Accident Permanent Disability Life Cover
Get up to R250,000 life cover for accidents that result in specified permanent disabilities. The benefit pays out cash less any medical expenses incurred.
The benefit is available once per policy and can be claimed for up to 24 months after an accident event.
The benefit is optional. If you don't want to include it on your Hospital Plan then you don't need to.
Choose Your Level of Cover
Flexible levels of cover mean you get to build your plan to suit your needs and budget.
Up to R200,000 available per disability reason for the Main Member of the policy
Up to R250,000 available per disability reason for the Main Member of the policy
Up to R250,000 available per disability reason for the Main Member of the policy and their spouse
How Does It Work?
What is covered?
The Accident Permanent Disability benefit offers up to R250,000 cover for specific permanent disabilities incurred as a result of an accident. It pays out cash less medical expenses incurred.
The benefit is available once per policy lifetime. This means that the total amount available on your chosen benefit level can be used once and, when used up, does not reinstate.
Claims are usually paid from the Accident Hospitalisation benefit first, which makes sense as the events must be accident related. If the accident results in a permanent disability then the costs already covered are transferred to the Disability benefit. This is what is meant by "less medical expenses incurred".
You have up to 24 months after an accident event to claim.
What disabilities are covered?
The benefit includes cover for the permanent and total loss of :
- hearing in both ears
- sight in one or both eyes
- an arm at or above the wrist
- a leg at or above the ankle
as a result of an accident.
What is the waiting period?
There is no waiting period for the Main Member of a policy. Your cover will be available immediately when your policy is active.
On Level 3, cover is extended to the Adult Dependant (spouse) of a policy. The spouse will have a 6 month waiting period applied.
What is an Accident Event?
To quote the policy wording:
- "A sudden, unforeseen, unusual and unexpected specific event" - an accident
- "which is unintended" - you didn't mean it to happen and it was not self-inflicted
- "arises from a source external to the insured" - it was something else that affected you, like a car or a spider
- "which is independent of illness, disease or other bodily malfunction" - illnesses are not accidents
- "occurs at an identifiable time and place" - you can pinpoint what it was and when it happened
The definition above helps because it is not only car accidents that apply but also falling, getting bitten by a dog, malaria or other accidental events. But getting cancer is not an accident, even though it was not intended.
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Check out these other benefits
There are more benefits to learn about in the Hospital Plan