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A woman's hand gesture of sign language to someone with a hearing impairment. A woman's hand gesture of sign language to someone with a hearing impairment.

Impairment cover

If you become disabled, your life changes drastically. Proper financial support can ease the emotional impact on you and your loved ones. Functional impairment cover helps you maintain your lifestyle and ensures financial security when you cannot work.

  • Provides financial support for lifestyle adjustments like rehabilitation or alterations to your home or car.
  • Pays for ongoing costs like that of a private nurse or a frail care facility.
  • You could save up to 35% on your monthly premium with a personalised LifeReturns® premium discount.
Get an online quote
An image of a woman’s face with a frame around it, showing where to position her face for a selfie to qualify for a personalised discount from Momentum LifeReturns.
YOUR LIFE. YOUR DISCOUNT.

Save money on your life insurance premium

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

Learn more

What is functional impairment?

Provides financial support if you are diagnosed with a permanent illness or injury.
Protects you against the long-term financial impact of permanent illnesses or injuries such as paraplegia, blindness and dementia.
Cover starts at R100 000, and you can increase or decrease your premium whenever you want.
Claims are paid out to the policyholder, and payouts are tax-free.

Want to know more?

Claims and payouts


Momentum will not pay a claim if the insured person is not permanently impaired and if they are not receiving, or are refusing, the medical treatment they could reasonably be expected to undergo according to current best practice medical protocols; and which could substantially improve or remove the condition being claimed for.

The benefit amount will be paid out to the policyholder.

We will pay out as soon as permanence is established.

No. This benefit is tax-free.

Premiums


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.

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

If the person insured chose an increasing cover amount during the application process, the cover amount will increase annually and so will the policy premium.


The person insured can choose how long he/she wants to be covered for up to retirement age 65 or 70 years.
Yes, the cover amount can be changed through an alteration process.

Minimum: R100 000
Maximum: R25 000 000

Want a quote?

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

Get an online quote

Need advice?

Discuss the benefits of having impairment cover with a certified financial adviser.

Learn more

Related products

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Disability
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Life
cover

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Contact Momentum Life Insurance


+27 11 505 1199

[email protected]

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

0860 665 432

[email protected]

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


0860 441 111

[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.

Other Momentum contacts

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