OnePlan Protection

Get peace of mind to enjoy the important things

Why choose OnePlan Protection?

OnePlan Protection from Irish Life combines different types of cover within the one plan, including Life Cover, Bill Cover, and Specified Illness Cover. It means you can have more cover options, with one direct debit payment, from the one company, all under the one plan. With OnePlan Protection by combining benefits under the one plan you don’t have to pay separate plan fees.

Features and Benefits

Decreasing Life Cover pays a lump sum to replace income if anyone covered for this benefit on the plan dies.

Bill Cover pays money for your essential monthly bills (mortgage, rent, utility bills) if you are unable to work due to illness or injury while you are employed. If you have Bill Cover and are unemployed for more than one month, you will not be able to claim for this cover

Specified Illness Cover provides a lump sum if you are diagnosed with one of the conditions covered under the plan

Allows you flexibility to change your plan if your circumstances change. You can change your level of cover and benefits from the first anniversary of you starting your plan

Includes additional benefits such as children’s cover, terminal illness cover and guaranteed insurability depending on the benefits your have on your plan

Allows you to choose guaranteed cover again as an optional benefit at an additional cost on certain benefits

Provides money to your family to help them cover the cost of your funeral and other related expenses (this is optional cover, if selected you will be charged an additional cost)

Life Care

With OnePlan Protection you can access these separate services at no extra cost


• MedCare can help give you peace of mind if you are diagnosed with one of the conditions covered by MediGuide. This means you can have an independent review of your diagnosis and treatment plan from one of a range of leading medical centres around the world.

• This service is also available to your immediate family including your parents and your spouse/partners parents.


• A service for those unsure moments like when your child has a temperature at 2am or you have a burn that’s worrying you.

• There are nurses available to talk to you 24 hours a day all year round. They can help you decide the best thing to do, whether that’s advice on medication or if you should visit your doctor.

• This service is provided by Intana Assist for Irish Life protection customers.


  • If you need to make a claim you will be provided with a dedicated claims team member to help you through the process. We also offer counselling services from the Clanwilliam Institute to help support you through bereavement or illness.