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Royal London Joint Standalone Serious Illness

Helping Hand Benefit

About the policy

Royal London Insurance DAC

  • A lump sum will be paid out if you are diagnosed with one of the specified illnesses covered under your policy - you will have full cover against 50 specified serious illnesses and partial cover against a further 20 specified illnesses
  • Partial payment is up to €15,000 or 50% of your specified serious illness cover as of the date of diagnosis, whichever is lower
  • Your policy is suitable for family protection and business protection

Benefits

Children's specified illness cover

Pays 50% of the Specified Illness lump sum to a maximum of €25,000 if one of the life insured’s children aged between 1and 18 years of age (or up to age 21 if they are in full time education) is diagnosed with a specified illness.

Serious 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.

Helping Hand Benefit

Helping Hand Benefit gives you one-to-one personal support from your own Nurse Adviser from Red Arc, in order to help you and your family manage the effects that illness or bereavement can have. (In this context, ‘family’ means the spouse or partner of the Royal London Life assured and his/her children).

With over 15 years experience, Red Arc has a reputation for excellent service and can help with the provision of bereavement counsellors, speech and language therapists, face-to-face second medical opinion and more.

Joint Serious Illness

If you have availed of joint life cover with accelerated serious illness and either person is diagnosed with a specific serious illness within the term of the policy, a payment is made, the serious illness portion of the policy ceases and the life sum insured is reduced by the amount of the claim.

Terms

Quotation is valid for 30 days or until age next quarter (whichever is sooner). This quotation assumes that you are accepted by the insurance company at standard rates. Royal London Non-Smoker rates assume that you have not smoked or used any tobacco related products or nicotine replacement in the last 12 months. All premiums quoted include the 1% government levy. The minimum premium with Royal London is €15.15 per month or €181.80 per annum.

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