IMPACT members aged under 65 who contract a specified critical illness are entitled to a payment of €5,000. The benefit applies to most cancers, heart attacks, strokes, coronary artery bypass grafts, kidney failure, major organ transplants, and loss of limb or sight. IMPACT members aged under 65 who die are entitled to a payment of €5,000. This free cover would typically cost a 40-year-old non-smoker €30 a year. Smokers could pay over €50 and the costs would be higher for older people.

Find out more about critical illness and death benefit cover HERE, and learn more about IMPACT members' benefits HERE.