Functional Impairment

Is your job physically demanding or do you travel more than the average person? Or, are you a student, housewife/househusband or retiree? Have you thought about how you will pay for once-off disability related expenses such as caregiver costs, rehabilitation costs, or similar, if you suffer a permanent injury or illness? If you see yourself in any of these groups, you might want to consider protecting yourself with GREENLIGHT Functional Impairment Benefit.

How does it work?

It will pay you a lump sum if your illness or injury is permanent and you cannot do your normal day-to-day activities. It will pay a partial amount if you have a less severe medical problem that causes some loss of bodily function and interferes with one or more day-to-day activities such as your ability to eat, bath and get dressed on your own.

The amount of cover you can buy varies from R100 000 to R30 million. You also have the choice to protect your income for your entire life (whole-life cover) or for a specific period (term cover).

More reasons to choose GREENLIGHT Functional Impairment Benefit:

  • It offers protection against mild and severe permanent illnesses and injuries.
  • It offers protection if you cannot do normal day-to-day activities such as dressing, bathing or eating on your own.
  • It is available to HIV positive customers.

View the other GREENLIGHT products


Life Cover

Life insurance pays out a lump sum when you die. This type of long-term insurance is typically used to:

  • Cover debt and estate duty costs.
  • Cover funeral expenses
  • Generate an income for your family from the lump sum payable

Retrenchment & Illness Cover

Lifestyle Adjustment Cover helps you cover the unexpected costs of retrenchment, a life-changing severe illness or injury. Typically used to:

  • Replace your income for six months if retrenched
  • Cover unexpected expenses after suffering severe illness or injury

Future Needs Cover

Protects you against future uninsurability; the inability to pay premiums and save for emergencies. This type of insurance can be used to:

  • Buy lump sum cover in the future even if your health changes.
  • Continue premium payments
  • Meet a savings goal

Business Insurance

Business cover protects you, your business and key people in your business. Choose the cover you need:

  • Key man insurance covers people crucial to your business
  • Business overhead expense insurance covers monthly business overhead costs if you become occupationally or physically disabled.
  • Continue the business if owners become disabled or die