Income products
Income disability cover pays you a monthly income when you are unable to work as a result of illness or injury.
Your injury or illness need not be permanent.
Disability cover
Disability cover pays you a lump sum amount if you become permanently disabled and are unable to work.
You can decide how much you would like the lump sum to be and how long you want to be covered, however cover ceases at retirement (in most cases at age 65).
Dread disease cover
Critical illness cover pays you a lump sum amount if you are diagnosed with any of the specified severe illnesses ,such as cancer, a stroke, a heart attack, etc.
Dread disease cover pays you a lump sum amount if you are diagnosed with any of the specified severe illnesses, such as cancer, a stroke, a heart attack, etc. The specified illnesses vary between insurers. The lump sum amount can be used for any related expenses of your choice. The lump sum amount can be used to settle outstanding debts or to pay for the medical treatment and procedures not covered by your medical aid.
Medical aid
We offer hospital plans and basic to comprehensive medical aid to look after your healthcare needs. Medical aid covers hospitalisation and medical costs if you get sick.
- Hospital plans: cover you for in-hospital care and some chronic conditions, but you are not covered for any out-of-hospital costs (such as doctor, optometrist and dentist visits)
- Savings plans combine a hospital plan with an annual rand amount, which you pay to build up medical aid savings that can fund out-of-hospital costs. If you don't use your savings, they carry over to the next year
- Network plans have a lower premium but you must consult medical practitioners from an approved list. Day-to-day benefits such as doctor visits and prescribed medication is generally unlimited, but basic.
- Limited comprehensive plans provide comprehensive medical aid cover but your cover is limited to a specified amount.
- Fully comprehensive plans give you extensive cover for hospitalisation and day-to-day benefits.
- Traditional plans cover you for in-hospital care, defined chronic conditions and day-to-day benefits. The scheme sets rand amounts for the various day-to-day benefits available for the year, which fall away at the end of the year if not used.
We are contracted with most open medical schemes, which enables you to select a medical scheme option to match your needs. To thoroughly evaluate your medical aid needs and find the most suitable cover for you, please contact a financial adviser.
Gap Cover
Gap cover helps you to cover the hospitalisation and medical costs that your medical aid does not cover when you make a claim. That means when medical practitioners charge more than medical aid rates, gap cover will make sure that you are not out-of-pocket.
Top-up your healthcare cover to give yourself greater peace of mind.
You can cover:
Shortfalls on authorised in-hospital procedures.
Co-payments on procedures, upfront deductibles and sub-limits.
Other costs, such as in-hospital recovery, maternity and oncology benefits.
Please note that you must have medical aid cover to take out gap cover.
Life cover
Life cover provides your nominated beneficiaries or pays your estate with a lump sum of money in the event of your death.
It is your decision how long you want this cover for (a set period, or until your death) and the amount you would prefer the lump sum payment to be.
Income products
Income disability cover pays you a monthly income when you are unable to work as a result of illness or injury.
Your injury or illness need not be permanent.
Disability cover
Disability cover pays you a lump sum amount if you become permanently disabled and are unable to work.
You can decide how much you would like the lump sum to be and how long you want to be covered, however cover ceases at retirement (in most cases at age 65).
Dread disease cover
Critical illness cover pays you a lump sum amount if you are diagnosed with any of the specified severe illnesses ,such as cancer, a stroke, a heart attack, etc.
Dread disease cover pays you a lump sum amount if you are diagnosed with any of the specified severe illnesses, such as cancer, a stroke, a heart attack, etc. The specified illnesses vary between insurers. The lump sum amount can be used for any related expenses of your choice. The lump sum amount can be used to settle outstanding debts or to pay for the medical treatment and procedures not covered by your medical aid.
Medical aid
We offer hospital plans and basic to comprehensive medical aid to look after your healthcare needs. Medical aid covers hospitalisation and medical costs if you get sick.
- Hospital plans: cover you for in-hospital care and some chronic conditions, but you are not covered for any out-of-hospital costs (such as doctor, optometrist and dentist visits)
- Savings plans combine a hospital plan with an annual rand amount, which you pay to build up medical aid savings that can fund out-of-hospital costs. If you don't use your savings, they carry over to the next year
- Network plans have a lower premium but you must consult medical practitioners from an approved list. Day-to-day benefits such as doctor visits and prescribed medication is generally unlimited, but basic.
- Limited comprehensive plans provide comprehensive medical aid cover but your cover is limited to a specified amount.
- Fully comprehensive plans give you extensive cover for hospitalisation and day-to-day benefits.
- Traditional plans cover you for in-hospital care, defined chronic conditions and day-to-day benefits. The scheme sets rand amounts for the various day-to-day benefits available for the year, which fall away at the end of the year if not used.
We are contracted with most open medical schemes, which enables you to select a medical scheme option to match your needs. To thoroughly evaluate your medical aid needs and find the most suitable cover for you, please contact a financial adviser.
Gap Cover
Gap cover helps you to cover the hospitalisation and medical costs that your medical aid does not cover when you make a claim. That means when medical practitioners charge more than medical aid rates, gap cover will make sure that you are not out-of-pocket.
Top-up your healthcare cover to give yourself greater peace of mind.
You can cover:
Shortfalls on authorised in-hospital procedures.
Co-payments on procedures, upfront deductibles and sub-limits.
Other costs, such as in-hospital recovery, maternity and oncology benefits.
Please note that you must have medical aid cover to take out gap cover.
Life cover
Life cover provides your nominated beneficiaries or pays your estate with a lump sum of money in the event of your death.
It is your decision how long you want this cover for (a set period, or until your death) and the amount you would prefer the lump sum payment to be.
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