Serious Illness Cover

Serious Illness cover can payout a tax free lump sum on diagnosis of a serious illness or on undergoing major surgery (subject to policy conditions).  

The most important use for Serious Illness cover is to protect your mortgage loan, which can be cleared off on diagnosis of serious illness.

Can cover medical bills.

Generally children under 18 years old are also automatically covered for the serious illnesses listed, but at a reduced cover amount.

For a quotation you can contact us with your details and requirements.

The advantages of serious illness cover over that of Permanent Health Insurance (PHI) are as follows: -

Serious Illness cover pays a lump sum instead of an income.

Serious Illness benefit lump sum is payable immediately on diagnosis of serious illnesss

(generally after 14 days) unlike PHI benefit which has to wait a deferred period of a minimum of 13 weeks.

No tax is payable on the lump sum, whilst PHI income is liable to income tax.

No requirement for income test for payout.

No requirement to be unable to work (however permanent & total disability cover require an inability to work). Benefit payment subject to once-off medical test only.

Easier to obtain on underwriting than for PHI cover.


The aim of this cover is to provide a cash lump sum in the event of diagnosis of one of the following illnesses.

  • Heart Attack
  • Stroke
  • Cancer
  • Heart Surgery
    • Coronary Artery By-pass
    • Angioplasty (not all policies)
    • Aorta Graft
    • Heart Valve
    • Balloon Valvuloplasty
  • Major Organ Transplant
  • Pulmonary Artery Surgery
  • Kidney Failure
  • Paralysis
  • Loss of Limbs
  • Multiple Sclerosis
  • Coma
  • Severe Burns
  • Benign Brain Tumour
  • Motor Neurone Disease
  • Blindness
  • Loss of Speech
  • Loss of Hearing
  • Bacterial Meningitis
  • Major Head Trauma
  • Chronic Liver Disease
  • Systemic Lupus Erythematosus
  • Creutzfeld-Jac
  • Loss of independent existence (before 65)
  • Permanent and Total Disability (before 65)
  • Aplastic Anaemia
  • Encephalitis
  • Cardiomyopathy

** Cover for these conditions will cease at age 65 unless you are covered for long term care at time of claim.

With most Assurance Companies you are automatically covered for new illnesses as they are added to the newer policies by the Assurance Company.

For a quotation you can contact us with your details and requirements.

Contact Details

Telephone 01 - 8038105 / 8038106  Mobile: 087 258 9894
43 The Dunes,
Co. Dublin,
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