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Mortgage Protection with Serious Illness

Best Doctors
About the Policy
  • Aviva Life & Pensions Ireland
  • Your life and specified illness cover will decrease throughout the term of your policy
  • A lump sum will be paid out if you die or suffer a specified illness within the term of the policy
  • Your premium will not change throughout the term of your policy
  • Your policy can be assigned to your lender (the proceeds of any claim would be paid to your lender to clear your mortgage)
  • Your cover can be a single or joint policy   

Features

Terminal Illness Benefit

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.

Childrens Life Cover

Each of your children will be covered for a life cover amount of €2,500 for the duration of the policy and only one claim will be paid per child. Your children are also covered for the specified illnesses covered by the plan.

For full-payment illnesses, either €25,000 or half of your cover amount will be paid, whichever is lower. The term, ‘children’ refers to any child, stepchild or adopted child who is aged between 30 days and 21.’

Specified Illness

If you are diagnosed with one of 51 specified serious illnesses during the term of your policy, a lump sum will be paid out. You will also be covered under Partial Payment Specified Serious Illness Cover for an additional 22 specified illnesses.

In accelerated serious illness, if the level of cover and illness amounts are the same and an accelerated illness claim is made then the policy ends after pay-out

A full list of illnesses covered is listed here

Best Doctors

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.

Guaranteed Insurability Option

This option allows you to increase the level of your cover by up to €40,000, and/or to increase your policy’s term without providing medical evidence, up until you turn 70.

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

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