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.

Each of your children will be covered for €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.

Indexation ensures that your cover increases by approximately 3% and your premium increases by approximately 4% each year until you turn 75. This helps to protect the real value of your cover as time passes.

You can decline the automatic increase at any anniversary and if you decline the increases two years in a row, this option will be removed from your policy.

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

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.

You have availed of Dual Life cover policy. With Dual Life cover, an independent payout is possible on both persons insured. For example, if one person makes a valid claim within the term of the policy, a payout will be made and the policy will continue for the second person. If the second person subsequently makes a valid claim during the term of the policy, a second payout will be made and the policy will cease. Under a dual life policy, each person can have a different level of cover.