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.
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.
Aviva Care
With your protection policy you have access to the following services through our Aviva Care benefit:
- Digital GP
- Best Doctors Second Medical Opinion
- Family Care Mental Health Support
- Bereavement Support
Want to get started?
Our professional financial advisers can talk to you about your options and set up the right cover for you.
Contact Us
Monday to Friday: 9:00a.m. - 5:00p.m.
Manage your policies online
Avail of 24/7 access to view and manage your protection policy information.
Aviva Online Service Centre
- View your policies
- Update your details
- Change bank details
- Submit a query
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
Call us on 1800 159 159or 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
We’ll need medical evidence to assess your claim, along with the policy number and your contact details.
We get things sorted
Once we’ve processed your information and accepted your claim, we’ll pay your benefit by electronic fund transfer into your bank account.
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News articles
Take a look at our library of helpful articles and news.
18 Apr 2023
Aviva pays out over €118.6 million in protection claims in 2022
Aviva Life & Pensions Ireland (Aviva), reported that the company paid out €118.6 million in claims to customers with protection policies in 2022.
8 Mar 2023
How can you protect your family finances from illness and injury?
How you can protect your family finances from illness and injury, we have some valuable insights on what you need to do.
6 Mar 2023
How a Financial Broker can help protect you and your family
Financial Brokers can help you prioritise your financial needs, such as saving for retirement, investing for your children or planning your estate.
22 Apr 2021
Aviva Life Claims increase by 9% to €109 million in 2020
Aviva Life & Pensions Ireland DAC (Aviva), one of Ireland’s leading insurers, today reported that the company paid out almost €109 million to customers with protection policies in 2020.
16 Apr 2021
What do I need to apply for a mortgage?
Whether you’re a first-time buyer, purchasing your second home or re-mortgaging, find the list of documents you need to apply.
2 Dec 2020
Reasons to buy life insurance in your 20s and 30s
Getting financially stable as a young adult may be the last thing on your mind. Did you know life insurance could be less expensive in your 20s / 30s?
7 Sep 2020
What to do after a death checklist
The loss of a loved one can be a very difficult time. With this handy checklist find out the steps to take immediately following a death and the weeks subsequent.
29 Jul 2020
Do I need life insurance if I’m retired or an empty nester?
Even after you retire or your children are now financially independent, keeping your life insurance is still a good idea and here are the reasons why.
29 Jul 2020
How does Mortgage Protection Insurance Work
Are you thinking about, or in the process of buying mortgage protection insurance? If so, check out our handy checklist to make the process as simple as possible.
16 Jun 2020
How much life insurance do you need?
The amount of life insurance you need depends on your personal circumstances. Here are some things to consider before talking to a financial adviser.
16 Jun 2020
What are the benefits of mortgage protection?
Want to learn more about mortgage protection – how it’s used and the benefits?
7 Apr 2020
Financial scam phone calls and emails
16 Mar 2020
COVID-19 and Aviva Life & Pension Ireland
To reassure you, no new COVID-19 restrictions have been applied to our protection policies and currently there are no plans to amend our acceptance criteria.
26 Nov 2019
What is a Life Insurance Lump sum?
There is great peace of mind in knowing whatever may happen to you, your children will be taken care of. Life Insurance pays out a lump sum.
16 Oct 2019
Mortgage Protection Jargon Explained
Buying your first home can be an exciting but confusing time. Read on for all mortgage protection jargon explained.
6 Sep 2019
What is Best Doctors® Second Medical Opinion service?
With Best Doctors® you receive a second medical opinion, so you can feel assured and fully informed about your condition and what it means for you and your family.
Contact Us
Existing Customers
Monday, Tuesday, Thursday and Friday: 9:00a.m. - 4:00p.m.
Wednesday 10:00a.m. - 4:00p.m.
Saturday - Sunday Closed
Bank Holidays Closed
Email: csc@aviva.com
For a new quote
Monday to Friday: 9:00a.m. - 5:00p.m.
Saturday - Sunday Closed
Bank Holidays Closed
1. 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 amount €10.03. Source: Aviva Life & Pensions Ireland DAC as at July 2020.
Aviva Life & Pensions Ireland does not guarantee the on-going availability of the Best Doctors - Second Medical Opinion benefit to its policyholders or the Aviva Family Care Benefit (Mental Health Support) 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 Best Doctors and Aviva Family Care Benefit) is not a regulated financial service.
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.
Life and Protection Cover is underwritten by Aviva Life & Pensions Ireland DAC.
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. Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland. Tel (01) 898 7950.