Most people choose to have at least R350,000 of disability cover, but opt for about 6 months of income (after tax but before other deductions) if that’s higher. We’ll help you work out what cover you need in just minutes.

We’ll pay all claims as fast as possible. How long that’ll take depends on the nature of the claim, as well as how quickly we’re given the claims documentation.

You can skip a total of 6 premiums during the first 3 years of having an active policy. You'll still be covered, but your cover will be temporarily reduced until you make up the payment. If you skip all 6 premiums, and you don't make up the last payment before your next billing date, your policy will lapse and your cover will fall away. Any claims made during this period will not be paid out.

The cover will end when you turn 70. Obviously, if you die, then the cover will also stop. If you retire before turning 70, you must remove this product, since you will not be able to claim if you are no longer earning an income from your job.