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Impairment Cover

If you were to become permanently impaired due to illness or injury, you would need to pay for adjustments to your lifestyle. Impairment Cover helps pay for immediate and long term lifestyle adjustments.

  • Provides for lifestyle adjustments, such as modifying your house or car.
  • Pays for ongoing costs like that of a private nurse or a frail care facility.

What is Impairment Cover?

Covers you against the financial impact of permanent illness or injury.

If you’re unable to take care of yourself because of a permanent illness or injury such as a mental disorder, paralysis of legs, or blindness, who will take care of you? Will your spouse have the time? Will you be able to afford a private nurse? If not, then you should consider taking out Impairment Cover.

How much Impairment Cover do I need?

Generally, you should make your decision based on affordability.

A full-time, private nurse or frail care facility could easily cost more than R20 000 per month.

If you become impaired at age 55 and retire at age 60, you would need to cover the cost for a full-time, private nurse for the next 5 years. This could cost you up to R1.2 million.

What am I covered for?

Impairment Cover pays out if a condition is permanent.

Impairment Cover protects you against the long-term financial impact of permanent illnesses or injuries such as paraplegia, blindness and dementia. The claim approval criteria is stricter than those of critical illness benefits, which generally pay out on diagnosis of an illness, whether the condition is permanent or not. Impairment benefits require the illness to cause a permanent impairment.

Want to know more?

Claims and payouts

When doesn't it pay out?

If the person insured is able to perform at least 25% of the main duties of his/her own occupation for longer than the waiting period or does not meet the requirements of one of the defined 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 out as soon as permanence is established.
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 premium.
How long am I covered for?

The person insured can choose how long he/she wants to be covered for up to retirement age 55, 60, 65 or 70 years.
Can I increase or decrease my cover amount?

Yes, the cover amount can be changed through an alteration process.
What is the minimum and maximum cover amount I can get?

Monthly benefit amount:
Minimum: R2 000
Maximum: R110 000
Professionals: R150 000
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Momentum Multiply rewards and discounts

Your benefits don’t just add up - they Multiply

As a Momentum Multiply member, you'll get cashbacks and save up to 60% on your Life Insurance monthly premiums.

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

Client service and policy alterations

Business hours are Monday to Friday from 08:00 to 17:00. Closed on weekends and public holidays.


Business hours are Monday to Friday from 08:00 to 17:00. Closed on weekends and public holidays.

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