Disability Cover – financial security if you can’t work
We know that even with careful planning and saving, we all count on our monthly salary. By selecting Disability Cover, you are protected in potentially challenging times when you’re unable to do your job.
Why choose Disability Cover from OUTsurance?
Our disability cover stands independently from our death cover, meaning a disability claim will not affect the sum insured under your death cover.
The premium you pay is based on you and your 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
We make sure life cover doesn’t have to be difficult. By speaking to one of our expert advisors, you’ll be covered in no time.
We will guarantee your premium for the first five years, no matter what happens, helping you manage your finances easily.
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
Choose to keep your premium and your cover fixed. Or, if you wish, you can increase your cover and premium on an annual basis.
Add these to your disability insurance for complete peace of mind
Own occupation cover
This is designed to provide you with comprehensive cover if you are no longer able to perform your own occupation due to illness or injury that results in total and permanent disability.
Suitable occupation cover
This option provides you with cover where an illness or disability have resulted in your permanent inability to perform your own occupation or any other occupation, taking your training, education, ability and experience into account.
To reduce your premium, you may want to choose this option, which means any claim for disability or critical illness will pay out from your Death Cover total sum insured.