Two different jobs
Serious illness cover pays one lump sum if you're diagnosed with an illness on its list. Income protection pays a regular income if illness or injury stops you working.
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Serious illness cover
It only pays for the illnesses the policy names, and usually only if you survive a set time after diagnosis, often 7 or 14 days. It doesn't replace your wages month by month.
Lullagram · lullagram.ie/moneyIncome protection
It can pay up to about 75% of your income after a waiting period you choose, like 4, 13, 26 or 52 weeks. Sick pay and social welfare are taken off what it pays.
Lullagram · lullagram.ie/moneyMortgage protection won't help here
It pays off the mortgage if you die. It doesn't pay the repayments if you're too sick to work. That's a separate gap.
Lullagram · lullagram.ie/moneyYour next step
Ask HR what sick pay you'd get and for how long. That tells you how long your family could manage before money got tight.
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Your family's money dates, in Lullagram.
Free reminders before every payment and deadline, from pregnancy to your child's 2nd birthday, plus your pregnancy and baby tracker in one app. Made in Ireland.
Sources, checked 27 October 2026: CCPC, CCPC. General information, not financial advice; it doesn't know your circumstances. Lullagram Limited isn't authorised by the Central Bank of Ireland to give financial advice, so for a decision about your own money, talk to a regulated adviser.