Serious illness cover is a vital safeguard that provides financial security during life’s most challenging times. If diagnosed with a covered serious illness, this ensures you have the financial means to focus on recovery without the burden of additional financial strain. At GetLifeInsurance, we offer comprehensive serious illness cover tailored to meet the needs of individuals and families across Ireland, providing peace of mind when it matters most.
Our serious illness cover is designed to provide peace of mind during difficult times, offering several key benefits to help safeguard your financial wellbeing.
Getting started with serious illness cover is simple and straightforward. Here’s how the process works:
GetLifeInsurance.ie is committed to providing high-quality, affordable insurance solutions to families across Ireland. Here’s why we are the preferred choice:
Lump Sum Cash for your family in provides certainty for your family if the worst were to happen
Pays your mortgage in the event of death – peace of mind knowing your loved ones are secure.
Financial support if you are diagnosed with a serious illness.
Provides income if you are unable to work due to illness or injury.
Get tailored advice to suit your needs.
We ensure you get the best value in the market
We’re here to support you for the long haul.
Serious illness cover is an insurance policy that provides a lump sum payment if you are diagnosed with a serious illness covered by the policy. The payment helps with medical bills, everyday expenses, or any financial obligations during your recovery.
Common illnesses covered include cancer, heart attack, stroke, multiple sclerosis, and organ failure. The list of covered illnesses may vary depending on the insurer, so it’s important to review the policy details.
Life insurance provides a payout to your beneficiaries if you pass away during the policy term. Serious illness cover, on the other hand, pays out when you are diagnosed with a covered illness, helping you financially during recovery rather than at the end of life.
Yes, you can have both. Many people choose to add serious illness cover as an additiona to their life insurance policy or have it as a separate policy for more comprehensive coverage.
The cost of serious illness cover depends on factors such as your age, health status, amount of cover, and the length of the policy. Premiums will also vary depending on the level of cover and whether additional benefits are included.
Once a claim is approved and the lump sum is paid out, the policy will no longer provide cover for the illness you claimed for. However, you are free to use the payout as you see fit, even if you recover.
Yes, many people add serious illness cover to their mortgage protection policy. This ensures that if you are diagnosed with a serious illness, you will receive a lump sum that can help pay off your mortgage or cover other expenses.
Yes, most serious illness policies have a waiting period before claims can be made, typically between 14 and 30 days after diagnosis. You will need to survive for a certain number of days after diagnosis to be eligible for the payout.
Having a family history of serious illness may affect the terms of your policy, such as higher premiums or exclusions for certain illnesses. It’s important to discuss your family medical history with your insurer before purchasing cover.
Yes, many insurers allow policyholders to adjust their level of cover as their needs change. This may include increasing or decreasing the cover amount, subject to underwriting and terms of the insurer.
The processing time varies but generally takes a few weeks to a few months, depending on the complexity of the claim and the documentation required.
Premiums are based on factors such as your age, health, lifestyle, coverage amount, and the number of illnesses covered.
No, premiums for serious illness cover are not tax-deductible in Ireland.
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