Serious Illness Cover

Serious Illness Cover - Royal London

Specified Serious Illness Cover from Royal London provides cover for 100 specified illnesses, 60 full payment illnesses, and 40 partial payment illnesses, with the most comprehensive cancer and cardiac cover on the Irish market.

The policy also includes "Helping Hand" as well as a number of other complimentary benefits detailed below. Royal London is a market leader in the provision of comprehensive serious illness cover in Ireland, which uniquely includes specified Mental Illness Benefit for adults.

Serious Illness Cover

Complimentary Additional Benefits

Helping Hand is available to use from the day your policy starts – not just when making a claim. It doesn’t cost anything extra to use and your partner and children can use it too.

Some of the ways in which Helping Hand could benefit you:

  • face-to-face second medical opinion
  • speech and language therapists
  • oncology nurses
  • physiotherapy
  • cardiac rehabilitation support
  • complementary therapies
  • massage and reflexology
  • the provision of bereavement counsellors.


Royal London Ireland is owned by The Royal London Mutual Insurance Society Limited – the largest mutual life insurer in the UK and in Ireland in 2021 they paid put over 43 million in Claims.

Children’s are covered for the same specified illnesses as the policyholder subject to a maximum of €25,000 for full payment illness and €7,500 for partial. The child cover applies between the ages of 3 months and 18, or 21 if in full-time education.

With this, you can increase the level of your cover without providing any medical evidence, following any of these events:

  • Your mortgage increases, either due to the purchase of a new main residence or the improvement of your main residence;
  • You get married;
  • You have, or adopt a child.


The maximum increase you can make following any one of these events is the lower of €100,000 and 50% of the original level of cover for that benefit. This option ends at aged 55 years old or in joint policies when the older person reaches 55 years old.

In the event that you are diagnosed with a terminal illness and have less than 12 months to live, we will pay the full amount of your Life Cover as at the date of diagnosis. A terminal illness is an illness where, in the opinion of the attending Consultant and Royal London’s Chief Medical Officer, you will not survive the next 12 months.

  • Advance payment of benefit for heart surgery – This provides an upfront payment of up to €20,000 if you need specific heart-related surgery in the future.

We will pay €2,500 to a family member who has received a living organ as a one off cash lump sum if you, the life assured, donates a kidney, bone marrow or a portion of lung or liver to a family member.

The first month premium comes free, with you choosing your own, fully flexible policy start date.

Optional Added Features

Where chosen, this option allows you to convert your cover to another policy without having to provide new evidence of health. You can use this option at any point over the course of your policy, up until the age of 70. (If you are on a Joint, or Dual policy, you can use this option up until the oldest person on the policy turns 70). The maximum age to extend cover is to age 90, the highest on the Irish market.
Where chosen, Inflation Protection ensures that your cover increases by 3% and your premium increases by 4% each year. This helps to protect the real value of your cover as time passes.

Get in touch

Let's Talk

Schedule your free consultation right now.