Life insurance

  • 100% OUTbonus
  • Death, disability and critical illness covers
  • Free funeral benefit
  • Terminal illness benefit
  • No waiting periods

Critical illness table

Our critical illness life insurance package will provide cover if you’re diagnosed with one of 27 critical illnesses whereas comprehensive life insurance cover provides you with cover for a total of 40 illnesses (as indicated in the table below)

For both the core and the comprehensive cover options, you’ll be paid a percentage of the insured amount, depending on the severity of the illness. Please download the life insurance facility document for more information on each of these illnesses and to see which percentages apply.


Core cover

Comprehensive cover

Heart attack    
Coronary artery bypass  
Kidney failure  
Major organ transplant  
Loss of speech  
Loss of limbs  
Major burns  
Heart valve surgery
Aortic surgery
Accidental HIV
Benign brain tumour resulting in impairment
Accidental brain damage
Loss of hearing
Multiple sclerosis
Alzheimer’s disease
Parkinson’s disease
Chronic respiratory failure
Chronic liver failure
Full blown AIDS
Aplastic anaemia
Muscular dystrophy
Celebral aneurysm
Infective meningitis
Carotid artery surgery
Coronary artery angioplasty
Hydrocephalus requiring a shunt
Motor neurone disease