Comprehensive
Life Cover
From one of the trusted life insurance companies in South Africa
Features and benefits
Looking for a more straightforward approach to life insurance? We're proud to offer Hollard Life Select, our answer to your need for clear, transparent life cover that provides financial stability for your loved ones should the unexpected happen.
Hollard Life Select is for you if...
you need easy to understand comprehensive life insurance.
Who can be covered?
South Africans between the ages of 18 and 69, depending on the benefit chosen.
Key features
- Life Cover
- Disability Cover
- Income Protection
- Critical Illness Cover
I would like to talk to someone
Send us your details and we will give you a call.
What makes Hollard Life Select different?
Hollard Life Select gives you peace of mind thanks to our dedication to providing comprehensive, compassionate support when it matters most. We go beyond basic life insurance, offering a range of integrated benefits including Life Cover, Disability Cover and Income Protection, and Critical Illness Cover, ensuring your family has a safety net, whatever life may bring.
Important Notice
Please be aware of scams asking for your card and CVV details. Hollard will never request this information. If you need to verify any request, please contact us directly to ensure your safety. Thank you for your attention and understanding.
Choose one, two or all of these benefits to add to your Life Select policy
Select Life Cover
Life Cover provides a lump sum payment when the insured person passes away, giving your family essential financial support. You also have the option of our Death Income Benefit, which provides guaranteed tax-free income to beneficiaries to meet their monthly expenses. Individuals who may not qualify for Life Cover also have the option of our Deferred Life and Accidental Death Benefits.
Who can take this cover?
South Africans between the ages of 18 and 69.
Key features
- Pays a lump or monthly sum on the death of the insured.
- Terminal illness for the insured is also covered, where the expectation is that death will occur within 12 months of the diagnosis.
- Multiple lives can be insured on the same policy.
- Select any cover term (between 5 and 30 years) or choose lifetime coverage, depending on the benefit.
- Premium guaranteed for up to 10 years.
- Includes a Final Expense Benefit with payments of up to R40,000 to provide for immediate expenses if the insured, their spouse or children pass away.
- The Interim Accident Benefit provides up to R500 000 cover if the insured dies due to an accident within 30 days of applying for cover and the policy is not in force yet.
- Also available for business assurance (e.g. key-person or buy and sell agreements).
Select Disability Cover
Hollard Disability Cover provides a lump sum if you become permanently unable to work due to a specified injury, illness or surgery. Our cover is designed to provide support so you don’t have to worry about your finances during this difficult time.
Who can take this cover?
South Africans between the ages of 18 and 59.
Key features
- Payouts from R100,000 up to R25 million.
- Lump sum payout for permanent disability, and partial or total impairment.
- Premium guaranteed for 10 years.
- Flexible options for term or lifetime coverage.
Select Income Protection
Hollard Income Protection protects your family by providing a tax-free monthly income if you become seriously ill or injured and meet the claim criteria. We provide compassionate financial support ensuring you have the stability you need.
Who can take this cover?
South Africans between the ages of 18 and 59.
Key features
- Provides cover up to R150,000 per month.
- Additional payout if the insured person passes away while a claim is being paid.
- Premium guaranteed for up to 10 years.
- Up to a maximum of 10% yearly increase to your payout to meet the increased cost of living.
- Premium will be waived for the duration of the claim.
- Flexible benefit options, including long-term care and business overhead.
Select Critical Illness Cover
Hollard Critical Illness Cover provides comprehensive financial, medical and practical support to help you navigate life's toughest health challenges. From expert medical guidance and wellness support available from the start of your cover, to monthly payments during recovery and enhanced family benefits, you and your family will have access to support when and where you need it most.
Who can take this cover?
South Africans between the ages of 18 and 69.
Key features
- Cover from R100,000 to R10 million.
- Comprehensive cover with up to 20 benefit categories, including cancer, cardiac, HIV and Catch-All benefits for conditions that don't meet specific illness definitions.
- Access to Medical Second Opinion and Wellness & Assistance services, with selected support available without needing to claim first.
- Optional Income Benefit that pays monthly for 12 months after a qualifying claim, with any unpaid balance paid to your estate if you pass away while receiving payment.
- Spouse and parents' benefits available on selected options, providing protection for the people who matter most.
- Enhanced cancer protection with claim payments of up to 200% for a single cancer claim on selected options, and 75% cover following remission of more than 12 months for qualifying recurrence claims.
- Premium guaranteed for 10 years.
- Lifetime benefit term.
Features and benefits
Whether you're looking to protect your growing family, protect the older generation with life cover for parents, or protect your business, Hollard Life Select offers comprehensive coverage that's refreshingly easy to understand.
That’s why we believe life insurance should be simple, with no confusing jargon or hidden clauses. You deserve to know exactly what's covered and what isn't, so you can make informed decisions about protecting your family's future.
That's precisely why we created Hollard Life Select, a life cover solution designed to give you absolute confidence in your coverage.
Here are two easy ways to get started with Hollard Life Select
-
Connect with a broker or financial adviser
Get personalised guidance and support through one of our trusted brokers or financial advisers. They can help you understand your options and assist you through the application process.
-
Request a callback
Simply provide your contact details and one of our accredited financial advisers will call you back to discuss your needs and assist with your application.
Why choose Hollard?
Purpose-driven team
Our 3,500+ Hollardites are purpose-driven, helping us create shared value through the business we do and the way we do business.
Trusted by millions
More than 4 million people trust Hollard Insurance to protect what matters.
Strong partnerships
Partnership has been at the core of our business since we opened our doors in 1980.
Broker and partner solutions
We believe in the power of intermediaries and deliver our solutions through brokers, advisers and partners.
Pan-African presence
Hollard International currently operates in nine African countries outside of South Africa, namely Mozambique, Namibia, Botswana, Ghana, Zambia, Lesotho, and most recently Kenya, Tanzania and Uganda (through our APA partnership).
Comprehensive offerings
Our broad range of specialist insurance offerings covers almost all personal and business risks.
Innovative partnerships
Through ground-breaking partnerships, we’re extending the power of insurance protection to underserved markets.
Specialist corporate solutions
Our cell captive licenses extend our ability to cater for specialist corporate insurance needs.
Purpose-driven team
Our 3,500+ Hollardites are purpose-driven, helping us create shared value through the business we do and the way we do business.
Trusted by millions
More than 4 million people trust Hollard Insurance to protect what matters.
Strong partnerships
Partnership has been at the core of our business since we opened our doors in 1980.
Broker and partner solutions
We believe in the power of intermediaries and deliver our solutions through brokers, advisers and partners.
Pan-African presence
Hollard International currently operates in nine African countries outside of South Africa, namely Mozambique, Namibia, Botswana, Ghana, Zambia, Lesotho, and most recently Kenya, Tanzania and Uganda (through our APA partnership).
Comprehensive offerings
Our broad range of specialist insurance offerings covers almost all personal and business risks.
Innovative partnerships
Through ground-breaking partnerships, we’re extending the power of insurance protection to underserved markets.
Specialist corporate solutions
Our cell captive licenses extend our ability to cater for specialist corporate insurance needs.
Frequently asked
questions
This FAQ is intended for informational purposes and may not reflect the terms of all existing policies. Benefits described here are subject to the terms and conditions of your specific policy.
What is Comprehensive Life Cover?
Comprehensive Life Cover is a life insurance product that provides financial protection for your loved ones in the event of your death.
Who is eligible for Comprehensive Life Cover?
Individuals between the ages of 18 and 69 are eligible to apply for Comprehensive Life Cover, depending on the benefit chosen.
What benefits are included in Comprehensive Life Cover?
Benefits include life cover, disability and impairment cover, critical illness cover and optional add-ons.
What disabilities are covered?
Covers specific injuries or illnesses, such as loss of limbs, traumatic head injuries, and certain heart conditions. You must have been gainfully employed for at least six months before becoming disabled.
How do I apply for Comprehensive Life Cover?
You can apply online through the Hollard website, contact a broker, or call the customer service centre for assistance.
Do I need to undergo a medical examination to apply?
No medical examinations or HIV tests are required to apply for Comprehensive Life Cover, but you may be referred for medical tests.
Can I opt to increase my cover over time?
Yes, you can select to increase your cover between 0 and 10% per year to account for the rising cost of living. This will increase the premium on your policy.
How do I make a claim?
- To make a claim, contact the Hollard claims department via phone or email, and they will guide you through the process.
- You can claim for a disability with a medical practitioner confirmation according to Hollard Life’s criteria. There’s a three-month survival period before payout.
Are there any exclusions?
- Life Cover excludes suicide or assisted suicide for the first two years, which can either be waived or reduced with proof of prior insurance.
- Disability and Critical Illness excludes self-inflicted injuries and self-induced conditions.
Questions about Hollard Life Insurance?
Call Policy Administration & Claims on
0800 935 465 or email mypolicy@hollard.co.za