Specified Illness Cover

Illness can strike any of us at any time. When an illness is particularly serious it can have a major financial impact on you, your lifestyle and your loved ones. Very often a serious illness means that you would be unable to work and earn an income and sometimes even private health insurance won’t pay for all of the medical bills and lifestyle adaptations you may need to make.

This is where Specified Illness Cover can provide you with financial security and peace of mind. By paying out a lump sum in the event of you suffering one of a list of specified serious illnesses, your policy will take care of your most immediate financial needs. Your cover could also pay off outstanding debts and/or your mortgage.

At Cleere Life & Pensions we can help you choose the Serious Illness Cover that fits your needs and your budget.

How does Specified Illness Cover Work?

  • You can take out cover on a standalone basis or as an add-on to a Life Cover or Mortgage Protection policy.
  • You pay a premium which is based on the level of benefit you want, your gender, smoker status, your health status and the length of time you want the cover to operate for.
  • Your policy lists a number of serious illnesses for which it provides cover – these usually include heart attack, stroke and aggressive forms of cancer. This list differs between different providers.
  • Only the illnesses specified in the policy are covered.
  • If you are diagnosed with any of the listed specified illnesses, your policy will pay out a defined lump sum.




I strongly recommend that anyone with existing policy's complete a financial review with Gearoid, not only have I saved money with Gearoid but I now know I have put the correct policy's in place to protect my family and I in the future.

Ian, Naas