Disability Insurance | Life Insurance

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?

This cover will replace your income if you’re unable to work due to an accident or illness.
Choose the cover you need at the price you can afford.
Cover that pays a lump sum of up to R10 million and monthly income payments of up to R100 000.

See what it Covers

Why choose our impairment cover?

Maybe you’re a computer programmer and you become partially paralysed? You’d still be able to do your job, even though you may need a wheelchair to get around.

This cover is not specifically related to your ability to earn a living.
It’s designed to help with the cost of adjusting to your new lifestyle, such as installing a wheelchair ramp or buying appliances not covered by your medical aid.
Receive a lump sum of up to R10 million or monthly income payments of up to R100 000.
This cover is a great option for those who can’t get disability cover because they’re considered too high risk in terms of their occupation.

Why choose our Disability Plus?

Keen to get the best of both? Disability Plus is the all-in-one insurance plan that covers you for disability and impairment:

Get paid out a lump sum and monthly payments.
Receive a tax-free lump sum payout of up to R10 million and, after the waiting period has expired, 1% of the lump sum will be paid monthly as an income.
It only has one general exclusion: don’t hurt yourself intentionally.
If you’re a smoker who intends to quit within 12 months, get 10% off your premiums.

Added Benefits

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.

Contact us

Telephone number:
0860 00 00 11

Email:
lifeclientservice@hollard.co.za

Contact Our Claims Department:
Mon - Fri: 08:00 - 17:00

Walk-In Centre Hours:
Mon -Thurs: 08:00 - 16:30

Find A Walk-In Centre Closest To You

Check and update your policy

Telephone number:
0860 00 00 11

Can you get cover after breast cancer?

Modern medical advances have made it possible for more and more women to beat breast cancer, but cancer survivors are still at a higher risk of developing cancer again or having complications caused by their treatment...

Disability & Impairment

Make sure the bills get paid, no matter what