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Looking after your needs

If you fell ill or had to leave work due to an accident or sickness, have you thought about how you’d cover the costs of your mortgage and everyday household bills?

MortgageLine’s Lifestyle Protector Plan can help. For example, it gives you a regular monthly income to help provide for your family’s needs – from the simple things in life such as keeping a roof over your heads and food on the table, to ensuring your household bills are up-to-date, as well as all those expenses you incur every day.

Moreover, the plan includes added protection – lump sum benefits to cover you against death and serious illness. The Lifestyle Protector gives you the peace of mind knowing that if the worst was to happen, you and your family will be covered.

The highlights and benefits of our Accident and Sickness Insurance

Lifestyle Protector Highlights

  • Monthly income benefit – providing a monthly cash benefit of up to €3,000 if you can’t work
  • Guaranteed cover – providing you’re eligible for the plan, you’re guaranteed cover under our moratorium clause
  • Flexible plan with a wide range of deferred periods
  • No medical underwriting – it’s quick and easy to apply and obtain cover. What’s more, no medical questionnaires or examinations are required, and there’s no waiting for GP reports to process your application

Standard Benefits: What's Included?

Accident and Sickness Benefit

Cash benefits between €300 and €3,000 monthly.

If you’re unable to work due to accident or sickness, your policy will start to pay you benefits once your deferred period has elapsed (choose from 14, 30 or 90 days). What’s more, you’ll receive this benefit for up to 12 months and the built-in Waiver of Premium feature means that any premiums you pay during your claim period will be refunded to you.

Nevertheless, the maximum monthly benefit available is 60% of your gross monthly income if you’re employed, or 60% of your taxable monthly income if you‘re self employed.

Hospitalisation Benefit

Cash benefits between €30 and €300 daily.

If you are hospitalised for more than 48 hours, the policy will pay you 10% of your monthly benefit for each subsequent 24 hours that you remain in hospital. And furthermore, this is payable for up to 30 days per policy year.

In addition, you will still receive your monthly benefit.

Specified Illness Benefit

Cash benefit of up to €36,000.

If you are diagnosed with any of the following conditions, we will pay your claim along with a lump sum payment of 12 times your monthly benefit to help you get back on your feet again: Cancer (excluding less advanced cases), Cardiac Arrest, Stroke, Loss of Independent Existence, Alzheimer’s Disease and Aorta Graft Surgery.

Additional Benefits

Death Benefit – cash benefit of €25,000

Whether you die as a result of an accident or of natural causes, this feature pays your estate a lump sum. For example, the lump sum can be used towards funeral costs, as well as any debts you leave behind, and provides your family with additional peace of mind.

Terminal Illness cover – cash benefit of €25,000

If you are advised that you are to die within 12 months of diagnosis of a terminal illness, we will pay you a lump sum.

Sickness Insurance Ireland