What is Old Mutual's Disability Insurance?
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.
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.
When your world changes, your future stays yours to shape. Marina Cilliers’ story at 53 is a powerful reminder that even in the face of uncertainty, you can still take control of what comes next. Change may be inevitable, but its impact can be lessened with the right support and preparation. With the steady guidance of an Old Mutual adviser, you can protect the life you’ve built and stay focused on what truly matters. Because peace of mind isn’t just about planning—it’s about knowing you’re never alone in the journey.
Rudi Joubert went to his work at an engineering firm in Secunda. As he was moving down a demarcated walkway, a ton of steel collapsed on him, crushing his foot on impact. There was no choice but to amputate his leg.
A few years prior to the accident, Rudi had listened to the advice of his financial adviser and took out disability insurance with Old Mutual. This decision meant that he could focus on his recovery and adapting to his new way of life, safe in the knowledge that he, and his family, were financially secure. Rudi soon picked up cycling as a sport and excelled despite his disability and now inspires every rider he comes across on the trails.
As humans, we shy away from confronting the possibility that something like a disability could happen to us. However, Rudi is a shining example that it can happen to anyone at any time, regardless of age, gender or lifestyle.
Take 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 and limited to what you qualify for
Old Mutual Protect Disability Income Cover
From
R6 000 and limited to what you qualify for
Old Mutual Protect Functional Impairment Cover
From R100 000 and limited to what you qualify for
Old Mutual Protect Functional Impairment Income Cover
From
R3 000 and limited to what you qualify for
Old Mutual Protect Physical Impairment Cover
From R100 000 and limited to what you qualify for
Old Mutual Protect Accidental Disability and Death Cover
From R100 000 to and limited to what you qualify for
Old Mutual Protect Business Expenses Cover
From
R6 000 and limited to what you qualify for
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
Old Mutual Protect Disability Cover
From R100 000 and limited to what you qualify for
Features
Old Mutual Protect Disability Income Cover
From
R6 000 and limited to what you qualify for
Features
Old Mutual Protect Functional Impairment Cover
From R100 000 and limited to what you qualify for
Features
Old Mutual Protect Functional Impairment Income Cover
From
R3 000 and limited to what you qualify for
Features
Old Mutual Protect Physical Impairment Cover
From R100 000 and limited to what you qualify for
Features
Old Mutual Protect Accidental Disability and Death Cover
From R100 000 to and limited to what you qualify for
Features
Old Mutual Protect Business Expenses Cover
From
R6 000 and limited to what you qualify for
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
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
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
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
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
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
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
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.
Take a look at some of the frequently asked questions below.
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.
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.
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.
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.
This benefit ensures that cover continues if the premium payer becomes disabled, impaired, is retrenched or dies.