If you’re a farmer or construction worker and have had difficulty getting insurance to cover you for accidental injury, then look no further. Combined pays thousands of euro in benefits every day to farmers, rural workers, builders and construction workers throughout Ireland when they are unable to work due to an accident or sickness. All of our products will pay either a lump sum benefit of up to €143,000 or regular income of up to €2,100 a week if you suffer an accident, sickness or death and are payable in addition to State Benefits and are usually tax free.*

Spouses and children can also be included on the same plan at special rates and the Critical Illness Plan will even cover your children at no additional cost.

Please choose a product…

AHBP

Pays daily benefits of up to €300 for every overnight stay, up to €2,100 a week if hospitalised due to an accident, lump sum benefits of up to €2,250 for fractures and up to €30,000 for loss of life.
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ADP

Pays monthly benefits of up to €780 a month if you are unable to work due to an accident and lump sum benefits of up to €39,000 for loss of limbs, speech, hearing or sight.
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SIP

Pays monthly benefits for total incapacity of up to €1,250 a month and a benefit of up to €625 for up to one month only for partial incapacity. Leading advice and referral service Best Doctors is also included.
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SHIP

Pays daily benefits of up to €320 a night for hospitalisation due to sickness, benefits of up to €160 a night for convalescence as well as double benefits for critical illness. Leading advice and referral service Best Doctors is also included.
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CIP

Pays a lump sum benefit of up to €71,500 on surviving diagnosis or surgery for a critical illness and double benefits of up to €143,000 for cancer. Children can be added to the plan at no additional cost and leading advice and referral service Best Doctors is also included.
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* Present Irish law and Inland Revenue practice means that you do not get tax relief on your premiums. Benefits are free of Irish income tax and capital gains tax. Present Irish tax law may change in the future.