Income protection from Aviva helps you maintain your lifestyle by giving you a monthly income if illness or injury prevents you from working for a period of time, so you can concentrate on getting better.
Security
Protection of up to 75% of your total earnings.
Peace of mind
A guaranteed premium that cannot rise.1
Tax Savings
Tax relief on all premiums at 20% or 40%.
When life is going well, it’s easy to take money for granted. But just think about how you’d cope if your income suddenly dried up due to ill health or injury? The things you care about – your family’s lifestyle, your home, your children’s education – could be in jeopardy.
Practical protection designed for you
If you suddenly lose your ability to earn a living, you want a back-up plan that works when you need it most. That’s where we come in – with income protection cover that’s flexible, competitive and built to suit your lifestyle.
How to tailor your income protection cover
Choose the amount you get if you make a claim – you can go from €5,200 to €262,500 a year.
Select the length of your policy – cover can end between 55 - 70.
Pick your deferred period – that’s the time you wait before your policy pays a benefit. It can be 4, 8, 12, 26 or 52 weeks.
Decide if the money paid out should keep up with inflation.
Features of your Aviva income protection policy
Price
A guaranteed premium – once accepted, your premium won’t rise
A discount if you’re a non-smoker
A waiver on your premium while you’re getting your benefit
Tax relief on your premiums
Flexibility
Wide choice of deferred payment periods
Freedom to top up your policy to get additional cover
We provide a comprehensive claims service to help you get back to work
Security
Aviva covers all occupations on an “own occupation basis”
We know you’d rather be working. That’s why we do whatever we can to help you get back to a normal working life as soon as you can. After your claim has been approved, you can access these benefits:
Rehabilitation benefit
This gives you tailored rehabilitation and exercise programmes if you need it or it’s appropriate for the type of injury you’ve suffered. This can help increase the level of strength and functioning of the injured area.
The objective is to help you carry on your normal everyday activities as much as possible.
Proportionate benefit
If you return to work full or part time – either in your old job or a new one – and you’re earning less than you were before, you may be able to get an income from partial benefit.
Linked benefits
We’ll restart your claim immediately if you relapse with the same illness within six months of returning to work. If this happens, you won’t have another deferred period before we start paying your income.
How our claims process works
We know this is a difficult time so we’ll deal with your claim as quickly and smoothly as possible.
Let us know what’s happened Step 1 of 0
Call us on 1800 159 159 or from mobile/abroad on 01 618 6621. Or you can email riskclaims@aviva.com.
We’re open Monday to Friday, 9am to 5pm.
Give us some details Step 2 of 0
We’ll need medical and financial evidence to assess your claim, along with the policy number and your contact details.
We get things sorted Step 3 of 0
Once we’ve processed your information and accepted your claim, we pay you a monthly benefit in arrears.
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1. Guaranteed premium: The amount you pay does not change over the life of the policy as long as the benefits remain the same. You can choose to index-link your premium and the benefits to ensure that, over time, they remain linked to inflation.
Aviva Life & Pensions Ireland DAC does not guarantee the on-going availability of any or all of the Aviva Care Ireland services to its policyholders and may, at its sole discretion, withdraw access to the service at a month’s notice. If we withdraw it, we’ll write to notify policyholders at least 30 days in advance of its removal.
Teladoc Health, who provide the Aviva Care services, is not a regulated entity. Aviva Care is not a regulated service
Acceptance criteria, terms and conditions apply. These monthly premiums are based on single life cover of €170,000 for a person aged 31 next birthday and a non-smoker, over a 25 year term, total monthly premium amount €10.03. Source: Aviva Life & Pensions Ireland DAC as at December 2024.
Aviva Direct Ireland Limited is regulated by the Central Bank of Ireland. A private company limited by shares. Registered in Ireland No 374895. Registered Office: Cherrywood Business Park, Dublin, Ireland, D18 W2P5.
Aviva Life & Pensions Ireland Designated Activity Company, a private company limited by shares. Registered in Ireland No. 165970. Registered office at Building 12, Cherrywood Business Park, Loughlinstown, Co. Dublin, D18 W2P5. Tel (01) 898 7950 www.aviva.ie
Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland.
Life and Protection Cover is underwritten by Aviva Life & Pensions Ireland DAC.
