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A lump sum if you are diagnosed with a specified serious illness, to cover the mortgage, the bills and the time you need to recover. Compare the main Irish insurers in two minutes.
A senior advisor checks the amount, the term and the illness definitions with you before anything is set up.
Serious illness cover, also known as specified illness cover, pays a lump sum if you are diagnosed with one of the illnesses listed in the policy. You choose how to use it: clear debts, replace income while you recover, pay for treatment or adapt your home.
The illnesses covered, and how each one is defined, vary from insurer to insurer. One insurer may pay in full on a condition another pays only in part. That is why we compare the definitions, not only the price.
Standalone cover is a separate amount. A claim pays the serious illness benefit and leaves any life cover in place. Accelerated cover is part of your life cover: a serious illness claim is paid from the life cover, which then reduces or ends.
Accelerated cover usually costs less, because the insurer pays once. Standalone cover protects more, because your family still has life cover after you claim. Some insurers also offer independent cover on the same plan as life cover. We price each way so you can see the difference.
Many plans also make a partial payment for less severe conditions or procedures. At Royal London Ireland, for example, the cover pays in full on 59 serious illnesses and makes a partial payment on 53 more, of €15,000 or 50% of the cover, whichever is lower.
Irish Life makes an additional payment on 23 listed conditions. Payments like these help when a diagnosis needs time off but does not meet the full definition. Plans from both also pay early on a terminal illness diagnosis.
| Feature | Standalone | Accelerated |
|---|---|---|
| What a claim pays | The serious illness amount | The serious illness amount, from your life cover |
| Life cover after a claim | Stays in place | Reduces or ends |
| Price | Higher | Lower |
| Suits | Families who need cover on death as well | Keeping the premium down |
Live prices from the main Irish insurers in two minutes.
Amount, term and the way you buy it agreed, with the definitions compared.
Your advisor goes through the health questions with you and submits the application.
Your policy issues, assigned to your lender if it is part of your mortgage cover.
Your advisor helps you through a claim if you need to make one.
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.
Each insurer publishes its own list and its own definition of each illness, so two policies at the same price can pay out differently. Your advisor compares them before you choose.
Enough to clear your debts and keep you going while you recover. Irish Life suggests, on average, about twice your yearly salary on top of the mortgage and other debts.
No. Serious illness cover pays one lump sum on diagnosis. Income protection pays a monthly income while you cannot work. Many people hold both.
Yes. The mortgage is then cleared on diagnosis of a covered illness as well as on death. It costs more.
On some plans. Royal London Ireland's cover, for example, includes the children of the insured for a share of the serious illness benefit.
Yes. Standalone cover can be bought without any life cover.
Checked 7 October 2026.
Two minutes online for live prices, then a senior advisor helps you compare the definitions.