Critical Illness

Many people take out life insurance to provide for their families or to cover a mortgage or other substantial loans in the event of premature death. However, there are many medical conditions and illnesses that, although not immediately fatal, have a serious impact on our ability to earn a living.

Heart disease, strokes and cancer are the most common causes of death in Ireland, but advances in medical science mean that more people survive these serious illnesses every year. This is why more people are seeking to arrange critical illness cover.

Critical illness cover pays out a lump sum if you are diagnosed as having one of a number of illnesses. It makes sense to consider what would happen if you suffered a serious illness or medical condition. Would you be able to continue working full time? For how long? Would your income be curtailed? How would you and your family manage financially in such an event?

Depending on the policy available the following are the typical conditions covered:

  • AIDS/HIV as a result of a blood transfusion
  • AIDS/HIV as a result of accidental occupational infection for certain occupations only
  • AIDS/HIV as a result of physical assault
  • Aorta Graft Surgery
  • Aplastic Anaemia
  • Bacterial Meningitis
  • Balloon Valvulastomy
  • Benign Brain Tumour
  • Blindness (permanent and total loss of vision)
  • Cancer (invasive cancer)
  • Cardiomyopathy
  • Coma
  • Coronary Artery Disease requiring Surgery
  • Coronary Catheter Treatment including Angioplasty
  • Creutzfeldt-Jakob Disease (CJD)
  • Dementia (including Alzheimer’s Disease)
  • Emphysema (severe)
  • Encephalitis
  • Heart Attack
  • Heart Valve and Structural Surgery
  • Kidney Failure (end stage)
  • Liver Failure (end stage)
  • Loss of Hearing (permanent and total)
  • Loss of Independent Existence based on "Activities of Daily Living"
  • Major Head Trauma
  • Major Organ Transplantation
  • Motor Neurone Disease
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Paralysis
  • Parkinson’s Disease (idiopathic)
  • Permanent Total Disablement based on "Activities of Daily Work"; if the basis of cover is single or dual life, this benefit ceases at age 65, and if the basis of cover is joint life, this benefit ceases when the older life reaches age 65
  • Pulmonary Artery Surgery
  • Rheumatoid Arthritis (severe)
  • Severe Burns
  • Stroke
  • Systemic Lupus Erythematosus (SLE)
  • Terminal Illness

At Glennon we offer independent advice on the range of policies available and help clients to select the most competitive product to provide the cover appropriate to their needs.

To find out more about what we can do for you, Contact Us or Have Us Contact You.