Critical illness benefits
A critical illness can lead to significant expenses, lifestyle changes, and potential loss of income. We provide financial support to help your employees manage these costs and focus on their recovery.
- Four basic benefit structures to choose from.
- Pays a lump sum amount.
- Additional options and benefits to enhance basic cover.
What is the critical illness benefit?
We provide a lump sum payout to help employees manage the financial impact of a critical illness, covering extra expenses and necessary lifestyle adjustments.
This is a benefit that pays a lump sum amount when an employee is diagnosed with or suffers one of the conditions listed in your policy, such as cancer or heart disease.
Our cover options
We offer four options to choose from depending on your employees’ needs.
Cancer Protection
This benefit covers employees for cancer only, the leading cause of critical illness claims.
Essential
Covers the most common major critical illnesses, such as heart attacks, cancer and strokes.
Comprehensive
Covers all the conditions under essential, plus additional conditions that are also severe, but less common, such as Parkinson’s disease, lupus and multiple sclerosis.
Advanced Protection
For extra peace of mind, the advanced protection benefit covers all accidents and conditions, even if they are not listed in the policy, that have a permanent and devastating impact on the member’s ability to perform their normal day-to-day activities.
Additional options and benefits
We have designed these optional additional benefits to provide flexibility and peace of mind to your employees.
Family cover
Three options for your employees:
- Cover their spouse for the same critical illness conditions at the same benefit level.
- Cover for young adults over the age of 18 up to age 21, or 26 if studying, for the same conditions as the main member and for the same rand amount.
- We cover children for 15% of the employee’s benefit level as well as for additional childhood-specific conditions like childhood leukaemia.
Want to know more?
More about critical illness benefits
For more information, download the documents below:
