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

Want to protect your income?

Sudden disability or illness often lead to loss of income.

Being unable to earn a regular income due to a sudden disability 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 sumThis cover pays a single amount. Please view some of our great solutions below, feel free to talk to an adviser or contact our call centre for more information.

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

Does it pay a lump sum?

Do I need to be employed to get this cover.

Can I decide how and 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

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

Benefits

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

Does it pay a lump sum?

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

Does it pay a lump sum?

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

Does it pay a lump sum?

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

Does it pay a lump sum?

Do I need to be employed to get this cover.

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

Income protectionThis cover pays a monthly amount. 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

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.
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

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

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 nutshellOld 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

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 every five years on the cashback anniversary

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

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 every five years on the cashback anniversary

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
    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 income protection plans? 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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    GREENLIGHT Disability and Severe Illness Cover

    We've moved the primary focus onto our new flagship personal cover from Old Mutual, a product set that is built around your life and whatever your future brings. However, if you would like to view our GREENLIGHT products, please select the read more button below.

    Things you should know about protecting your income Some recommended reading to help you get a grip on planning for when the unexpected happens.