Critical illness

Critical illness

by GRA

Pay Codes: GRA Crit Ill 6152

The scheme provides for the payment of a tax free lump in the event of a member of the scheme contracting one of the specified illnesses covered under the scheme (list below). The Scheme provides for a partial benefit payment for less serious illnesses (list below). Friends First are the underwriters. Partners are covered under the terms of the scheme irrespective of sexual orientation. *Definition of partner is covered in the Life Assurance Details section or Page 14 of your diary.

BENEFITS / COSTS : FROM 01/11/13 :-

Critical Illness Scheme – GRA Members

Full Benefit – € 85,000
Partial Benefit – € 15,000
Cost– € 4.83 per week

Critical Illness Scheme – Children

Full Benefit – € 25,000 Partial Benefit – € 5,000 cover for children age 1 –18 (25 if in full-time / vocational education)
Cost – No additional cost for GRA members, who are part of Members Scheme

Critical Illness Scheme – Spouses of GRA Members

Full Benefit – € 85,000
Partial Benefit – € 15,000 for less severe illnesses listed below
Cost– Additional €3.95 per week (€8.78 per week in total for member, spouse and children)

Critical Illness Scheme – Trainee Gardai

The Association has arranged that all Trainee Gardaí are covered for a benefit of €42,500 for their first 64 weeks at no cost to the member
Cost– Funded by Association

Critical Illness Scheme – Retired GRA Members & Spouses

Members of the scheme on retirement may continue in the scheme up to age 65. The benefit is €42,500 and the cost is €4.83 per week. Spouses/Partners may also remain in the scheme up to age 65. The benefit is €42,500 and the cost is €3.95 per week. A partial benefit payment of €10,000 may apply for less severe illnesses as listed overleaf.


Full Payment Specified Illnesses

  • Alzheimer’s Disease
  • Aorta Graft Surgery
  • Aplastic Anemia
  • Bacterial Meningitis
  • Balloon Valvuloplasty
  • Benign Brain Tumour
  • Benign Spinal Cord Tumor
  • Blindness (total)
  • Cancer
  • Cardiomyopathy
  • Chronic Lung Disease
  • Coma
  • Coronary Artery Surgery
  • Creutzfeldt-Jakob Disease
  • Deafness (total)
  • Encephalitis
  • Heart Attack / Heart Structural repair
  • Heart Valve Replacement
  • HIV infection
  • Kidney / Liver failure
  • Loss of Hands / Feet
  • Loss of independant existance
  • Loss of Speech
  • Major organ transplant
  • Motor Neurone Disease
  • Multiple Sclerosis
  • Multiple System Atrophy
  • Paralysis of Limbs (total)
  • Parkinson’s Disease
  • Pre-Senile Dementia
  • Primary Pulmonary Hypertension
  • Progressive Supranuclear Palsy
  • Pulmonary Artery Surgery
  • Rheumatoid Arthritis
  • Stroke
  • Systemic Lupus Erythematosus
  • Third Degree Burns
  • Traumatic Head Injury

Partial Payment Specified Illness

  • Brain Abscess
  • Carcinoma in Situ
  • Carotid Artery Stenosis
  • Cerebral Arteriovenous Malformation
  • Coronary Angioplasty
  • Ductal Carcinoma in Situ
  • Low Level Prostate Cancer
  • Serious Accident Cover
  • Surgical Removal of One Eye
  • Lower Level of 3rd Degree Burns

The Above is just a basic list of illnesses covered. A booklet giving full explanations, pre-existing conditions, relevant survival periods and exclusions is available from the GRA Office.

Only the definitions in the Master Policy will determine the validity of a claim.