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What is Old Mutual's Disability insurance?

Old Mutual's Disability insurance pays out a single amount or monthly payments (depending on the type of cover you choose) if you, due to an illness or injury are impaired, unable to work or to take care of yourself.

And because no two people are the same, we let you choose the type of cover you need. You can also personalise your cover by adding on extra benefits and features.
How does it work?

Choosing the right cover doesn’t have to be daunting. With the help of your adviser, you just need to follow these three quick and easy steps.

  1. Choose your cover. Choose between cover that pays out a single amount (Old Mutual Protect Disability Cover, Old Mutual Protect Functional Impairment Cover, Old Mutual Protect Physical Impairment Cover or Old Mutual Protect Accidental Disability and Death Cover) or a monthly payment (Old Mutual Protect Disability Income Cover, Old Mutual Protect Functional Impairment Income Cover or Old Mutual Protect Business Expenses Cover) if your claim is valid.
  2. Enrich your cover by paying extra for benefits such as Family Support Benefit, Sickness Benefit, Child Impairment Benefit and many more other helpful benefits on offer.
  3. Choose your add-ons such as Cashback or Premium Protection.
Man in a wheelchair
Choose Disability insurance that's right for youTake a look at the different types of cover on offer as well as the additional benefits and add-ons
Cover amount
Old Mutual Protect Disability Cover
From R100 000 to R30 million
Old Mutual Protect Disability Income Cover
From
R6 000 to R250 000
Old Mutual Protect Functional Impairment Cover
From R100 000 to R30 million
Old Mutual Protect Functional Impairment Income Cover
From
R3 000 to R250 000
Old Mutual Protect Physical Impairment Cover
From R100 000 to R4 million
Old Mutual Protect Accidental Disability and Death Cover
From R100 000 to R2 million
Old Mutual Protect Business Expenses Cover
From
R6 000 to R250 000

Type of payout

Single payment

Monthly payment

Single payment

Monthly payment

Single payment

Single payment

Monthly payment

You need to be employed to get this cover

Choose if and how you want your cover and premium to increase

Pays for certain fractures

If you’re younger than 34 and work in certain professional occupations, we’ll double your increasing cover pattern for up to five years while you’re receiving monthly payments for a disability or impairment

Add on benefits at an extra cost to enhance your cover

Add on Premium Protection to ensure that premiums are no longer payable and cover continues if the premium payer becomes disabled, impaired, is retrenched or dies

Add on Cashback - get a percentage of your premiums paid back every five years on the cashback anniversary

Old Mutual Protect Disability Cover
From R100 000 to R30 million
Features
Old Mutual Protect Disability Income Cover
From
R6 000 to R250 000
Features
Old Mutual Protect Functional Impairment Cover
From R100 000 to R30 million
Features
Old Mutual Protect Functional Impairment Income Cover
From
R3 000 to R250 000
Features
Old Mutual Protect Physical Impairment Cover
From R100 000 to R4 million
Features
Old Mutual Protect Accidental Disability and Death Cover
From R100 000 to R2 million
Features
Old Mutual Protect Business Expenses Cover
From
R6 000 to R250 000
Features

Type of payout

Single payment

You need to be employed to get this cover

Choose if and how you want your cover and premium to increase

Pays for certain fractures

If you’re younger than 34 and work in certain professional occupations, we’ll double your increasing cover pattern for up to five years while you’re receiving monthly payments for a disability or impairment

Add on benefits at an extra cost to enhance your cover

Add on Premium Protection to ensure that premiums are no longer payable and cover continues if the premium payer becomes disabled, impaired, is retrenched or dies

Add on Cashback - get a percentage of your premiums paid back every five years on the cashback anniversary

Type of payout

Monthly payment

You need to be employed to get this cover

Choose if and how you want your cover and premium to increase

Pays for certain fractures

If you’re younger than 34 and work in certain professional occupations, we’ll double your increasing cover pattern for up to five years while you’re receiving monthly payments for a disability or impairment

Add on benefits at an extra cost to enhance your cover

Add on Premium Protection to ensure that premiums are no longer payable and cover continues if the premium payer becomes disabled, impaired, is retrenched or dies

Add on Cashback - get a percentage of your premiums paid back every five years on the cashback anniversary

Type of payout

Single payment

You need to be employed to get this cover

Choose if and how you want your cover and premium to increase

Pays for certain fractures

If you’re younger than 34 and work in certain professional occupations, we’ll double your increasing cover pattern for up to five years while you’re receiving monthly payments for a disability or impairment

Add on benefits at an extra cost to enhance your cover

Add on Premium Protection to ensure that premiums are no longer payable and cover continues if the premium payer becomes disabled, impaired, is retrenched or dies

Add on Cashback - get a percentage of your premiums paid back every five years on the cashback anniversary

Type of payout

Monthly payment

You need to be employed to get this cover

Choose if and how you want your cover and premium to increase

Pays for certain fractures

If you’re younger than 34 and work in certain professional occupations, we’ll double your increasing cover pattern for up to five years while you’re receiving monthly payments for a disability or impairment

Add on benefits at an extra cost to enhance your cover

Add on Premium Protection to ensure that premiums are no longer payable and cover continues if the premium payer becomes disabled, impaired, is retrenched or dies

Add on Cashback - get a percentage of your premiums paid back every five years on the cashback anniversary

Type of payout

Single payment

You need to be employed to get this cover

Choose if and how you want your cover and premium to increase

Pays for certain fractures

If you’re younger than 34 and work in certain professional occupations, we’ll double your increasing cover pattern for up to five years while you’re receiving monthly payments for a disability or impairment

Add on benefits at an extra cost to enhance your cover

Add on Premium Protection to ensure that premiums are no longer payable and cover continues if the premium payer becomes disabled, impaired, is retrenched or dies

Add on Cashback - get a percentage of your premiums paid back every five years on the cashback anniversary

Type of payout

Single payment

You need to be employed to get this cover

Choose if and how you want your cover and premium to increase

Pays for certain fractures

If you’re younger than 34 and work in certain professional occupations, we’ll double your increasing cover pattern for up to five years while you’re receiving monthly payments for a disability or impairment

Add on benefits at an extra cost to enhance your cover

Add on Premium Protection to ensure that premiums are no longer payable and cover continues if the premium payer becomes disabled, impaired, is retrenched or dies

Add on Cashback - get a percentage of your premiums paid back every five years on the cashback anniversary

Type of payout

Single payment

You need to be employed to get this cover

Choose if and how you want your cover and premium to increase

Pays for certain fractures

If you’re younger than 34 and work in certain professional occupations, we’ll double your increasing cover pattern for up to five years while you’re receiving monthly payments for a disability or impairment

Add on benefits at an extra cost to enhance your cover

Add on Premium Protection to ensure that premiums are no longer payable and cover continues if the premium payer becomes disabled, impaired, is retrenched or dies

Add on Cashback - get a percentage of your premiums paid back every five years on the cashback anniversary

What are the extra benefits exactly?

These are the benefits you can add (at an additional cost) depending on the cover you have selected.

  • Income Extender Benefit extends the monthly payments you receive beyond the maximum of 24 months for related events.
  • Sickness Benefit pays up to 24 monthly tax-free payments for related events when you’re booked off from work because of sickness or injury.
  • Family Support Benefit pays you up to three monthly tax-free payments if your spouse/partner or biological, step or legally adopted child younger than 18 has a severe illness and needs you to care for them; when your biological child is born or when you adopt a child younger than 3.
  • Own Occupation Benefit pays you a single tax-free amount if you’re unable to do your job.
  • Partial Functional Impairment Benefit pays you a percentage of the cover amount for less severe impairments.
  • Child Impairment Benefit pays you for child impairments and birth defects.
Two children hugging
    Why choose Old Mutual's Disability insurance?Because while it's designed for people, it's built for you.
    Learn more about Old Mutual's Disability insuranceIf you'd like to learn more, please download our informative brochure.
    Need to know more about Old Mutual's Disability insurance?Take a look at some of the frequently asked questions below.