LifeCare services are available when you start a new protection plan with Irish Life for the following products: Term Life Insurance, Mortgage Life Insurance, Life Long Insurance, Pension Life Insurance and Income Insurance plans. You must be on cover with Irish Life to access LifeCare services.
LifeCare gives you and your family valuable access to MedCare, NurseCare and ClaimsCare – at no extra cost. These services provide expert assistance, many of which are available 24/7, 365 days a year.
These support elements include:
MedCare
If you, or someone in your family*, are diagnosed with any condition, you could benefit from getting access to a review of your diagnosis and treatment plan from a world leading medical centre**.
NurseCare
Gives you access to a confidential helpline service, available 24/7, run by a team of experience and professionally-trained nurses to help with your family health queries (from advising you how to treat/assess minor family ailments or injuries, discussing medicine side effects, to advising you on dealing with more serious events).
It also includes access to a Women’s Health Centre Helpline , which gives you the freedom to speak confidentially with a team of experienced and professionally-trained nurses and midwives about any female health queries (e.g. fertility, pregnancy concerns, osteoporosis, menopause-related questions).
ClaimCare
You have access to three free counselling sessions with the Clanwilliam Centre (15 centres in Ireland) if you have made a claim under specified illness or a death claim.
*can be used by spouse/partner, your children – with no age limit – and your parents and your spouse’s/partner’s parents.
** a team of specialists within the centre of research for that particular condition, not just one Doctor.
Children’s Cover means €7,000 life cover and eligibility for serious illness claims from birth up to age 25 – whether or not the child is in full time education.
It should also be noted that the concept of Cover for Life, based on the initial underwriting process, is to be considered. The policyholder has the option, before age 75, to convert their term plan to whole of life cover.
Life Cover Additional Payments
Automatic entitlement available nowhere else in the UK/Ireland if:
- you are taking out €25,000+ life cover and
- you are female and
- you are aged under 45.
After your plan has been in force for 12 months, if you are diagnosed by a Consultant Obstetrician as having one of the following five conditions related to any one pregnancy, Irish Life will make a payment of €5,000 to you, up to 3 times on any one plan.
1. Disseminated Intravascular Coagulation (DIC)
2. Ectopic Pregnancy
3. Hydatidiform Mole
4. Placental Abruption
5. Eclampsia (under this condition, Pre-eclampsia is not covered).
Finally, as the purpose of having protection is to ensure that a payment is made when an unfortunate circumstance arises, it should give you security in your recommendation to know that Irish Life pay more claims, at a faster pace, than anyone else, e.g. in 2017 they paid out €36,454 per hour to brokers’ clients.
To find out more about availing of these great offers, get in touch with Gallivan Financial today.
Take care,
The Team at Gallivan Financial