Mortgage Protection

Mortgage Protection - Life & Illness - Aviva

Aviva

(01) 845 0049

Mortgage Protection - Life & serious Illness cover from Aviva, is most definitely one of most comprehensive policies on the Irish Market and although a bit more expensive than other options (about 10%), the Aviva Care benefits are exceptional.

The premium will remain fixed throughout and assigning the policy to your lender is made simple. Adding serious illness cover to this policy means that in addition to your life cover, you will also be covered for 97 specified serious illnesses during the policy term.

Mortgage Protection

Main Benefits

Should a death claim occur during the cover term, a tax-free payment will be made payable, to your mortgage lender to clear the mortgage a leave a small residual.

If you are diagnosed with one of 97 specified serious illnesses during the term of your policy, a tax-free lump sum will be paid out. 52 full payment illnesses and 45 partial payment illnesses are covered, including the 3 major full payment conditions of cancer, heart attack, and stroke. The survival period prior to a claim pay-out is 10 days.

Additional Complimentary Benefits

Digital GP

It’s not always easy or convenient to get to the doctors’ surgery. With Aviva Digital GP you can get an online appointment with a doctor without having to wait for a face-to-face appointment. The Aviva Care digital GP service is a private doctor service offering you and your immediate family access to clinical advice and guidance in non-emergency situations. At home or on holiday, it offers the peace of mind of being able to speak to a doctor quickly, at a time that suits you.

Family Care Mental Health Support

Managing your mental health is just as important as your physical health. When life brings new and unexpected changes, its normal to feel anxious, stressed or low. Whatever your challenge, you’re not alone. Our professional team of Psychologists are here if you’re:
• Overwhelmed, stressed or anxious
• Feeling low, depressed or lonely
• Need help managing the emotional impact of life events
 
Family Care gives you access to a wide variety of specialised forms of therapy, including counselling and Cognitive Behavioural Therapy.
 
Best Doctors Second Medical Opinion
 
If you or a member of your family become ill or had an accident, it would be reassuring to know that you had the correct diagnosis and treatment plan. With Best Doctors, you can get a second medical opinion from a world leading expert to double check a diagnosis, investigate alternatives or get additional treatment options for any condition affecting your quality of life. You get access to 50,000 world-renowned specialists with 450 specialities and sub specialities who will work with your own doctors and consultants to advise on the best course of physical action. It can also be used for conditions diagnosed before taking out your cover with Aviva.
 
Bereavement Support
 
Losing a loved one isn’t easy. So, it might help to know there’s help on hand through bereavement counselling. When you or your spouse/partner need someone to talk to, our team of counsellors and psychologists are just a phone call away.

We cover each of your children for the lesser of €5,000 life cover or 10% of the sum insured life cover for as long as you are covered.  Aviva will only pay one claim for each child, no matter how many plans you have with them.

Children are also covered for the same specified illnesses as the policy holder/s, subject to a maximum of €25,000 for full payment illness and €7,500 for partial serious illnesses.

By “children” or “child” we mean any child, stepchild or adopted child of yours who is aged 30 days or more and who is under the age of 21 or under the age of 25 if in full time education.

Aviva will pay out the life cover amount if you’re diagnosed with an advanced or rapidly progressing incurable illness. Your life expectancy must be less than 12 months in the opinions of both an attending consultant and our Chief Medical Officer.

If you increase your mortgage or extend its term, you can take out additional mortgage protection cover to meet your need for a larger amount of life cover. Aviva won’t ask for further evidence of your health as long as the term of your plan matches that of your extended mortgage, and the increase in your cover is no more than €40,000.

This cover kicks in from the moment you send us a fully completed and signed application form and direct debit mandate. You get cover for accidental death, up until we accept or decline your application. Aviva will pay out the lower of the life cover amount being applied for and €150,000. They will only pay once under this benefit in respect of any life insured regardless of the number of life
cover policies or applications for life cover a person has with Aviva.

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