Severe Illness Benefit

In this day and age, more and more people are being affected by life changing events such as heart attacks, cancer and strokes and there really is no underestimating the dramatic impact such an illness can have on you and your lifestyle, not to mention your family and loved-ones.

Many other popular illness covers from other companies have varying cover depending on the severity of the illness suffered. For example, if you suffer a heart attack and it is medically classified as a “mild” attack, it’s more than likely that you will only be paid out 50% of your cover amount with many other insurers.

What truly sets Greenlight apart when it comes to severe illness cover, is that we pay 100% of cover for all levels of severities for all four major illnesses in this category, namely heart attack, cancer, stroke and coronary artery bypass graft. These four illnesses account for 93% of all Greenlight's illness claims in 2008.

GREENLIGHT celebrates the standardised industry definitions for the four “core” diseases. Objectively measured against industry-standard definitions, we pay 100% for the four severity levels from mild to severe, as you can see in the grids below: (*Severity A is the most severe level of illness. **Severity D is the least severe level of illness.)

Illnesses and severity levels in the above table are applicable to the Severe Illness (Core) Benefit, Severe Illness (Comprehensive) Benefit and Extensive Illness Benefit.

*Severity A is the most severe level of illness. **Severity D is the least severe level of illness.

Illnesses and severity levels in the above tables are as per the Standardised Critical Illness Definitions Project (SCIDEP) of the Association for Savings and Investment South Africa (ASISA). Old Mutual has implemented these in our benefits, and is the first insurer to disclose the grid on quotes.

GREENLIGHT firmly believes that even at “mild” severity levels, an illness can still have a huge impact on your lifestyle. Because of this, our illness cover does not differentiate between “mild” and more severe illnesses, and we acknowledge that any severe illness, no matter the classification, needs 100% cover so that you can rest assured knowing that you will be financially safe.

Features and Benefits

• We pay what we promise – no excuses! You'll receive 100% of your cover amount, for all four severe illnesses covered.
• Simple, understandable language with very little medical jargon.
• You can access cover for a comprehensive range of severe illnesses, including blindness and trauma.
• LifeQuality from Old Mutual will cover you if you need help with, or can't do day-to-day chores such as washing and dressing yourself, no matter what the medical reason.
• Fair treatment - If one of the four major illnesses must be excluded from your cover after assessing you medically, we will at least reduce your premium to fairly reflect your reduced cover.
• Children can be covered too.

Need more info?

SMS GREENLIGHTW to 32868 and we’ll call you back.