Group critical illness cover

You care about your employees and aim to provide a valuable and useful workplace benefits plan. Group critical illness cover reduces the burden of life’s unexpected changes.

If your employee or their child is diagnosed with one of the specified illnesses we cover, they will get a lump sum payment. Their children aged 0-25 are included for free.

Providing group critical illness cover for your team

Group critical illness cover is also known as specified illness cover or serious illness cover. 

Comprehensive cover

Irish Life’s group critical illness insurance covers 36 main illnesses and 10 further conditions. 

Protection for employees and families

The company purchases the insurance policy and eligible employees get a lump sum payment if they or their children aged 0-25 become ill with one of the illnesses listed below. Children are covered for the same list of illnesses free of charge.

Tailored benefit options

Your company’s group critical illness benefit cover can be tailored. An employer can provide:


  • A fixed benefit for all employees. 
  • A benefit based on the employee’s age.
  • Include cover for the employee’s partner. A partner is defined as a person who has been living in a spousal-type relationship with the member of the policy for at least 12 months at the time the application for cover is made.

Benefits of group critical illness insurance

Feature Image

Benefits to your business

    Strengthen talent attraction and retention

    An attractive benefit to help retain and reward current employees. It helps attract top talent and may reduce staff turnover, while showing your commitment to employee wellbeing, earning loyalty and helping you save on hiring costs.

    Support your people when it matters most

    Provides comfort during a tough situation. You’ll be providing financial support to your employees when they really need it, giving peace of mind to them and their families.

    Lower costs and reduce administration

    The collective nature of the scheme means costs are lower than for individual cover, and administration is easier for you.

    Flexible protection that fits your business

    Complements other benefits like group health insurance and income protection schemes. You can customise your policy to suit your business needs and different roles within the company, supported by an efficient claims process.

Feature Image

Benefits to your employees

    Financial reassurance during life’s challenges

    Brings peace of mind to your employees that there will be financial support if they or their children become ill. 

    Family protection included

    Children aged 0-25 are included free of charge. Some employers also choose to include the employee’s partner in the policy cover, so more members of their family are protected.

    Valuable cover at no cost to employees

    The employer pays the premium, so employees gain a significant advantage from their workplace benefits scheme.

    Tax-free benefit

    Group critical illness lump sum payments are typically a tax-free benefit to the employee, providing vital security when it’s needed most.

Want a quote for group critical illness?

Talk to our team about providing group critical illness insurance for your employees.

List of specified illnesses covered

Making a group critical illness claim

Easy claims process

We make the claims process easy and quick for employers and their employees’ families during a difficult situation. 

Supporting your people

In 2024, we paid over €4.2 million in group critical illness claims to 160 people.

Contact us

Contact our team if you wish to make a claim. Our team will send you a claim form and information on requirements. 

Email: SICBenefits@irishlife.ie

Group critical illness cover from Irish Life

Peace of mind when it matters most

We understand how much providing group critical illness cover means to both employers and their teams. It offers genuine peace of mind, helping people at a time when they are experiencing huge stress. 

Trusted by employers nationwide

As Ireland’s leading group protection provider, we’re proud that over 2,500 employers trust us to look after their people. Get tailored solutions and comprehensive protection from our expert team. 

Resources

Read our booklets for more information

This guide explains the key information you need to know about our group protection products, from setting up a new scheme to paying claims.

free consultation

Get a quote for group critical illness

Providing a valuable workplace benefits plan is important to your employees and shows you care about their financial security and wellbeing. Our team can provide the right group critical illness insurance for your business.

Irish Life Employer Solutions offers:

Tailored, flexible options to protect your team when it matters

Cover from the largest group risk employee benefits provider in Ireland, protecting over 466,000 employees

A unique, end-to-end protection market-leading service

Guidance, expertise and tools to adapt your benefit strategy to employee needs

Other benefits from Irish Life

company pension

An award winning pension solution for your employees

corporate health

Bespoke health plans for your employees

wellbeing programme

Tailored wellbeing programmes to meet your employees’ needs