Get comprehensive or accidental death cover.

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Comprehensive death cover 

Life may be unpredictable, but choosing to safeguard the financial future and the dreams of your family doesn’t have to be. Our death cover is designed to provide long-term support to those who depend on you financially and will pay out the insured amount if you should die during the period of cover.. With our guidance, you can select the protection you and your family need, with premiums based on your unique risk profile.

We welcome everyone between the ages of 18-64, with cover amounts from  R200 000.

 

Overview

Accidental death cover 

Our accidental death cover option will pay out the insured amount if you should die as a direct result of an accident. The accident and death must occur during the period of cover and must be the result of bodily injury caused by external and accidental means.

Accidental death cover

No medicals for life policies up to R5 million

If you qualify for life insurance up to R5 million, you won't need to go or any insurance medicals or blood tests. That means you can get a same-day decision on your cover.  

No medicals
Why choose death cover from OUTsurance?
Terminal illness benefit
Terminal illness benefit

If your terminal illness leaves you with less than a year to live, we will pay out 50% of your total death cover amount (up to a maximum of R1 million).

True value
True value

The premium you pay is based on your unique risk factors. So, if you’re a low-risk client, you’ll pay much less than someone who is a higher risk.

Get covered now
Get covered now

We make sure getting life cover doesn’t have to be difficult. By speaking to one of our expert advisors, you’ll be covered in no time.

Five-year guarantee
Five-year guarantee

Your premium is guaranteed for a period of five years, helping you manage your finances.

Free medical tests
Free medical tests

If your cover requires a blood test, we’ll pay for it. And if you’re unable to get to a lab, we’ll send a medical nurse to your home.

Keeping it flexible
Keeping it flexible

Choose to keep your premium and your cover fixed. Or, if you wish, you can increase your cover and premium on an annual basis.

Funeral benefit included

Your cover includes an 'own funeral’ and ‘final expense’ benefit that accelerates a portion of your comprehensive death cover. This amount gets paid out to a person that you nominate, to allow for any immediate expenses such as the cost of the funeral after your death.

Add Spouse or Child cover to your funeral benefit

You can add a Spouse or Child Funeral benefit to your comprehensive death cover, so your immediate family will enjoy cover.

Why choose death cover from OUTsurance?
Terminal illness benefit
Terminal illness benefit

If your terminal illness leaves you with less than a year to live, we will pay out 50% of your total death cover amount (up to a maximum of R1 million).

True value
True value

The premium you pay is based on your unique risk factors. So, if you’re a low-risk client, you’ll pay much less than someone who is a higher risk.

Get covered now
Get covered now

We make sure getting life cover doesn’t have to be difficult. By speaking to one of our expert advisors, you’ll be covered in no time.

Five-year guarantee
Five-year guarantee

Your premium is guaranteed for a period of five years, helping you manage your finances.

Free medical tests
Free medical tests

If your cover requires a blood test, we’ll pay for it. And if you’re unable to get to a lab, we’ll send a medical nurse to your home.

Keeping it flexible
Keeping it flexible

Choose to keep your premium and your cover fixed. Or, if you wish, you can increase your cover and premium on an annual basis.

Funeral benefit included

Your cover includes an 'own funeral’ and ‘final expense’ benefit that accelerates a portion of your comprehensive death cover. This amount gets paid out to a person that you nominate, to allow for any immediate expenses such as the cost of the funeral after your death.

Add Spouse or Child cover to your funeral benefit

You can add a Spouse or Child Funeral benefit to your comprehensive death cover, so your immediate family will enjoy cover.

Need to submit a claim?

Submitting a claim is easy via the website, my.outsurance portal, our app or by phoning our call centre. Find out everything you need to know in our How to claim section.

Find out more Submit a claim

Frequently asked questions about comprehensive or accidental death cover

What is the terminal illness benefit?

If we determine that you are terminally ill and have a life expectancy of less than 12 months, we will pay 50% of your sum insured up to a maximum of R1 million. Your sum insured will be reduced by the amount paid. Please refer to your life insurance policy wording for more details on the OUTsurance Life terminal illness benefit. 

What is the difference between life cover and accidental death cover?

Life cover can be used as an 'umbrella term' to refer to cover that pays out a specified amount if someone passes away (death cover) and/or if this person is diagnosed with a critical illness (critical Illness cover).

In terms of 'death cover', you can select comprehensive death cover where the sum insured will be paid out if you pass away during the period of cover or - you can select 'accidental death cover' where the sum insured is only paid out if you die as a direct result of an accident. 

What are the exclusions for accidental death insurance?

Accidental death insurance will pay out a lump sum if the insured person's death is a direct result of an accident. The accident and death needs to occur during the period of cover and the accident must be the result of a bodily injury caused by external and accidental means. 

There is no cover for any condition or event arising directly or indirectly from any of the following:

  • if the insured person commits suicide,
  • for any self-inflicted injury or illness, driving while the concentration of alcohol in your blood exceeds the legal limit,
  • the intentional intake of drugs or medication (unless prescribed by a registered medical practitioner,
  • if you refuse any treatment (including surgery) recommended by a registered medical practitioner, 
  • if you (or any person acting on your instruction) are involved in any criminal activity, 
  • active participation in war, civil commotion, or any act of terrorism, 
  • nuclear reaction or nuclear radiation.

Please refer to your policy schedule for a detailed breakdown of what is covered and not covered. 

Insurance contacts 08 600 60 000
Mon-Fri:
08:00 - 17:00
Sat:
08:30 - 13:00