Mortgage Protection booklet - Irish Life

We will also cover treatment in an inpatient rehabilitation centre, if the
client is transferred directly from hospital to the rehabilitation centre for
continuous treatment.
Only one partial payment or full payment will be paid resulting from the
same accident.
For the above definition the following are not covered:
• Stays in hospital of less than 28 consecutive days.
• Serious accident secondary to alcohol where there is a history of
alcohol abuse.
• Serious accident secondary to illegal drug abuse.
In simpler terms:
You can claim if you have a serious accident and are hospitalised for at
least 28 consecutive days to receive medical treatment for your injuries.
The 28 consecutive days can include time spent in a rehabilitation centre
if you are transferred there directly from the hospital to continue your
treatment. You can only make one claim for partial payment resulting
from the same accident.
53
J. Severe Burns/3rd Degree Burns covering
at least 5% of the body’s surface
Plan definition:
We will make a limited payment for specified illness cover if a life assured
suffers burns that involve damage or destruction of the skin to its full
depth through to the underlying tissue and covering at least 5% and less
than 20% of the body’s surface area or at least 25% of the surface area of
the face which for the purpose of this definition includes the forehead
and the ears.
In simpler terms:
There are three levels (degrees) of burns. The degree of burning
depends on how badly the skin has been damaged. They are medically
known as ‘first’, ‘second’ and ‘third’ degree. First-degree burns damage
the upper layer of skin, but can heal without scarring (a common
example of this is sunburn). Second-degree burns go deeper into the
layers of skin, but can heal without scarring. Third-degree burns are the
most serious as they destroy the full thickness of the skin.
You will be able to claim if you have suffered third- degree burns
covering at least 5% and less than 20% of the surface area of your body
or 25% of the surface area of the face.