A disability shouldn't stop
you from living your life
Neither should your insurance.

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.

  • 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.
  • 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.
  • Choose your add-ons such as Cashback or Premium Protection.
  • A South African man enjoys spending time outside with his child.
    Choose Disability insurance that's right for you

    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 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 South African children enjoy playtime together.
    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.

      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.

      DISABILITY INSURANCE

      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 AND 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 EXPENSES 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.

      Cashback pays back a percentage of your premiums every five years on the cashback anniversary - putting money back in your pocket.

      This benefit ensures that cover continues if the premium payer becomes disabled, impaired, is retrenched or dies.