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A young female wearing black is sitting in a wheelchair reaching up to grap her coat from the rack as she is about to leave the building.

Critical Illness Benefits

This benefit helps an employee with potentially overwhelming expenses and lifestyle adjustments caused by a critical illness or condition.

  • 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?

Critical illness can strike anyone, at any time. The financial health of a family can be severely impacted when a breadwinner is out of action and needs extra care. It is important to take out dread disease cover for your employees in today’s world where healthcare costs increase rapidly along with medical advancements.

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 major critical illnesses like heart attacks, cancer, and strokes that occur most commonly.



Comprehensive

This covers all the conditions under Essential, plus additional conditions that are also severe, but less common, like Parkinson’s disease, lupus, and multiple sclerosis.

Advanced Protection

This benefit pays if an employee is severely impaired, even if the accident, disease, or illness is not listed under any of the conditions set out in the policy.

Additional options and benefits

The following benefits, which are designed for flexibility and peace of mind, allow you to enhance the cover for your employees.

A group of people looking at a phone and smiling while walking together.

FAMILY COVER

Three options for your employees

  • Cover their spouse for the same critical illness conditions at the same benefit level.
  • Young adults over the age of 18 can be covered up to age 21, or 26 if studying, for the same conditions as the main member and for the same Rand amount.
  • Children are covered for 15% of the employee’s benefit level as well as additional childhood-specific conditions like childhood leukaemia.

A family sit under a big tree in the park while the youngest male draws on one of the male's cast on his arm.

ACCIDENT EXTENDER OPTION

Extra cover for unforeseen accidents

You can add more cover for specific accidents that pay a fixed Rand amount. This option is for employees only and covers blood transfusions, major bone fractures, and accident reconstructive surgery.

A young mum hugs her daughter excitedly in the kitchen of their home.

BOOSTED OPTION

Maximise cover for the most common conditions

For strokes, cancer, heart attacks and coronary artery bypass graft surgeries, you have the option to boost these benefits by increasing the payment level to 100% of the benefit for all severity levels.

A mum teaches her son to ride a bike on the pavement outside the coastal big city on a slightly overcast day.

MEMBER CHOICE

Cost-effective option with flexible cover

Unlike the traditional, salary-based structure, this benefit pays an amount of R50 000 for all employees. Employees can increase or decrease their cover in R50 000 increments up to a maximum of
R200 000. No underwriting is required for this cost-effective option and employees can increase or decrease their cover at any time.

Want to know more?

What are the conditions covered and the severity level of each critical illness?


You can choose any of our four benefit options and enhancements to meet the specific needs of your business and employees.

To see what conditions are covered and how the severity levels work, you can download this pdf.

Can an employee claim for more than one critical illness?


Yes, an employee who receives a Critical Illness Benefit can also claim for another critical illness if it is unrelated to the previous claim. Employees who received a partial benefit can also claim the rest of the total benefit if their condition gets worse later.

How is the benefit paid out?


The Critical Illness Benefit is paid as a lump sum, usually a multiple of annual salary or Rand amount.

Other Illness Benefits

Care Cash Support Benefit

Pays out a Rand amount for each day the member stays in hospital, regardless of the actual medical costs.


Want a brochure?

Download the Group
Insurance brochure.

Need advice?

Get one of our financial
advisers to call you back.

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