Different types of disability cover

Disability insurance provides you with the assurance that your family’s expenses, as well as your own, will be covered if you become disabled through injury or illness. We all deserve financial peace of mind in the unfortunate event that we are no longer able to work because of disability but what cover options are available?

Old Mutual offers a range of products that’s suits for your needs. A financial adviser will be able to guide you to make the right choice:

Severe illness

Severe illness benefit from Old Mutual GREENLIGHT covers 84 severe illnesses, 9 early diagnosis illnesses including certain early diagnosis cancers. Our online quote will show you how much you can expect to pay for the cover you want.

Physical disability benefit

Have you ever thought about what would happen to you or your family should you suffer a physical disability? Who will cover the costs? What if you need a wheelchair? The physical impairment benefit will pay you a lump sum if you suffer any of the specified physical impairments. The amount of cover you can buy varies from R100 000 to R4 million. You also have the choice to protect yourself for your entire life (whole-life cover) or for a specific period (term cover).

Functional disability benefit

What would you do if you got injured while working? How would you pay for disability related expenses such as a caregiver and rehabilitation costs? Functional disability cover is regarded as a loss of or limit to your full functional capacity affecting your ability to work or do normal day-to-day activities. This benefit provides salary protection paying a monthly income for temporary or permanent conditions, even if it is only for a few days or more. It also includes maternity benefit cover.

Temporary salary benefit

Temporary salary insurance provides you with income protection for your specific job for up to 48 months. It helps you to replace any lost income if you cannot work because of a temporary or permanent illness or injury, even if it is only for a few days or more. It also includes fracture cover.

Try our online quote tool to view the different cover options for you.

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