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Hollard Disability Cover

Disability cover benefits

Our disability cover can be taken in conjunction with Hollard life insurance, or as standalone cover for disability.

What is disability cover?

Disability cover pays out a lump sum if you’ve become occupationally disabled and therefore unable to continue working. It includes cover for total or partial impairment. Occupational disability[AB2]  is defined as the total and irreversible inability of the life insured to perform their occupation. This could be due to sickness, injury, disease, illness, or surgical operation.

Who is it for?

Anyone between the ages 19 up to 60 at their next birthday. It is for you, as an individual, or you can have multiple people on one policy.

What makes Hollard Disability Cover different?

  • Payout of a minimum of R100 000 up to R10 million.
  • The premium is guaranteed for 10 years.
  • It is a lump sum payment that covers partial and total impairment.
  • Choose your benefit cover for a term or for whole of life.

Important points

You must notify Hollard if any of the following scenarios apply:

  • You change occupations.
  • You take on more than one occupation.
  • There has been a change in the type of work you’re doing.

In addition to the above, the following also applies to be eligible for Hollard Disability Cover:

  • You must have been gainfully employed for no less than six months before becoming disabled.
  • You can claim when a medical practitioner confirms your diagnosis to the satisfaction of Hollard Life's claim criteria.
  • There is a three-month survival period before you get paid out.
  • Self-inflicted injuries are the only exclusion.

Add Hollard Disability Cover to your Life Select life insurance policy, or take it on its own.

Get a no-obligation quote today.

You may also want to consider our Life Cover and Critical Illness Cover .

Additional life cover benefits

  • Minimum cover of R250 000.
  • Unlimited maximum life cover amount, subject to financial justification and availability of reinsurance.
  • A maximum payout of R500 000 in the event of accidental death via the Interim Accident Benefit.

Important points

  • You will need to provide recognition of prior insurance[AB1] [KS2] .
  • Each life insured’s Final Expense benefit amount is accelerated from the death benefit amount.
  • Cover for the spouse and children in the first 12 months are for accidental death.
  • Cover for your nominated spouse ceases before their 65th birthday.
  • Cover for your nominated child or children ends before their 25th birthday.
  • No payment will be made where the policyholder and the life insured are different people or institutions and where there is a collateral cession against the policy.
  • The only exclusions are if the death was suicide or assisted suicide.

Add Hollard Life Cover to your Life Select life insurance policy, or take it on its own.

Get a no-obligation quote today.

You may also want to consider our Disability Cover and Critical Illness Cover.