Step 1 – Choose the Benefits

The first step is to decide the cover that suits you best. There are 2 basic options to choose from:

• Accident & Sickness
  Provides a monthly benefit if you are unable to work due to Accident or Sickness.


• Accident, Sickness & Involuntary Unemployment
  Provides a monthly benefit if you are unable to work due to Accident, Sickness or Involuntary
  Unemployment.
  
  You then have the option to include some additional cover:
  
  
• Critical Illness benefit
  If you choose to add Critical illness cover to your policy, an amount equal to 24 times your monthly benefit will be paid to you in one lump sum on the diagnosis of a critical illness. The illnesses covered are listed in the Terms & Conditions and are available upon request.


• Hospitalisation cover
  Hospitalisation cover pays a monthly benefit to you in the event you are hospitalised. The benefit is payable after 3 days hospitalisation

Step 2 – How long do you want cover for?

The next decision is how long you need benefits to be paid for. You can select a benefit period of 12 or 24 months. If you have also opted for Hospitalisation cover, the same benefit period will apply as selected for Accident & Sickness.

Only a 12 month benefit period is provided on Involuntary Unemployment.

Step 3 – Decide on the cover amount you need

Now that you know what cover suits you best, you need to decide on the monthly benefit amount. This amount can include loan repayments, credit card and utility bills or any other regular commitments you may have – the choice is yours.

The maximum benefit amount allowable is 75% of your net monthly income, or €2,000, whichever is the lesser.