Protect yourself
against the unexpected
Helping you earn an income when you're unable to.
personal solutions protect yourself against the unexpected

Want to protect your income?

Sudden disability, illness, or retrenchment often lead to loss of income.

Being unable to earn a regular income due to a sudden disability, retrenchment or a severe illness often means downgrading your lifestyle to one that's more affordable. But it doesn’t have to be like that. You don’t have to start living a different life because you're no longer able to work.

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Lump sum coverThis option offers a lump sum benefit. Please view some of our great solutions below, feel free to talk to an adviser or contact our call centre for more information.

Benefits

Extensive Disability Lump Sum Benefit
Pays a lump sum when you permanently can’t work because of an irreversible illness, injury or functional impairment. It includes partial payouts for less severe impairments.

Comprehensive Disability Benefit
Pays a lump sum when you’re permanently occupationally disabled or functionally impaired.

Functional Impairment Benefit
Pays a lump sum when you’re permanently functionally impaired. It includes partial payouts for less severe impairments.

Accidental Disability and/or Death Benefit
Pays a lump sum if you become disabled or die because of an accident, crime or violence.

Minimum cover

R100 000

R100 000

R100 000

R100 000

Maximum cover

R6 million (whole-life cover) or R30 million (term cover)

R6 million (whole-life cover) or R30 million (term cover)

R6 million (whole-life cover) or R30 million (term cover)

R2 million

Does it pay for temporary disability or impairment?

Does it pay for permanent disability or impairment?

Does it pay a lump sum?

Does it cover child disabilities?

Do I need to be occupationally disabled in order to claim?

Income protection cover Your income is essential to many things. When you lose it due to sickness, disability or physical impairment, you lose the ability to cover those daily costs of living. View some of our great solutions below and feel free to talk to an adviser or contact our call centre for more information.

Benefits

Disability Income Benefit

Pays a monthly income for as long as you can’t work, whether temporarily or permanently because of an illness, injury or functional impairment.

Sickness Income Benefit

Pays up to 24 monthly income payments when booked off sick.

Functional Impairment Income Benefit

Pays a monthly income for as long as you’re functionally impaired, whether temporarily or permanently.

Temporary Income Benefit

Pays up to 24 monthly income payments when you can’t work because of an illness or injury or are functionally impaired.

Minimum cover

R6 000/month

R6 000/month

R3 000/month

R6 000/month

Maximum cover

R50 000/month (whole-life cover)
R 200 000/month (term cover)

R250 000/month

R50 000/month (whole-life cover)
R200 000 (term cover)

R50 000 (whole-life cover)
R200 000 (term cover)

Protect income for entire life

Minimum waiting period

7-day minimum waiting period

7-day minimum waiting period

30-day waiting period

7-day minimum waiting period

Do I need to be employed?

Does it include maternity benefit?

Severe illness coverBe prepared against possible severe illness, make sure you're covered. The severe illness benefit from GREENLIGHT covers 84 severe illnesses, 9 early diagnosis illnesses including certain early diagnosis cancers. Please view some of our great solutions below, feel free to talk to an adviser or contact our call centre for more information.

Features

Elite Severe Illness PLUS Benefit
Covers 84 severe illnesses, 16 mild illnesses, 9 early diagnosed illnesses, 29 child severe illnesses

Premium Severe PLUS Benefit
Covers 84 severe illnesses and 9 early diagnosed illnesses (of which 7 are early cancers)

Essential Severe PLUS Benefit
Covers 68 severe illnesses and 9 early diagnosed illnesses (of which 7 are early cancers)

Physical Impairment Cover
Covers once-off lifestyle adjustment costs

Cover amount

From R100 000 to R6 million

From R100 000 to R6 million

From R100 000 to R6 million

From R100 000 to R4 million

100% severe illness cover

Pays out 25%, 50%, 75% or 100% based on the severity of your condition

Includes cover for child and mild illnesses

You can claim multiple times for unrelated conditions

25% cancer enhancer benefit

Includes a Lifestyle Enhancer benefit which boosts your payout to 200% if you meet qualifying criteria

*The features highlighted are for stand-alone cover.

Travel insuranceAnything can happen when you travel, from lost luggage to serious accidents. With Old Mutual Insure you don’t only travel with peace of mind, you enjoy your time away knowing that no matter what happens, you’re covered. Please view some of our great solutions below, feel free to talk to an adviser for more information or go ahead and get yourself covered.
Packages
Leisure Online Package
ideal for families, holiday makers and adventure seekers travelling abroad or locally.
Seniors Online Package
This option is exclusively for senior citizens. (from 71 to 81 years of age)

Benefits Included

A range of leisure packages to choose from, depending on your cover needs.

Family cover for a maximum of 5 accompanying children at no additional cost.

Additional assistance services such as telephonic medical advice, delivery of essential medicine and arrangements of medical repatriation.

A competitive schedule of tailored benefits and excesses.

Monitoring of medical conditions during and after hospitalisation.

Additional assistance services such as telephonic medical advice, delivery of essential medicine and arrangements of medical repatriation.

    Leisure Online Package
    This option is ideal for families, holiday makers and adventure seekers travelling abroad or locally.
    Seniors Online Package
    This option is exclusively for senior citizens. (from 71 to 81 years of age)
    Benefits include:
    • A range of leisure packages to choose from, depending on your cover needs
    • Family cover for a maximum of 5 accompanying children at no additional cost
    • Additional assistance services such as telephonic medical advice, delivery of essential medicine and arrangements of medical repatriation
    Benefits include:
    • A competitive schedule of tailored benefits and excesses
    • Monitoring of medical conditions during and after hospitalisation
    • Additional assistance services such as telephonic medical advice, delivery of essential medicine and arrangements of medical repatriation
    Why prepare for the unexpected?There are many reasons why it’s important to save for unforeseen future expenses.Need a financial adviser?Get great advice from Old Mutual Financial Advisers.

    We've made the journey of finding the right adviser for you simple and easy. Choose between advisers who can help you over the phone or advisers who meet with you face-to-face. Please select your preference and we'll display the most suitable adviser.

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    Things you should know about planning for the unexpectedSome recommended reading to help you get a grip on future planning.