Permanent Disability Cover

Permanent Disability cover as a result of an accident.

Building on top of the Accident Hospitalisation benefit to include additional cover for permanent disability as a result of the accident.

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Benefit Includes

No hospital network
3 Levels of Cover to choose from
Pays out stated amounts less medical costs incurred
Immediate cover
6 month waiting period for spouse

Choose from 3 Levels of Cover

Level 1

Up to R200,000 per disability reason for the main member

Level 2

Up to R250,000 per disability reason for the main member

Level 3

Up to R250,000 per disability reason for the main member and spouse


Which disability reasons are covered?

Permanent Disability, for this benefit, means the permanent and total loss of or use of:

  • Speech
  • Hearing in both ears
  • Sight in one or both eyes
  • Loss of one or both eyes
  • Any limb by physical separation at or above the wrist or ankle

The disability must have been incurred as a result of an accident event.

How many times can I claim?

The benefit is available once for any of the reasons above for any one accident, it is not an annual or renewable amount. However, separate accident events resulting in a new disability will enjoy the full stated benefit.
You must submit your claim within 24 months of the accident.

Is authorisation required?

Yes, authorisation is required to access this benefit. We still need to be informed of the accident within 48 hours of it occurring. Simply contact the Essential Med call center on 0861 911 011.


An additional R159 for single members

and R189 per month for families.

Episodic Health (Pty) Ltd, is a Financial Services Provider (FSP 49319). Health product is provided and administered by Essential Med (Pty) Ltd (FSP 42980), the Underwriting Management Agent on behalf of the insurer African Unity Life (FSP 8447). Episodic Health and Essential Med are a health insurance provider, not a medical aid scheme.