Employee Benefits

Hollard Group Risk provides risk benefit solutions to retirement funds, employer and affinity groups.


We offer international, multinational and alternative risk solution benefits through our life and short term insurance licenses. 

Benefits available under our short-term insurance license
 GAP cover  This benefit provides cover for the shortfall incurred where a medical practitioner charges above the medical aid tariff for in-hospital treatment.
 Personal accident (death and disability)  The personal accident benefit provides death and/or disability cover for death or injury caused by an accident.

Benefits underwritten through our life insurance licence:

Death benefit

With an option for the following add-on benefits: 

  • Tax replacement benefit 
  • Flexible death benefit 
  • Educator benefit 
  • Continuing cover if disabled benefit 
  • Converting to an individual policy benefit 

Lump sum disability benefit

With an option for the following add-on benefits: 

  • Tax replacement benefit 
  • Flexible lump sum disability benefit 
  • Converting to an individual policy benefit 

Spouse’s death benefit

With an option for the following add-on benefit: 

  • Converting to an individual policy benefit 
  • Continuing cover if disabled benefit  

Critical illness benefit

With an option for the following add-on benefits: 

  • Flexible critical illness benefit 
  • Critical illness top-up benefit 
  • Continuing cover if disabled benefit 
  • Converting to an individual policy benefit
  • Click here to view our Critical Illness packages, definitions and disclosure grids.

Funeral benefit

With an option for the following add-on benefit: 

  • Paid-up funeral benefit 
  • Continuing cover if disabled benefit 

Disability income benefit

With an option for the following add-on benefits:

  • Employer benefit (waiver) 
  • Medical premium waiver benefit 
  • Rehabilitation benefit 
  • Annual increase in disability income benefit 
  • Converting to an individual policy benefit 

Accidental death benefit

With an option for the following add-on benefit:

  • Continuing cover if disabled benefit 
  • Converting to an individual policy benefit

Total and temporary disability benefit

With an option for the following add-on benefits:

  • Employer benefit (waiver) 
  • Medical premium waiver benefit 
  • Annual increase in disability income benefit 
  • Converting to an individual policy benefit 

Credit life

  • Death benefit 
  • Lump sum disability benefit 
  • Total and temporary disability benefit 

Accidental lump sum disability benefit

Accidental lump sum disability benefit. Provides a lump sum pay-out for a disability caused by an accident.

Dismemberment benefit

Dismemberment benefit. Provides monetary compensation based on a percentage of the benefit, following dismemberment caused by an accident.