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page.keywordsLife insurance, Life cover, Disability insurance, Disability cover, Income protection, Critical illness cover, Impairment insurance
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Critical illness cover

Get a critical illness cover quote to financially protect you and your family if you are diagnosed with a critical illness and meet the required severity criteria.

Calculate your personalised critical illness premium discount of up to 35% with LifeReturns® to save on your monthly premiums. LifeReturns® is a modern approach to calculating maximum discounts on your monthly critical illness premium using the latest digital technology to quickly and accurately assess your health risk factors that are used to calculate your monthly premium price.

  • Receive a tax-free lump sum payout that you can use to pay for your lifestyle adjustments or to offset shortfalls in your medical aid costs.
  • Your children will be financially cared for from birth until they are 18 at no extra cost.
  • Save up to 35% on your monthly premium with a personalised LifeReturns® premium discount.
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Save money on your critical illness premium

Get critical illness cover that helps you save every month. LifeReturns® uses the latest technology to quickly and accurately assess your health risk factors to calculate your personalised critical illness premium discount.

What is critical illness cover?

Critical illness cover, also known as dread disease cover, helps pay for additional medical expenses and lifestyle adjustments.

Surviving a critical illness isn’t easy, but with the right cover, you can focus on recovery - instead of the medical bills. Critical illness cover offers financial protection against illnesses such as heart attack, cancer, stroke, Alzheimer’s and Parkinson’s. It also covers injuries from accidents such as paraplegia, major burns, and brain damage.

This cover pays out a lump sum amount that you can use to pay for additional medical expenses and lifestyle adjustments.

Do I need critical illness cover if I have medical aid?

Consider how you will pay for extra costs not covered by your medical aid.

Advances in medical care mean that people can now survive illnesses once thought to be fatal. Although many people lead relatively normal lives after suffering a critical illness event, you may require financial assistance to cover any lifestyle changes or extra costs not covered by your medical aid.

Medical aid schemes provide decent cover while you’re in the hospital. The problem starts with your out-of-hospital expenses and chronic medication and typically medical aids don't cover cutting-edge experimental treatments. Heart diseases, stroke, and cancer may leave you with a huge financial burden, even if you're on a relatively good medical aid.

How much critical illness cover do I need?

Generally, you should get the most cover you can afford.

Because the financial impact of a critical illness will vary from person to person, there is no scientific way to determine the benefit amount of a critical illness benefit. You should get the most cover you can afford. By adding Longevity Protector™ - critical illness benefit to your critical illness cover you can ensure that your cover will never run out, no matter how long you live with a critical illness.

Critical illness 2022 claims stats

We remain dedicated to protecting our clients’ journeys to success, no matter their challenges. During 2022 we paid R760 million in critical illness claims. The most significant critical illness claim payout was R14.2 million.

Cancer remained the most significant contributor to our critical illness claims in 2022 in both women and men.

What am I covered for?

We offer you complete protection spanning the whole body.

Apart from the big four namely cancer, heart attack, stroke, and coronary artery bypass graft, the critical illness benefits cover numerous other life-changing conditions.

Conditions covered

What conditions are covered?
  1. Cancer.
  2. Cardiac and arterial system e.g. Heart attack.
  3. Connective tissue disease e.g. Rheumatoid Arthritis.
  4. Ear, nose and throat system e.g. Loss of speech.
  5. Endocrine and metabolic diseases e.g. Diagnosis of type 1 diabetes.
  6. Digestive system e.g. Chron's disease or ulcerative colitis with recurrent surgery.
  7. HIV and Aids.
  8. Major burns.
  9. Muscles, bones and joints e.g. Hip joint replacement.
  10. Brain and nerves e.g. Motor neuron disease.
  11. Lungs and breathing e.g. Respiratory failure.
  12. Severe aplastic anemia.
  13. Terminal illness e.g. Chronic lung problems.
  14. Trauma e.g. Coma.
  15. Kidney and urinary tract e.g. Kidney failure.
  16. Visual system e.g. Total and permanent loss of sight in one or both eyes.

Key benefits

Critical illness cover for children

Automatically covers your children from birth until they are 18 years old. This benefit amount equals 10% of the parents’ benefit amount and is limited to R250 000 per insured parent.
Catch-all benefit

Covers you for conditions that may not be covered under a particular category, but would qualify as a result of the severity of the impairment it causes.

Want to know more?

Claims and payouts

When doesn't it pay out?

When the person insured or their biological or legally adopted child does not meet the requirements of one of the defined critical illness claim events.
Who gets paid?

The benefit amount will be paid out to the policyholder.
How long does it take to pay out a claim?

We will pay as soon as the relevant medical proof that the event falls under one of the defined critical illness claim events, has been received.
Is my claim payment taxable?

No. This benefit is tax-free.


How do you work out my premium?

The premium depends on the person insured's age, gender, smoker status, and health as well as the premium pattern chosen at the outset of the policy.
What if I skip a payment?

If you skip a payment, the policy won’t lapse as long as we receive a payment within the 30 days grace period.

Cover term and amount

Will the cover amount change over time?

If the person insured chose an increasing cover amount during the application process, the cover amount will increase annually and so will the policy
How long am I covered for?

The person insured can choose how long he/she wants to be covered for - either for life, for a specific term or to age 65.
Can I increase or decrease my cover amount?

Yes, the cover amount can be changed through an alteration process.

Additional benefits

You can add these additional benefits to your critical illness cover. Discuss the advantages of taking out any additional benefits with a certified financial adviser.

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Specified Claim Event Enhancer

When this supporting benefit is added to the complete critical illness benefit, it enhances the tiered payouts of the 25%, 50% and 75% severities for the four most common critical illnesses, namely cancer, stroke, heart attack and coronary artery bypass grafts, up to 100%.

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Breadth of Cover Guarantee™

A benefit unique to Momentum ensures that you will receive a pay-out for all defined critical illness events covered by us and any other life insurance company.

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Longevity Protector™ critical illness benefit

Your cover will never run out, no matter how long you live. If you have a qualifying claim, in addition to the normal lump sum payment under your critical illness benefit, this benefit pays 10% of the critical illness benefit amount every five years for moderate to severe claim events. If you never claim, it will pay you 20% of the critical illness benefit at age 80, through the unique Longevity Enhancer.

Want a quote?

You’ll get a quote reflecting your premium amount at the end of the process.

Need advice?

Discuss the benefits of having life insurance with a certified financial adviser.

Contact Momentum
life insurance


Business hours are Monday to Friday from 08:00 to 17:00. We're closed on weekends and public holidays.

Client service and policy alterations

Business hours are Monday to Friday from 08:00 to 17:00. We're closed on weekends and public holidays.


[email protected]
[email protected]
[email protected]

Please use the applicable email address above for your relevant claim type. If you send your claim documents to the incorrect email, your claim handling could be delayed.

International number:

+27 11 505 1552

Our business hours are Monday to Friday from 08:00 to 17:00. We’re closed on weekends and public holidays.

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