Optional add-ons
Permanent Disability
Protect yourself and your family against the financial impact of disability.
Critical Illness
Protect you and your family with a lump sum payout when you are critically ill.
X
Life cover
Secure your family's future with life insurance that protects and rewards.
- R30 000 funeral benefit at no extra cost, paid out within 24 hours of your passing.
- Spend Protect benefit helps your loved ones adjust with a lump sum payout of up to three times your monthly RMB Private Bank card swipes and average RMB Private Bank loan repayments within 24 hours.
X
Retrenchment cover
- Cover for up to 6 months or until you find new employment, whichever comes first.
- Up to R30 000 cover per month.
- Cover if your employer does not pay you any income for a full calendar month, without terminating your employment.
- Pay no premiums if you have successfully claimed against any of our benefits.
X
Contact us
- Call us on 087 736 7774
- Select option 2
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Income protection
This benefit pays out a monthly income (partial or full) should you become disabled or severely impaired.
Guaranteed insurability
Increase your cover up to 20%, limited to actual percentage increase in salary per year.
Increase your cover up to 20%, limited to actual percentage increase in salary per year.
Premium waiver
Pay no premiums after a claim payout for the duration of your claim.
Pay no premiums after a claim payout for the duration of your claim.
In claim escalation
While claiming, we will increase your monthly payout by CPI each year to protect you against inflation.
While claiming, we will increase your monthly payout by CPI each year to protect you against inflation.
Specific injuries
Guaranteed payout for specific injuries such as fractures.
Guaranteed payout for specific injuries such as fractures.
Terminal illness
Double payment for up to 6 months.
Double payment for up to 6 months.
X
Permanent disability
- Standalone/accelerated
- Pay-out between 25-100% of your cover
- Pay no premiums for 6 months after a claim payout
- No waiting periods
X
Critical illness
Offers a lump sum payout should you be diagnosed with a critical illness.
Helps you cover unforeseen expenses which can arise with certain serious illnesses such as paying for medical specialists or high treatment costs,
24/7 care or any other lifestyle adjustments you may need.
Protects you against an extensive range of conditions such as cancer, heart attack, coronary bypass, surgery stroke, dementia, kidney failure, multiple sclerosis etc.
Benefits
- Pays out between 10 - 100% of your cover amount as a lump sum based on severity of your illness.
- Boosts your payout to 100% for a qualifying heart attack, cancer and stroke conditions with the Comprehensive and Elite Critical Illness benefits.
- Unlimited cover for unrelated critical illness claims with standalone cover
- Claim up to 300% of your cover amount for a series of related claims with the standalone Elite Critical Illness benefit.
- Pay no premium for 6 months after a valid critical illness claim.
Additional benefits
- The Automatic Child Critical Illness benefit pays a lump sum amount if your child is diagnosed with a critical illness.
- The Future Family benefit pays an additional 10% of your cover amount for a valid cancer claim, to use towards fertility preservation treatment.