Protect the lifestyle you have worked hard to build.
Old Mutual’s Disability insurance can help protect your income, lifestyle and future plans. We know that no two people are the same so we offer a variety of cover options. You can also personalise your cover even further by adding optional benefits and features.
Today, Rudi is a passionate cyclist whose story reminds us that disability can happen to anyone, making it important to plan for the unexpected. Watch his story to learn more about protecting your income and financial future.
- Choose your cover: Select one of our Disability insurance options
- Personalise your cover: Add benefits that work for you
- Add features: You have the option of adding Cashback or Premium protection to your cover
- Income Extender Benefit – Extends monthly payments beyond 24 months.
- Sickness Benefit – Monthly tax-free payments if illness or injury prevents you from working.
- Family Support Benefit – Get financial support when caring for a family member who has a severe illness and needs you to care for them.
- Own Occupation Benefit – Pays you a single tax-free amount if you’re unable to do your job.
- Partial Functional Impairment Benefit – Cover for less severe impairments.
- Child Impairment Benefit – Cover for child impairments and birth defects.
Take a look at some of the frequently asked questions below.
They cover you if an illness or injury causes you to lose function in certain body parts, or leaves you unable to work or take care of yourself. You need to be employed to qualify for these products.
Our Disability Insurance is available from your financial adviser. Unlike off-the-shelf products, our products are designed around what you need and what you can afford. Your adviser is best placed to help you build your customised cover. If you don't have an adviser, please call 0860 60 60 60 or find an adviser here.
This benefit ensures that cover continues if the premium payer becomes disabled, impaired, is retrenched or dies.
These products cover you for the loss of function in certain parts of the body, as well as the inability to take care of yourself because of an illness or injury. You don't have to be employed to qualify for these products.
These documents contain all the rules and disclosures related to the products and the benefits available on each. They are provided to you so that you can read all the information to make an informed decision about the products and whether you should apply for them or want to see all the information before you finalise your application. This is an indication of the contract you will receive if we accept your application but that contract will only include the benefits and options you have selected and we have accepted.
To download, click on the product name of the rules and disclosures you wish to see.
COVER THAT PAYS A SINGLE AMOUNT
Disability Cover - Pays if you can’t work or take care of yourself because an illness or injury has permanently disabled or impaired you.
Functional Impairment Cover - Pays if you can’t take care of yourself because an illness or injury has permanently impaired you.
Physical Impairment Cover - Pays if an illness or injury permanently physically impairs you, such as hearing loss or the loss of a limb.
Accidental Disability & Death Cover - Pays if you, because of an accident, become permanently disabled and can’t work or physically impaired, or you die.
COVER THAT PAYS A MONTHLY INCOME
Disability Income Cover - Pays if you can’t work or take care of yourself because you are temporarily, partially or permanently disabled or impaired
Functional Impairment Income Cover - Pays if you can’t take care of yourself because you are temporarily, partially or permanently impaired.
Business Expense Cover - Pays if you become temporarily, partially or permanently disabled or impaired and can’t contribute to business expenses.