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  • The single plan covers the employee only.
  • The family plan covers the employee, one spouse and up to four dependent children under 22, or under 25 if a registered full-time student.
  • The maximum entry age for the employee and spouse is 64. 

In the event of the accidental death of a life insured, the following benefit amounts will be payable:

  • R12 500 for the employee or spouse.
  • R5 000 per child.
  • Not more than R37 500 per family involved in the same accident.
  • If the accident happens while travelling by public transport, for example taxi, bus or train, then double these benefit amounts will be payable.
  • This benefit does not provide cover for persons younger than six months, or older than 70 years.

If a life insured becomes permanently disabled as a direct result of an accident, a percentage of the benefit amount will be payable. Here are a few examples:

  • loss of a hand: 100%
  • loss of four fingers of a hand: 40%
  • loss of sight of an eye: 100%
  • loss of a foot: 100%
  • loss of hearing in both ears: 75%
  • loss of hearing in one ear: 15%

If the employee passes away, we will, in the case of the family plan, pay the premium for 24 months from the date of death of the employee. In the event of the forced retrenchment of the employee, we will pay the premium for six months from the date of retrenchment.

  • 24-hour call centre providing information, assistance and counselling on HIV/Aids.
  • Telephonic trauma counselling for rape incidents.
  • Two consultations for rape or trauma by an appropriate provider recommended by the call centre.
  • Two blood tests for rape or potential exposure cases. One immediately on potential infection and a second three months later to check sero-conversion.
  • Anti-retroviral or prophylactic therapy to prevent sero-conversion for a period longer than 28 days.
  • If required, registration only, into a management programme as recommended by the call centre.

The following waiting periods apply for the Family Funeral Plan and the Premium Waiver benefit:

  • For death benefits, other than accidental death, a waiting period of three months from the start date of the policy applies.
  • No benefits are payable if the claim results directly or indirectly from suicide or attempted suicide, during the first 24 months from the start date of the cover, notwithstanding that such suicide or attempted suicide is the result of the insanity (temporary or permanent), mental illness, the influence of drugs or intoxication of the life insured. 
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