When you have a policy with serious illness cover you are provided with your selected amount of cover for up to 55 difference specified illnesses ( depending on the company, some will cover less). In addition to this you will automatically be covered for the lesser of €15,000/50% of that sum insured for up to 36 extra illnesses (again depending on the company). A partial claim made from your policy does not affect the amount of your serious illness cover and you can claim for a partial illness more than once subject to that the total amount claimed does not exceed your level of serious illness cover noted on the policy. So really with a serious illness policy you are getting double the cover for no extra charge. The full list of illness and there definition to be met for a successful claim are outlined in the policy conditions provided to you on issue of you policy. Terms & conditions will apply as this benefit is subject to underwriting.
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