Impairment benefits

Impairment cover protects the policyholder in the event that the life insured suffers a permanent impairment as a result of sickness or injury.

This cover is not related to the insured's ability to continue working (see our disability products for occupational disability cover), but is equally important as it provides cover against unexpected expenses, when it is needed most.

We offer 2 impairment benefits: Core and Comprehensive. Our Core Impairment benefit covers 11 permanent impairment conditions, while our Comprehensive Impairment benefit covers 32 conditions.

Both these benefits offer:

• 2 guarantee periods: fixed (15 years) and experience rated (annually reviewable)
• Standalone policies (only)
• A 3-month survival period
• Term up to age 65 or for life
• A minimum entry age of18
• A maximum entry age of 65
• Maximum cover of R10 million

Benefits in this range: