Combined’s range of protection products is perfectly suited for individuals who want to bridge the gap between State Benefits and private medical insurance. All products dovetail to give complete breadth of cover from accident and sickness. All benefits are payable in addition to those provided by most other plans and the state and all benefits are usually tax free.*

Families can particularly benefit from the full range of Combined protection products as family members including spouses and children can also be covered. Combined’s Critical Illness Plan adds cover for children at no additional cost and will pay up to 50% of the adult benefit.

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.