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Standard serious illness cover pays out once and ends. Multi-claim cover pays a share of your cover for each covered illness, treatment or surgery, and keeps the rest in place for later. A senior advisor compares it with standard cover for you.
Your age, the cover you have today and what you want it to do. Two minutes, then a senior advisor is in touch with multi-claim and standard cover side by side.
Tax relief, contribution limits and the right plan differ between the three.
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Royal London Ireland's Multi-Claim Protection Cover pays a percentage of your cover based on how serious the illness, treatment or surgery is. There are eight levels, from 5% to 100%. Each claim reduces the cover left, and you can keep claiming until the full amount has been paid.
Life cover is built in, so if you die or are diagnosed with a terminal illness during the term, the cover that remains is paid. Your premium does not change after a claim, and there is no waiting period between claims for most events.
Claims are set by the impact on your life, not only by a list of diagnoses. Royal London Ireland's cover pays for cancer treatment such as chemotherapy and radiotherapy, heart attack, stroke, major and smaller surgery, long stays in hospital or intensive care, and losing the ability to manage everyday tasks without help.
Your children are covered too, from birth to 18, or to 25 in full-time education, up to €25,000 per child, without reducing your own cover. The full definitions are in the insurer's policy conditions, and your advisor goes through them with you before you apply.
Royal London Ireland's own example. Mary is 42 and takes €100,000 of cover over 20 years for €49.71 a month. She is diagnosed with breast cancer and needs chemotherapy, radiotherapy and surgery. Her premium stays at €49.71 a month after the claims.
| Claim | Share of cover | Paid to Mary |
|---|---|---|
| Chemotherapy | 20% | €20,000 |
| Radiotherapy | 20% | €20,000 |
| Major surgery to remove the tumour | 20% | €20,000 |
| Total paid | 60% | €60,000 |
| Cover left for the future | 40% | €40,000 |
| Multi-claim protection | Standard serious illness cover | |
|---|---|---|
| How it pays | 5% to 100% of your cover, by severity | A lump sum when a listed illness meets the definition |
| Number of claims | More than once, until the full cover is paid | One main payment, with extra payments for some listed conditions on many plans |
| A serious diagnosis | May pay less than 100%, depending on its impact | Pays the full amount if the definition is met |
| Life cover | Built in | Often combined with life cover |
| After a past illness | May be available, with related claims taken out of the policy | Past illness can mean exclusions or a decline |
Multi-claim cover suits people who want cover for a broad range of health setbacks and would value a payment for a less severe illness or an early treatment. Royal London Ireland says it may also suit people who could not get standard serious illness cover, such as people with diabetes or a history of heart attack or cancer, with the related claims taken out of the policy.
It is not designed to replace your income, and it may not pay 100% on a diagnosis that a standard policy would pay in full. If you want a large lump sum to clear debts on a serious illness, standard cover or income protection may fit better. Your advisor puts them side by side.
Your age, your health in broad terms and the cover you have today. The form takes two minutes.
Multi-claim and standard serious illness cover priced and explained side by side.
The amount, the term and the options agreed, and the health questions gone through with you.
Your advisor submits the application and deals with the insurer on any medical evidence.
Your advisor helps you with every claim on the policy.
We (Richie and Nickey) received excellent pension advice that was clear, honest, and tailored to my situation. Everything was explained in a way we could easily understand, and we felt confident making decisions about my future. Highly professional service and very reassuring throughout the process.
They made setting up a company pension on a deadline extremely easy and stress free. You can tell they understand the products inside out. Very approachable, great availability for support with instant and clear answers.
True Wealth was super efficient in locating my UK pension. They were very professional and responsive in dealing with the relevant pension organization. I would highly recommend True Wealth.
Thank you for the several calls to advise me. Great client attention! Eimear is fantastic! I had my pension sorted and a few insurances arranged. All the best.
Excellent service. Always there if I had any questions, would recommend without hesitation. A 5 star service. Thank you everyone.
Straight answers with the figures. If yours is not here, a senior advisor answers it in your review.
Illness and life cover that pays a percentage of your cover for each covered event, based on how severe it is, and keeps paying until the full amount has been used. Royal London Ireland describes its Multi-Claim Protection Cover as unique in the Irish market.
Standard serious illness cover pays a lump sum when a listed illness meets the policy definition, and the main cover then ends. Multi-claim cover pays smaller amounts for less severe events and keeps the rest of your cover in place.
Other insurers build extra payments into standard cover. Irish Life's Specified Illness Cover, for example, covers 48 main illnesses and makes an additional payment for 41 further listed conditions. We compare both approaches.
No. On Royal London Ireland's Multi-Claim Protection Cover the premium stays the same after a claim. It only rises if you chose indexation or increase your cover.
Often yes. Royal London Ireland can take out the claims linked to your history and cover you for the rest, along with the life cover. Your advisor checks this before you apply.
No. It pays a share of your cover when an event happens, not a monthly income while you cannot work. See our income protection page.
Royal London Ireland accepts applicants aged 18 to 65, for terms of up to 40 years, ending by age 70.
Checked 8 October 2026.
Two minutes online, then a senior advisor is in touch with both types of cover side by side.