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Why get critical illness insurance?

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Why critical illness insurance?

Critical illness, or serious illness cover, is an insurance policy which will pay out a fixed tax free lump sum should you become critically ill during the term of the policy. You can use this payment as you wish - to cover mortgage payments, help look after your dependents or pay for health-related costs such as a treatment plan whilst you get better. Critical illness insurance is designed to help you manage the financial implications of your illness and at Paddy Compare our partner critical illness insurance advisers will help give you that peace of mind.

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What type of cover do I need?

There are three main types of critical illness cover: stand alone serious illness cover which is separate to other life policies will pay out upon successful claim; accelerated serious illness cover is a combined life insurance and serious illness policy which will pay out a benefit on diagnosis and the life cover will continue but be reduced by the amount paid out; additional serious illness cover is the same as accelerated only that the level of life cover remains the same after pay out of the serious illness benefit. It is important to consider the various types carefully and discuss your requirements in detail with our partner advisers.

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How much cover do I need?

The type of critical illness cover you need is entirely dependent on your personal circumstances. Before getting a quote for critical illness insurance, you should think about the following questions and how they may or may not affect your own situation should you become ill: do I have a number of household bills I need to have covered; does my illness require me to take out private medical insurance of which the cost will need to be covered; do I have rent or mortgage payments; or do my dependants need to be provided for? You will also have to consider how much you earn every month, how much you then spend on bills, the amount remaining on your mortgage or any other debts you have and how much you can afford to pay without cover should you fall ill.

How does it work?

You decide how much cover you want, who it is for and how long for. You then pay the premiums during that term typically on a monthly basis. Cover can range from €10,000 to over €1 million, can be over 5 to 40 years and you can get a single, joint or dual policy. You should be ensure to discuss your requirements with one of our partner brokers as it is important to get the details right.

What does critical illness insurance cover?

The most common claims are for cancer, heart attacks, strokes, MS, kidney failure, coronary artery by-pass graft, dementia and Parkinson's disease. The details of what is covered will vary by policy, so it's best to carefully read your policy documents and ask our partner insurance broker any queries you may have when they call you. Generally pre-existing conditions and hereditary illnesses are excluded.

How much does critical illness insurance cost?

The cost of critical illness cover will depend heavily on your age, premiums will be generally higher the older you get due to an increased risk of illness. The cost of the policy will also depend on the amount of cover you are looking for, if you have any pre-existing medical conditions, the term of the policy and your personal circumstances, all of which can result in a dearer level of cover. The best way to get cheaper critical illness insurance is to shop around and compare prices and even consider paying a greater excess. If you take out joint cover this will generally be cheaper than taking out two policies.

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What are the different types of benefit available?

Every policy is different and tailored to your needs, speak to our advisers and get the right critical illness insurance cover today.

Surgery payment

If you require surgery, this pays a percentage of your payment to cover the medical expenses costs while you are off work.

Accident payment

You could get a percentage of your monthly earnings should you be caught up in an accident and unable to work.

Hospital cash

If hospitalised you could obtain a payment to cover medical costs whilst off work.

Indexation option

This means that your cover increases with inflation and your payments increase year on year, for example 3-4%.

Overseas benefit

You will get a payment if you are required to go for surgey outside of Ireland.

Waiting list benefit

You will receive a part of your serious illness benefit if waiting on certain major surgeries.

  • Who offers critical illness cover in Ireland?

    The following insurers provide critical illness policies in Ireland, Aviva, Zurich Life, New Ireland, Royal London and Irish Life. Our partner brokers are able to arrange policies for you that will suit you and your requirements.

  • How to get the right critical illness cover?

    It is important to discuss your needs with one of our partner critical illness brokers. You have to be pick the right cover, the right term, ask yourself how much cover you need, work out which extra benefits you need, and decide which illnesses you want covered for.

  • Can I get cover for my children?

    Your children are usually covered automatically on your serious illness policy, and the claim will pay out up typically half the amount of the full payment to your children up to the age of 25 years old. For the claim to be successful you and your children must survive for 14 days or more from the date of diagnosis.

  • Can I get cover for cancers only?

    Yes, you can decide which illnesses you want to get cover for. Cancers are an option and you should discuss this in detail with one of our partner brokers. If specifying the cover to cancers only that may reduce the price of your premiums.

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