A lump-sum payout if you become permanently disabled and are no longer able to earn an income, so you can adapt your life and finances without added financial strain.
A single payout to cover medical costs, home adaptations, or debt settlement after a disabling event.
Choose cover based on your inability to do your own job, not just any job.
Optional add-on for a fixed payout on specific injuries, regardless of income loss.
| Cover feature | Detail |
|---|---|
| Minimum cover amount | R200,000 |
| Maximum cover amount | R15,000,000 |
| Definition options | Own-occupation or any-occupation |
| Waiting period | None for accidental disability; 6 months for illness-related claims |
This depends on your chosen definition — own-occupation cover pays out if you can't do your specific job, while any-occupation cover requires you to be unable to do any suited work.
Yes, Disability Cover can be taken out as a standalone policy, though many clients combine it with Life Cover.
No — this product covers permanent disability; temporary loss of income is covered by Income Protection instead.
An adviser at Mzansi Advisors can help you choose between own-occupation and any-occupation cover — at no extra cost.
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