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Specified illness Cover

This type of cover pays you a lump sum if you are diagnosed with one of the 44 common conditions covered by your policy, such as malignant cancer, heart attack (diagnosed) or stroke with permanent symptoms. This is also known as serious illness or critical illness cover. This kind of cover could help out should you be faced with medical bills, periods out of work or even having to adapt your home to make day to day life easier.

The Benefits:

  • 44 common conditions covered for full payment. For more information, please refer to the Term Life Insurance or Mortgage Life Insurance brochure.
  • Additional partial payments are offered for a further 21 conditions. The partial payment is €15,000 or half your Specified Illness Cover amount, whichever is lower. For more information, please refer to the Term Life Insurance or Mortgage Life Insurance brochure.
  • You can protect yourself with a single cover policy or you and your partner with joint/dual cover.
  • Your children, between the ages of 30 days and 21 years, are automatically covered for €25,000 or half your specified illness benefit amount, whichever is lower.
  • If you need certain surgeries, as outlined in the product booklet, your specified illness cover will be paid up to €30,000 immediately so you can choose where you will have your surgery yourself.
  • If you need a major organ transplant, as outlined in the product booklet, your full illness cover amount will be paid upfront.

Some important points regarding the specified illness cover available on this plan:

  • You must be aged between 18 and 59 to apply.
  • The maximum term is 40 years. The cover will end on the plan anniversary before your 75th birthday.
  • Irish Life Assurance Plc will not pay the specified illness cover if you die, only if you are diagnosed during the term with one of the covered conditions.
  • You can only receive one full payment under the plan. More than one partial payment may be made.
  • Once you claim your full payment for specified illness cover, that cover ends and we cannot make any further payment.
  • Irish Life Assurance Plc will not pay claims in certain circumstances, for example, if you have not given us full information about your health, occupation, pastimes or hobbies.
  • Protection plans are not savings plans and never have a cash-in value.
  • If you stop making payments you will no longer be protected and we will not return any money to you.
  • A claim will only be paid if you survive 14 days after diagnosis or have surgery.


Specified Illness Cover is provided by Irish Life Assurance plc.

Acceptance terms and conditions apply. EBS d.a.c. is a tied insurance agent of Irish Life Assurance plc for life insurance products.

Irish Life Assurance plc is regulated by the Central Bank of Ireland.

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