Irish Medical Organisation

IMO Pension Protection

What does the scheme do?

This is a bespoke insurance product designed to protect the GMS pension contributions for GPs. In the event of you suffering long-term illness or disablement, the scheme will continue making pension contributions into your GMS retirement account ensuring that you preserve your income at retirement

Who can join?

Any GP who is in receipt of GMS income and is under age 60.

Deferred period

The minimum deferred period is 52 weeks. For those over age 64, the deferred period reduces to one month

Benefit & Cost

The cost, including 1% Government levy, is 3% of the monthly GMS superannuation contribution and premiums are deducted through GMS capitation.


The benefit pays out a sum equivalent to the total GMS pension contribution (10% + 5%) at the time of being disabled or suffering a long-term illness.

Tax relief

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


Contact for more information.

Please note: All applications are subject to underwriting and all claims are subject to the insurer’s assessment. Terms and Conditions as set out in the policy document apply.

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.