DNG Financial Services: Specified Illness Cover
DNG Financial Services: Specified Illness Cover
Specified illness cover can be purchased as either a stand alone policy or as an additional benefit to most life insurance policies. It pays out a tax-free, cash lump sum if you are diagnosed with a life-threatening illness such as cancer, heart attack or stroke. It can also pay out reduced amounts for less critical illnesses, subject to predetermined qualifying criteria.
At DNG Financial Services we understand the importance of securing specified illness that adequately protects your family and their financial position in the event of a critical illness. As a key household earner, a serious illness can result in genuine financial hardship for your loved ones. We understand that money isn’t everything, but you can make sure that you alleviate financial pressures at such a sensitive time for you and your family..
At DNG Financial Services we understand the importance of choice when it comes to taking out a specified illness cover policy. We are uniquely positioned in partnering with all of the leading life assurance providers in Ireland, ensuring we secure you a market-leading policy at all times.
Having an expert available to you is valuable in the process of securing any insurance policy, particularly something as important as a specified illness cover policy. At DNG Financial Services, our role is to find you the best available specified illness policy in the market, with the least amount of effort from you. Our Financial Advisors are here to take the stress out of the process for you.
Specified Illness Cover FAQ
Here are some of the most commonly asked questions when it comes to serious specified illness cover in Ireland, answered by our expert Advisors in DNG Financial Services
Serious Specified Illness cover is a type of insurance that provides a lump sum payment if you are diagnosed with a critical illness listed in your policy. Unlike traditional health insurance, which typically covers medical expenses, this type of cover offers financial support to help you cope with the impact of serious illnesses.
Eligibility criteria for Serious Specified Illness cover vary between insurance providers and policies. Generally, individuals of a certain age (often between 18 and 65) who are in good health at the time of application can apply for this type of cover.
Serious Specified Illness cover usually includes a range of critical illnesses such as cancer, heart attack, stroke, organ failure, and neurological disorders. The specific illnesses covered can vary between policies, so it is vitally important to review the policy documents carefully.
The cost of Serious Specified Illness cover depends on various factors, including your age, health status, smoking status, coverage amount, and the duration of the policy. Premiums are typically higher for older individuals and those with pre-existing health conditions.
When selecting a Serious Specified Illness policy, it is essential to consider factors such as the list of illnesses covered, the amount of coverage provided, any exclusions or limitations, the premium cost, the claims process, and the reputation of the insurance provider. Additionally, you may want to review any optional riders or additional benefits offered with the policy.
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