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

Preparing for the unexpected

We can't predict when something unexpected is going to happen but we can prepare as far as possible. Take a look at the various products below that can help you do just that. Whether it's making sure you are covered in case you become disabled or suffer from a severe illness to ensuring you and your family are covered when you go travelling.


A woman sits at a desk in her office with a file and documents in front of her.
Lump sum

This cover pays a single amount. Please view some of our great solutions below.

Benefits
Old Mutual Protect Disability Cover
Pays if you can’t work or take care of yourself because an illness or injury has permanently disabled or impaired you.
Old Mutual Protect Physical Impairment Cover
Pays if an illness or injury permanently physically impairs you, such as hearing loss or the loss of a limb.
Old Mutual Protect Functional Impairment Benefit
Pays if you can’t take care of yourself because an illness or injury has permanently impaired you.
Old Mutual Protect Accidental Disability and/or Death Benefit
Pays if you, because of an accident, become permanently disabled and can’t work or physically impaired, or you die.

Minimum cover

R100 000

R100 000

R100 000

R100 000

Maximum cover*

R30 million

R4 million

R30 million

R2 million

Do I need to be employed to get this cover?

Can I decide how and if I want my premium and cover to increase

Old Mutual Protect Disability Cover
Pays if you can’t work or take care of yourself because an illness or injury has permanently disabled or impaired you.

Benefits

Old Mutual Protect Physical Impairment Cover
Pays if an illness or injury permanently physically impairs you, such as hearing loss or the loss of a limb.

Benefits

Old Mutual Protect Functional Impairment Benefit
Pays if you can’t take care of yourself because an illness or injury has permanently impaired you.

Benefits

Old Mutual Protect Accidental Disability and/or Death Benefit
Pays if you, because of an accident, become permanently disabled and can’t work or physically impaired, or you die.

Benefits

Minimum cover

R100 000

Maximum cover*

R30 million

Do I need to be employed to get this cover?

Can I decide how and I want my premium and cover to increase?

Minimum cover

R100 000

Maximum cover*

R4 million

Do I need to be employed to get this cover?

Can I decide how and I want my premium and cover to increase?

Minimum cover

R100 000

Maximum cover*

R30 million

Do I need to be employed to get this cover?

Can I decide how and I want my premium and cover to increase?

Minimum cover

R100 000

Maximum cover*

R2 million

Do I need to be employed to get this cover?

Can I decide how and I want my premium and cover to increase?

*Risk profile dependent
Income protection

This cover pays a monthly amount. Your income is essential to many things. When you lose it due to disability or physical impairment, you lose the ability to cover those daily costs of living. View some of our great solutions below.

Benefits
Old Mutual Protect Disability Income Cover
Pays if you can’t work or take care of yourself because you are temporarily, partially or permanently disabled or impaired.
Old Mutual Protect Functional Impairment Income Benefit
Pays a monthly income for as long as you’re functionally impaired, whether temporarily or permanently.

Minimum cover

R6 000/month

R3 000/month

Maximum cover

R250 000/month

R250 000 (term cover)

Do I need to be employed to get this cover?

Can I decide how and I want my premium and cover to increase?

Does it pay for certain fractures?

Old Mutual Protect Disability Income Cover
Pays if you can’t work or take care of yourself because you are temporarily, partially or permanently disabled or impaired.

Benefits

Old Mutual Protect Functional Impairment Income Benefit
Pays a monthly income for as long as you’re functionally impaired, whether temporarily or permanently.

Benefits

Minimum cover

R6 000/month

Maximum cover

R250 000/month

Do I need to be employed to get this cover?

Can I decide how and I want my premium and cover to increase?

Does it pay for certain fractures?

Minimum cover

R3 000/month

Maximum cover

R250 000 (term cover)

Do I need to be employed to get this cover?

Can I decide how and I want my premium and cover to increase?

Does it pay for certain fractures?

Old Mutual Illness Insurance in a nutshell

Old Mutual Protect Severe Illness Cover pays out a single amount of between R100 000 and R6 million. Take a look at how you can enhance your cover with the options below.

Old Mutual Protect Severe Illness Cover

Pays out a percentage of your cover as a single amount if you suffer a severe illness like cancer, a heart attack, stroke and other listed illnesses.

Cover amount

R100 000 – R6 million

Top-up Benefit

Pays the full cover amount for specific illnesses. Includes a Lifestyle Enhancer which pays double the cover amount if your quality of life is severely impacted by an accidental brain injury, coma, heart attack, paralysis or a stroke and you can no longer care for yourself

Child Illness Benefit

Pays up to 10% of the cover amount up to R500 000 for child severe illnesses such as cancer or severe burns

Mild Illness Benefit

Pays 30% of the cover amount for mild illnesses such as Type 1 diabetes and bacterial meningitis

Returning Illness Benefit

Pays up to 50% of the cover amount for returning severe illnesses such as cancer, a heart attack or stroke after the full cover amount has already been paid

For Women Benefit

Pays up to 50% of the cover amount for fertility-related conditions and complications during pregnancy such as endometriosis, eclampsia or stillbirth

No medical tests for cover up to R1 million

You have the option to get cover of up to R1 million without going for medical tests. But remember, the more information we have about your health and lifestyle, the more you could save on premiums and get access to more cover

Old Mutual Protect Severe Illness Cover
Pays out A percentage of your cover as a single amount if you suffer a severe illness like cancer,  a heart attack, stroke and other listed illnesses.
Benefits
Cover amount

R100 000 – R6 million

Top-up Benefit

Pays the full cover amount for specific illnesses. Includes a Lifestyle Enhancer which pays double the cover amount if your quality of life is severely impacted by an accidental brain injury, coma, heart attack, paralysis or a stroke and you can no longer care for yourself

Child Illness Benefit

Pays up to 10% of the cover amount up to R500 000 for child severe illnesses such as cancer or severe burns

Mild Illness Benefit

Pays 30% of the cover amount for mild illnesses such as Type 1 diabetes and bacterial meningitis

Returning Illness Benefit

Pays up to 50% of the cover amount for returning severe illnesses such as cancer, a heart attack or stroke after the full cover amount has already been paid

For Women Benefit

Pays up to 50% of the cover amount for fertility-related conditions and complications during pregnancy such as endometriosis, eclampsia or stillbirth

No medical tests for cover up to R1 million

You have the option to get cover of up to R1 million without going for medical tests. But remember, the more information we have about your health and lifestyle, the more you could save on premiums and get access to more cover

Travel insurance

Anything 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
    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 do you need to prepare of the unexpected? There are many reasons why it’s important to save for unforeseen future expenses.
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    Get great advice from Old Mutual Financial Advisers.

    A financial adviser meets with a couple to chat about the products that will meet their needs.
    Things you should know about protecting your income

    Some recommended reading to help you get a grip on planning for when the unexpected happens.