Irish Medical Organisation

Group Life Scheme

What does the scheme do?

This is a life insurance scheme designed to protect your family financially if you die. You choose the level of cover you want (in units of €150,000 cover) depending on your age and circumstances.

Benefit details

Cover is available in units of €150,000 Life Cover.

New entrants can select a level of cover up to age 50 from one unit (€150,000) up to a maximum of 10 units (€1,500,000).

From age 51 to age 54 new entrants can select up to 2 units of cover.

The ceasing age of cover is your 70th birthday.

Benefit Indexation

Your benefit can be indexed, so your cover and premium will increase by 5% each year. This ensures that the amount of cover keeps pace with your growing needs.

Tax Relief

You may be eligible for tax relief on the premiums paid at your highest rate of tax.

Contact one of our dedicated financial advisers for more information

Increase in cover with no medical underwriting


You can now alter your cover within further underwriting following certain life events such as the birth of a child, marriage/civil partnership or becoming a GP/Registrar or Consultant.


Working Abroad


If you decide to work abroad, your cover can continue as long as you keep paying your premiums.


You can get cover for working within the EU, Switzerland, USA, Canada, Australia, New Zealand, South Africa or Saudi Arabia.


Please note: All applications are subject to underwriting. Contact one of our dedicated financial advisers for more information


IMO Membership

Start reaping the benefits of membership.

If you were previously a member of the IMO you can rejoin here.

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Have a question? Please get in touch with us and we will be happy to answer.