Compare Serious Illness Quotes

Serious Illness Cover Quotes

    Get best value serious illness cover quotes in a matter of seconds. Our free online quotes comparison calculator instantly compares all Irish insurer specified serious illness quotes highlighting your best cover at the cheapest price. We have also made it easy to apply online and to receive your policy over email, so simply run your quote below!

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Compare serious illness cover quotes with Ireland's most comprehensive serious illness quotes comparison calculator.

Serious illness cover gives you peace of mind that you’ll receive financial support if you’re diagnosed with a serious illness during the term of your policy.

Our free easy to use serious Illness quotes calculator lets you easily compare quotes from all of Ireland’s leading insurers, including Aviva, Irish Life, New Ireland, Royal London, and Zurich Life

So, whether you’d like a single or a dual policy, or additional features like indexation, we’ll search the widest range of policies to find you the cheapest and most comprehensive quote in seconds.

Watch this short video to learn more!

Serious Illness Cover Quotes – Frequently Asked Questions

What is Serious Illnesses Cover

Specified Serious Illness Cover (sometimes called critical illness Insurance) is designed to provide you with a tax-free payout on diagnosis of a specified serious illness. It can be taken out on its own, known as a standalone cover or with a combined life policy known as accelerated cover. The Illnesses covered and policy claim conditions can differ amongst insurers in Ireland.

What is an Accelerated Serious Illness policy?

An Accelerated Serious Illness Cover policy is one that includes life insurance, so if you die from an accident or illness not specified within your insurance policy it will still pay-out the full sum assured. It also allows for a higher level of life cover than serious illness cover if required meaning that any serious illness claim pay-outs still leave a surplus life cover pay-out, should a death claim also occur within the policy cover term.

What Specified Serious Illnesses are covered?

Serious Illness Insurance covers a specified range of specified serious illnesses, with the majority of insurers now covering up to 70 illnesses and some up to 91. All insurers policies cover Heart Attack, Cancer and Stroke where the majority of claims occur. Other Specified illnesses typically covered include coronary artery disease, multiple sclerosis, kidney failure, motor neuron disease, blindness, major organ transplantation (including being on a waiting list for transplantation), benign brain tumor, severe burns, etc.

With some policies, your condition would have to be extremely serious before you could make a claim and in many cases more common illness, such as back injury and treatable cancers, aren’t covered at all.

Also, you usually won’t be covered if your illness is judged to be caused by drug or alcohol abuse, a self-inflicted injury or a failure to follow medical advice.

Why consider Serious Illness cover?

Serious Illness cover offers protection from the financial effects a specified serious illness or permanent disability can bring. It is designed to complement your life insurance if you have dependents and can be taken out a separate policy, or with your life insurance under the one policy.

How much Serious Illness cover do I need?

Remember Serious Illness Insurance is designed to pay out a tax-free lump sum if you are diagnosed with one of the specified serious illness listed on your policy. The cover amount you choose should take into account whether you already have Income Protection. Also, do remember any serious illness cover attaching to your mortgage is payable to the bank and not you directly. As a general rule of thumb, a multiple of 1 time annual salary is recommended.

What if I already have a serious medical condition?

It will depend on the nature of the condition and it is best to discuss this in confidence prior to making any application. In the event you are excluded from taking out serious illness cover due to your medical health, it may be worth taking out cancer cover only as an independent benefit.

What is a Continuation Option?

For a small additional cost, a continuation option is a very valuable benefit which allows you to extend your coverage under a new policy. You can use this option at any stage throughout your policy term, without having to provide any fresh evidence of health.

What’s the difference between joint and dual cover?

Joint cover means the policy will only pay out once, on one person, that person is the first to claim of the 2 people covered.
Dual cover will pay out again if a subsequent claim occurs during the policy term.

Joint cover policies are more suited to mortgage loan protection and dual cover to family protection. A dual cover policy also allows for different levels of cover on each person as required, so in effect offers better and more flexible cover, at very little extra cost.

Is the premium fixed?

Yes, we quote only guaranteed premiums without reviews. If you choose to inflation protect your cover (3% per annum) by including indexation, the cost should also increase at an average rate of 3% per annum dependent on the insurer.

For how long can I be covered?

You can choose the cover term; from 5 to 40 years. Some people choose to cover to retirement age, while others opt for a longer-term especially when combining this cover under a life insurance policy. However, serious illness cover won’t go beyond age 75, so if combining life & serious illness cover it can be a good idea to choose a policy term to age 75, with a continuation option so you can extend the life cover element to age 90.

Why choose to compare serious illness cover quotes?

With comparing serious illness cover quotes is made easy!

We are committed to making serious illness cover more transparent, accessible and affordable. We understand that finding your best value serious illness policy should be hassle-free and that’s why we compare all the leading providers in Ireland and allow you to tailor your quote to your individual budget and circumstances.

In fact, with One Quote you can save up to 10% with the market-leading policy, all policies offered are free from premium reviews, and our “best value guarantee” means we refuse to be beaten on price.

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