Serious Illness Protection

Serious Illness Protection

Is your family covered in the event that one of you was diagnosed with a serious illness? Serious illness protection is a type of insurance that helps with the cost of hospital visits, medication, and lost income as a result of a serious or terminal illness. No family wants to experience serious illness, but by taking out serious illness protection insurance, you can rest assured that you can remain financially secure in the event that your family do experience this unfortunate turn of events. By working with a range of insurance providers, the team at Ken Regan Financial Services Ltd can help you pick a serious illness protection plan that suits your individual and family needs. We offer protection for adults and children, with a range of benefits and flexible add-ons such as income protection and mortgage protection available.

If you want to take out a serious illness protection plan, book an appointment now

What Serious Illness Protection Plan Will Suit Me?

There are two types of serious illness protection plans: standalone cover and accelerated cover.

  • Standalone cover will give you a predetermined lump sum if you or your children are diagnosed with a specified illness during the term of your policy. This policy term is usually between 5-40 years, and can be organised on a single, dual or joint life basis.
  • Accelerated cover provides a lump sum payment in two circumstances: the death of the named person on the policy or the diagnosis of an illness as named on the policy. Accelerated cover’s policy term is usually between 5-40 years and can be taken out on a single, dual or joint life basis.

Ken Regan Financial Services Ltd offers completely flexible and customisable serious illness protection insurance plans, including:

  • Terminal Illness Benefit
    If you have been diagnosed with a terminal illness and have less than 12 months to live, terminal illness benefit provides an advance payment of a percentage of your death benefit. Following your death, the rest of your serious illness protection insurance will be paid out to loved one to cover your funeral and income loss.
  • Hospitalisation Cover
    If you have been hospitalised, hospitalisation cover insurance can help. Our hospitalisation cover can pay you from €50-€200 each night of your hospital stay if you stay over 3 consecutive nights.
  • Children’s Cover
    If one of your children becomes seriously ill or is hospitalised, children’s cover will pay you out a percentage of your premium to cover costs. In the tragic event that one of your children passes away, children’s cover death benefit is payable.
  • Optional Cover
    Ken Regan Financial Services Ltd offers optional cover to boost your serious illness protection insurance plan, including mortgage protection insurance and income cover protection in the event that you or a loved one is seriously ill or dies.

Serious Illness Protection FAQ

  • What is serious illness protection?

    Serious illness protection is a branch of life cover or life insurance that comes in different packages and pays for hospital visits, funeral costs, medication costs or family expenses in the event that you or someone in your family is diagnosed with a serious illness.

  • Is cancer covered by serious illness protection insurance?

    In many policies, cancer is covered under serious illness protection insurance. Get in touch with Ken Regan Financial Services Ltd to take out a serious illness protection plan to suit your individual needs.

Book an appointment with us

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