A comparison of Ireland’s five major serious illness providers.

Clear, calm guidance on choosing the right insurer first.

Multi-Claim Protection Cover sounds flexible, but it’s a niche policy.

This guide explains what it actually does, who it suits, and why it’s often chosen for the wrong reasons.

The difference between accelerated, additional and standalone serious illness cover isn’t just technical.

The structure affects payouts, flexibility, and whether fixing things later will cost you more.

Although life insurance providers will decline some claims (usually because of lying on the application form), if you have a genuine claim that meets the definition of the illness , they will happily pay out.

If the insurers don't pay claims, then what's the point of serious illness cover?

This why they welcome claims so they can prove how important serious illness cover is.

So, let's examine why an insurer may refuse to pay a claim

Royal London’s Serious Illness Cover has improved — more conditions, unique mental health benefit, a shorter survival period, and strong claims stats.

But is it the right policy for you?