Take the worry out of protection with a serious illness protection review

Peace of Mind

Gain re-assurance that your policy will pay out in the event of a claim by availing of a free review.


Within the past few years, more illnesses are now covered on new policies and providers offer new benefits free of charge.

It's free

Our service is free, why wait longer to review?

Illness protection

Financially Protect against illness and save up to 23%

Join our thousands of customers and start your review today.

Types of Insurance

Other financial Products we review - Saving you even more money. 

Life Insurance

Everybody who earns an income should consider Life Insurance. A loss of your income is a loss to the household.

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Whole of Life Insurance

These policies are often "Reviewable" which means the premiums raise to a level that's unsustainable to maintain.

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Mortgage Protection

If you were provided Mortgage Protection by your lender, you could save significant amounts of money over the term of your policy.

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Everybody who earns an income should consider Life Insurance. A loss of your income is a loss to the household.

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Income Protection

It is essential to review your Income Protection after a career change, a change in salary or to ensure you are availing of the best policy available on the market.

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If you haven’t reviewed your Pension recently, you could receive less than you’re expecting on a monthly basis at retirement. Increasing your allocation rate by reducing fees and charges.

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Serious illness protection

Serious Illness Cover pays a lump sum benefit in the event you are diagnosed with a Serious Illness specified by the policy. It can be built into your Life Insurance plan or provided as a Stand-alone plan.

Death comes for us all. But Serious Illness is the biggest risk we face in life. Statistically you are more likely to suffer from Cancer, a heart attack or a stroke before the age of 65, than you are to pass away. 

In Ireland, 1 in 3 people are diagnosed with some form of cancer in their lifetime.

What if any of the above cause you to be unable to work? What if you and your family then struggle financially because of this? Does your employer cover sick-pay for serious illnesses? These are all the questions you should be asking yourself, and what can you do about it?

Thankfully, with medical advances, the chances of surviving a major illness are greater than ever.  However, A Serious Illness, as its name alone suggests; does indicate the possibility that you could be out of work for a very long time, maybe 6 months or longer. Leading to huge financial consequences.

The security of a lump sum payment, offers peace of mind with the knowledge that you will be able to pay your bills while you concentrate on getting better.  The funds can be used to pay off your mortgage, assist with utility and medical bills, and even fund the cost of home renovations if mobility access is required, provide after care support, or to undertake training for a different relevant occupation.

Our quick and simple Life Insurance review process will only take up to 10 minutes.


The best time to take out Serious Illness Protection is when you are healthy! The healthier you are with any protection product, the less expensive your premiums, as healthier individuals are less risk, being unlikely to have the same rate of claim as their counterparts.

This is especially the case for Serious Illness Protection, statistics show 75% of all protection claims paid out are related to serious illness protection alone.

Serious Illness Protection can be taken out as part of your Life Cover policy, Mortgage Protection policy or as a stand-alone policy, without life cover attached. When taken out as part of your life cover, there are 2 types of Serious Illness Cover. Stand-alone and Accelerated.


Most major illnesses are covered by our Serious Illness policies. Some less-common illnesses won’t be listed below. If you are unsure about any policy – It’s better to call us on 057-86-01248.

some major illnesses that are covered -

  • Cancer
  • Heart Attack
  • Stroke
  • Angioplasty for Coronary Artery Disease
  • Bacterial Meningitis
  • Benign Brain Tumour
  • Cardiomyopathy
  • Coronary Artery Bypass Graft
  • Heart Valve Replacement / Repair
  • Multiple Sclerosis
  • Parkinson’s Disease

Serious illness protection cover types

single policy

Single cover insures one person only. If that person is diagnosed with a specified serious illness, the policy pays out, then the serious illness protection policy ceases.

joint policy

Joint cover insures two people under one policy. It will pay out on the first diagnosis of either insured person, the policy then ends when the first person claims.

We generally recommend against this type of policy, as dual cover (below) is priced the same.

dual policy

Dual cover insures two people under one policy. It will pay out on diagnosis of both insured persons during the term of the policy. Payment to one person on the policy does not affect the benefit of the second person for dual cover, similar to if they each had single policies.

index linked cover

This is an optional facility designed to increase your benefits & premiums on an annual basis to protect against inflation – in keeping in line with the cost of living. The increase is normally at 3% or 5% pa, depending on the company, with the option to stop the facility during the term of the policy.

Additional Benefits

Some of these additional benefits are only available from certain insurers. If you require any of them, please notify us.

  • Children’s Specified Illness Cover
  • Advanced Payment for Heart Surgery
  • Children’s Overseas Surgery
  • Helping Hand
  • Best Doctors (Second Opinion)
  • Children’s Specified Illness Cover Partial Cover
  • Overseas Surgery

How do we choose your provider?

This depends on several factors, such as:

– Your age.
– If you’re a smoker.
– If you have children.
– If you’re single.
– If you’re employed.
– If your partner is employed.
– Your current state of health.
– How much you earn annually.
– If you have a mortgage.

Can I get Serious Illness protection added to my Mortgage Protection?

When reviewing with us, Serious Illness Protection can be accelerated to your Mortgage Protection, that in the event of a specified serious illness some or all of the outstanding amount of your mortgage (whichever amount is chosen) can be paid off to release the burden of mortgage repayments while you are recovering.

It is important to note that mortgage protection does not cover your actual mortgage repayments if you cannot work due to sickness or redundancy. In this instance, you would need ‘mortgage repayment benefit’ available from your lender which can be built into your mortgage repayments.

Can i get serious illness protection added to my life insurance?

Absolutely, You can choose to add serious illness cover to your life insurance policy at an additional premium. Your options are below.

accelerated serious illness cover

This is generally the most common option. With this option, The Serious Illness benefit is taken from the lifer cover benefit. So that the life cover benefit is reduced by the amount of any Serious Illness claim. For example, If the life cover benefit is €100,000 with €50,000 serious illness (accelerated), and a €50,000 claim is made for a serious illness.. The serious illness benefit is depleted and the life cover benefit reduced to €50,000.

standalone serious illness cover

With this option, The Serious Illness benefit is a separate benefit alongside the life cover. So that a claim for Serious Illness benefit will not affect the benefit of Life Insurance, which will still remain in place once the serious illness is paid out.

Request a Full financial review

    Request a Whole of Life Insurance review

      Request a Life Insurance review

        Request a Mortgage Protection review

          Request an Income Protection review

            Request a Serious Illness Protection review

              Request a Mortgage review

                Request a Pension, Savings & Investment review.

                  Jacinta O'Keeffe Positive: Professionalism

                  "I would tick all of the above boxes when rating Safenet Financial. It was a pleasure doing business with Jason and we would highly recommend this company."

                  Debbie Westfall

                  "Any questions I had were either answered on the spot or checked for me and researched which put my mind at ease."

                    What happens if...

                    That's no problem. We can give you a template "Letter of authority" Which you sign and send to the provider, this will give us access to any details required to review.

                    Your policy will be deducted monthly from your bank account. alternatively, if you have your policy number (This will be on your policy documents); You can call your provider and quote your policy number. The provider will disclose any information you require.

                    Your employment contract will contain all policies that come with your employment. Alternatively, you could ask your administration/hr department.