Specified Illness Cover

Take care of what matters most

Peace of mind for you and your family

If you are diagnosed with a serious or critical illness, your finances should be the last thing on your mind. But if your illness prevents you from working, do you know how you and your family would cope?

Lump sum payment

Financial support to help you focus on your health if you’re diagnosed with 1 of 52 illnesses that we cover.

Flexible length of cover

Choose how long you’d like your cover to last – from 5 to 40 years.

Children’s cover

We’ll pay if your child is diagnosed with or undergoes surgery for one of the specified illness that we cover.

How can Specified Illness cover help?

The lump sum payment from your specified illness cover policy could help you to:

Pay for medical treatment and expenses.
Help with your mortgage or other loans or bills.
Invest to provide a regular income.
Make any necessary alterations to your home.

Reliable cover to help you through a tough time

We all hope it never happens but if you have to deal with health problems, you want to know that you’ve got serious illness cover that works hard for you and your family.

We cover 52 illnesses on a full-payment basis. So if you’ve been diagnosed with one of these illnesses, we’ll pay you the full amount for which you’re covered. Find out more about these illnesses in our Specified Illness Definitions Guide.
We cover 45 illnesses on a partial-payment basis so if you’re eligible, we’ll pay €20,000 or half of your cover amount, whichever is lower. One exception to this is angioplasty – single vessel for which we pay €5,000 or half of your cover amount, whichever is lower.

In this video, Paul shares why he’s grateful for having specified illness insurance during a tough time.

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Transcript for video Why you need Specified Illness Insurance – Paul’s story

A little over five and a half years ago now, I was diagnosed with acute myeloid leukaemia.

In the weeks prior to being diagnosed I was unwell.

I ended up with my GP on three separate occasions and they said “look, before now we'd never really seen you, and now we've seen you three times in the month”.

And they made a suggestion to go to a hospital to get checked.

And the first recommendation they made is that I should stay in for a couple of days.

It was two days before Christmas, and I didn't want to wake up in hospital on Christmas day, with a young family.

One of the consultants from the hospital made his way into our room, and one of the statements he mentioned was “I know you're looking to go home, but you won't be able to go home now, and you won't be going home for quite some time.”

And he ended up being correct.

It was a little over two years before I was able to consider going back to work.

The second we were diagnosed, it was almost the equivalent of just smashing into a wall and everything came to a stop.

I find it hard to comprehend how we would have gone through the journey we did without the support of money.

Aviva were brilliant.

My consultant sent over a one-page form outlining my diagnosis.

And that was it.

There was no more questions asked.

The claim was paid.

Illnesses present themselves differently for everybody, and everyone needs to make changes to their lives and need that financial support to navigate your way through your illness and back into life after your illness.

I think you should consider taking out a specified illness policy because money plays such an important role in your recovery.

And I'd say to people, you know, make your plans and dream big and plan far into the future, and then take out the correct insurances to reinforce that then plans can continue, regardless of circumstances, outside of all of our control.

There is almost a leap of faith to take that should something like this happen to you or your family, the financial supports offered by these insurances are going to be more important than you could have ever thought.

Features of your Aviva Specified Illness cover

Security

Premiums are guaranteed to stay fixed throughout your policy term unless you change your policy.
You can get cover up to the age of 69.
Your policy provides life cover and specified illness cover for your children (any child, stepchild or adopted child of yours who is aged 30 days or more and who is under the age of 21) or 25 if in full time education.

Flexibility

You choose how long you want your cover to last – from 5 to 40 years.
You can decide to increase your cover every year to keep up with inflation – without having to provide evidence of your health. We call this the indexation option.
You can include a ‘conversion option’ to let you extend your cover at any time without having to provide evidence of your health.