Accidental death immediate expenses: R15 000.
Accidental HIV infection: actual expenses up to the emergency expenses shortfall benefit amount; R250 000.
Active military service: up to R250 000 for any one insured person; up to R1 million for any one insured event.
Blood transfusion: actual expenses covered up to R50 000.
Catastrophe: 25% of the accidental death benefit for the accidental death of five or more insured persons, up to a maximum of R1 million.
Chauffeur expenses: actual expenses covered up to a maximum of R10 000 a year.
Childcare expenses: benefit of R750 per day, up to a maximum of R22 500.
Claims preparation costs: actual expenses covered up to a maximum of R75 000.
Compensation for Occupational Injuries and Diseases fast track: included.
Coma: benefit of R500 per day, up to a maximum of 365 days or R182 500.
Crime: 5% of accidental death or permanent total disability, up to a maximum of R50 000.
Detention: included.
Disappearance: 100% of accidental death.
Emergency transportation to local medical facility: actual expenses covered up to a maximum of R200 000 per insured person and R1 million for any one insured event.
Exposure: included.
Family and/or private household employee emergency expense shortfall: actual expenses up to R20 000 per insured person or R100 000 for any one insured event.
Home convalescence: R1 000 per day, up to R7 000 for up to seven days.
Hospital confinement (non-medical benefit): R1 000 per day, up to a maximum of R14 000 for up to 14 days.
Kidnapping or hijacking: included.
Life support: actual expenses up to a maximum of R70 000.
Mobility expenses: actual expenses up to a maximum of R100 000.
Paraplegia: 10% of permanent total disability up to a maximum of R500 000.
Passive war: included.
Permanent disfigurement: a percentage of the permanent disability benefit in direct proportion to the affected:
- Head, neck and hands – up to 25%, up to a maximum of R300 000;
- All other areas of the body – up to 10%, up to a maximum of R100 000.
Post-mortem waiver: included, dependent on claim.
Quadriplegia: 25% of permanent total disability, up to a maximum of R1 million.
Recruitment and relocation of replacement employee: 75%, up to a maximum of R150 000.
Rehabilitation: in connection with
- Permanent disability – 85% of expenses up to a maximum of R150 000;
- Temporary total disability – actual expenses up to a maximum of R5 000 per week for up to eight weeks, subject to a 14-day excess, up to a maximum of R60 000.
Repatriation of mortal remains: actual expenses up to a maximum of R250 000.
Search and rescue: actual expenses up to R100 000 per insured person; up to a maximum of R500 000 for any one insured event.
Seatbelt: 10% of the accidental death benefit, up to a maximum of R100 000.
Temporary partial disability: 40% of the temporary total disability benefit.
Terrorism: included.
Trauma counselling:
- up to R1 000 per visit, limited to R25 000 per year;
- R100 000 per policy in any 12-month period of insurance.

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