Serious Illness Insurance

Serious Illness Cover
Tax free lump sum

Serious Illness Cover

Tax free lump sum payout in the event of Serious Illness

Serious illness insurance pays you a tax-free lump sum if you are diagnosed with one of the specific illnesses or disabilities that your policy covers. It is also sometimes called ‘critical illness cover’.

A critical illness policy normally pays out a tax free lump sum on the diagnosis of certain specified critical illnesses. Typically payment will be made in respect of Cancer, Heart Attack, Stroke, Blindness, Deafness, Coma, Loss of Speech, Motor Neurone Disease, Multiple Sclerosis as well as a range of other conditions. Over recent years the number of diseases covered by a typical policy has increased to more than 40. One normally has to survive 14 days after the diagnosis of a serious illness to ensure payment.

With rapid medical advances the chances of surviving a major illness are greater than ever. However the financial consequences of suffering a major life changing illness can be very substantial. The one-off payment from this type of policy is designed to help you cope with these costs which will typically include the need to adapt your home or car and/or undertake training for a different occupation.

ERM Financial Services can provide you with all the information and guidance you need.

Call us on 01 8454361

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