Your questions answered
If you require any further information or have other questions that are not listed below you can chat to one of our representatives live online. Click on the ‘Chat Now’ tab at the bottom of the screen to begin a live chat.
How much cover?
Serious Illness cover is an important part of your family’s protection. How much cover you need can vary quite significantly from one person to another. Ideally, you should cover the amount of loans that you currently have. If you have a high mortgage and the cost of serious illness is too expensive, look at covering half of your mortgage, or enough to cover your repayments for a few years. That will give you the peace of mind to concentrate on getting better.
How long do I need the cover for?
Again how long you need a serious illness policy for varies from person to person. Usually, it would be taken out for a similar term as your life cover plan or mortgage protection plan.
What type of Cover?
Serious Illness cover can be set up on its own, or in conjunction with your life insurance, and can be on a stand alone or accelerated basis. All of these options are explained in detail on the site and should help you decide on the type of cover that suits your needs best.
What if I need the cover in a hurry?
If you need the cover in a hurry, we suggest that you scan and email the application form/declaration and any other questionnaires that have been requested. This will speed up any decision from the insurance company. Please also post the application form/declarations to us. We would suggest you use swift post to ensure next day delivery. When returning your application you should mark your application “Urgent”. You can also Contact Us to discuss.
How do I apply?
- Firstly you need to obtain a quotation online – click Get a Quote.
- Enter your details and click “Get me a Quote”
- You will be offered the lowest quote available to you. If you are happy with the quotation, click “Proceed”.
- Leave the rest to us!
I am replacing an existing policy, when should I cancel this?
You should not cancel your existing policy, until your new policy is in force. Please note if you are replacing an existing policy, either completely or partially, you must make sure that this new policy meets your needs and that you are aware of the financial consequences of replacing your existing policy.
What if I need help with the application form?
You can email us at [email protected] or call us on 1890 300 388 from 9am until 6pm Monday to Sunday. You can also contact us via our Live Chat facility at the bottom of the screen. We will be happy to help in any way we can.
How will I know what stage my application is at?
We will email you within 24 hours of receiving your application and regularly afterwards to keep you up to date on where your application is at.
How long before I am on cover?
Usually it will take 5-7 working days from when we receive your fully completed application form & declaration, some applications may be accepted on the same day! Existing health conditions may delay the process, for example if you have High Blood Pressure, the insurance company may contact your doctor for a medical report.
Will I need to do a medical?
Maybe! More often than not, the insurance provider will not require you to attend a medical, but in some instances they will. This is usually dependant on the level of cover that you are looking for and your age. If you have an existing medical condition the insurance company may look for a report from your GP, or they may ask you to attend for a medical. There will be no cost to you for the medical.
When will I receive my Policy Documents?
Once the policy is accepted by the Insurance Company, you can confirm to us when you want the policy to start. Once received, we will post the original documents to you. This typically takes 5 days. We can also scan and email a copy of the policy to you if required.
What if I change my mind?
When you receive your policy documents, you are entitled to a 30 day cooling off period. This allows you to cancel your policy and you will receive a full refund of any premiums paid.
Can I claim tax relief on Serious Illness cover?
No. Serious Illness cover does not attract any tax relief.
Can I cancel my policy?
Yes. You can cancel your policy at any time. If you stop paying premiums, your policy will lapse and your cover will cease. There is no cash value at the end of this plan. Please note if your policy is to cover your mortgage, then you will need to get the mortgage providers permission to cancel the policy.
Is the discount only for year 1?
No! Unlike other discount brokers, the premium that we quote you is discounted throughout the term of your policy. This can amount to thousands of euro in savings over the course of your policy.