.

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 do I need Serious Illness Protection?

Death comes for us all. But Serious Illness is the biggest risk we face in life. Statistically you are more likely to suffer from Cancer, a heart attack or a stroke before the age of 65, than you are to pass away. 

In Ireland, 1 in 3 people are diagnosed with some form of cancer in their lifetime.

What if any of the above cause you to be unable to work? What if you and your family then struggle financially because of this? Does your employer cover sick-pay for serious illnesses? These are all the questions you should be asking yourself, and what can you do about it?

Thankfully, with medical advances, the chances of surviving a major illness are greater than ever.  However, A Serious Illness, as its name alone suggests; does indicate the possibility that you could be out of work for a very long time, maybe 6 months or longer. Leading to huge financial consequences.

The security of a lump sum payment, offers peace of mind with the knowledge that you will be able to pay your bills while you concentrate on getting better.  The funds can be used to pay off your mortgage, assist with utility and medical bills, and even fund the cost of home renovations if mobility access is required, provide after care support, or to undertake training for a different relevant occupation.

Who can be covered with Serious Illness Protection?

Single Cover

Only one person is covered under the policy. If this person dies within the term of the policy - The cover amount will be paid to the policy holders estate.

Dual Cover

Both people are covered under this policy and is a popular choice as it pays out on both the first death and the second death.

Joint Cover

Two people are covered under the one policy. But only pays out on one death. For example "Joint Life, First death" will pay out when the first person dies, and nothing when the second person dies.

Serious Illness Information

Frequently asked questions and answers

The best time to take out Serious Illness Cover is when you are healthy! The healthier you are with any protection product, the less expensive your premiums, as healthier individuals are less risk, being unlikely to have the same rate of claim as their counterparts.

This is especially the case for Serious Illness Protection, statistics show 75% of all protection claims paid out are related to serious illness protection alone.

Serious Illness Protection can be taken out as part of your Life Cover policy, Mortgage Protection policy or as a stand-alone policy, without life cover attached. When taken out as part of your life cover, there are 2 types of Serious Illness Cover. Stand-alone and Accelerated.

Most major illnesses are covered by our Serious Illness policies. Some less-common illnesses won’t be listed below. If you are unsure about a specific illness and whether it’s covered – It’s better to free-phone us on 1800-828-800.

Some major illnesses that are covered –
  • Cancer
  • Heart Attack
  • Stroke
  • Angioplasty for Coronary Artery Disease
  • Bacterial Meningitis
  • Benign Brain Tumour
  • Cardiomyopathy
  • Coronary Artery Bypass Graft
  • Heart Valve Replacement / Repair
  • Multiple Sclerosis
  • Parkinson’s Disease

Some of these additional benefits are only available from certain insurers. If you require any of them specifically, please notify us.

Free Additional Benefits
  • Children’s Specified Illness Cover
  • Advanced Payment for Heart Surgery
  • Children’s Overseas Surgery
  • Helping Hand
  • Best Doctors (Second Opinion)
  • Children’s Specified Illness Cover Partial Cover
  • Overseas Surgery

If you can’t get Serious Illness Cover for whatever reason, it might be worthwhile considering “Cancer Cover” Or “Multi Claim Protection Cover”, which we provide.

Need more information?

Call us for free. We’re always available to help.

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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.