If you are diagnosed with a terminal illness, your life cover will be paid out, so long as there are 12 months or more until the policy is due to end.
A terminal illness is an illness that, according to the attending Consultant, has no known cure, has progressed to a point at which it is deemed incurable or is expected to lead to death within 12 months.
This option allows you to convert your cover to another policy without having to provide new evidence of health. You can use this option at any point over the course of your policy, up until the age of 85.
If you wish for your new policy to include a conversion option, you must exercise your conversion option before you turn 83.
Indexation ensures that your cover increases by 3% and your premium increases by 4% each year until you turn 75. This helps to protect the real value of your cover as time passes.
You can decline the automatic increase at any anniversary and if you decline the increases two years in a row, this option will be removed from your policy.
If you or a loved one are diagnosed with serious illness, Best Doctors can help. An in-depth review of your medical files will be conducted by a Best Doctors medical specialist to give a second opinion and to help verify your diagnosis and treatment options.
The process can reduce potentially serious complications that can result from a misdiagnosis, and can help you and your treating doctor determine the proper course of action. Best Doctors can also offer advice on additional chronic ailments you may experience.
Quotation is valid for 7 days or until age next quarter (whichever is sooner). This quotation assumes that you are accepted by the insurance company at standard rates. Aviva Non Smoker rates assume that you have not smoked/used any tobacco related products in the last 12 months. Aviva will class you as a non smoker even if you use nicotine replacement products or e-cigarettes (provided you have not smoked/used any tobacco for 12 months.) All premiums quoted include the 1% government levy. The minimum premium with Aviva is €20.00 per month or €200 per annum