Replace up to 75% of your income if illness or injury temporarily or permanently keeps you from working, so your monthly bills keep getting paid.
A regular monthly payout replaces lost income for as long as you remain unable to work, up to your policy term.
A shorter waiting period costs more; a longer one lowers your premium if you have savings to bridge the gap.
Covers both temporary and long-term inability to work, from a broken leg to a chronic illness.
| Cover feature | Detail |
|---|---|
| Maximum income replacement | 75% of gross monthly income |
| Waiting period options | 1, 3 or 6 months |
| Benefit payment term | Up to age 65, or a selected shorter term |
| Claim waiting period | Matches your selected policy waiting period |
Typically up to 75% of your gross monthly income, in line with industry underwriting limits.
A 1-month waiting period pays out sooner but costs more; a 6-month period is cheaper but assumes you have savings to cover the gap.
No — Income Protection pays a monthly benefit for temporary or long-term inability to work, while Disability Cover pays a single lump sum for permanent disability.
An adviser at Mzansi Advisors can weigh this against your savings and monthly budget — at no extra cost.
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