• Disability & Impairment

    Make sure the bills get paid no matter what

Pay your bills. Adapt your life.

People often wonder what the difference is between disability and impairment cover. Although they’re similar, they have different roles to play when it comes to your life insurance.

Let’s face it: if you weren’t able to work another day in your life – you’d need to win the lottery to cover all those bills. Our disability cover pays out a lump sum or monthly income payments if an accident or illness means you can no longer work, protecting both your finances and your family. While our impairment insurance will provide money that you can use to make adjustments to your life such as installing a wheelchair ramp in your home.


Why choose our disability cover?

Imagine you’re a surgeon who loses a hand or a builder who becomes paralysed? This is why you’d need disability insurance:

  • This cover will replace your income if you’re unable to work in your own or a similar job, because of an accident or illness 
  • Choose the cover you need at the price you can afford 
  • Get cover that pays a lump sum of up to R10 million and monthly income payments of up to R100 000

Want to supersize it?

Crisis Waver
  • You won’t have to pay the premiums on your critical illness cover for up to 3 months if you face a serious life-changing event
  • Covers you for a wide range of life-changing events including divorce, retrenchment or the death of a spouse
  • Includes a cash-back benefit after every 5 claim-free years


Long Term Care
  • Covers you for full-time care with a registered frail care facility, hospice or nursing home or with a registered medical professional
  • Makes monthly payments of up to R30 000 after you turn 65
  • Includes a death benefit before and after you turn 65

How to claim

Need to make a Disability claim? Speak to your financial advisor, call us on 0860 00 00 11 or get started on our website.

Start claim

Check and update your policy

This is honest insurance for honest people. Please call us on 0860 00 00 11 to check or update your policy and details if your circumstances change. This will ensure you’re always covered. 

Contact Us

Number: 011 351 5000
Monday to Friday 08:00 to 17:00  
Fax: 011 351 3003   
Walk in centre hours:
Monday to Thursday 08:00 to 16:30

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