We spend a few extra minutes on the phone with you to make sure that we give you the best life insurance premium possible – one that is determined around your very own unique risk profile and your specific needs. If you have a low-risk profile, this is very good news indeed as you may just end up paying significantly less for our disability insurance package than you would anywhere else in South Africa.
Have a look at our nifty online life insurance calculator to see how much disability cover you need to maintain your standard of living if you were to become disabled.
At OUTsurance, you’ve got complete control as to which products you want to include in your life insurance portfolio. You can combine any or all of our products to create an end product that will best suit your specific circumstances.
The biggest choice applies to disability and critical illness where you can choose whether to insure them as free standing or accelerated structures. Free standing implies that the two products stand independently from each other (i.e. a claim on one won’t influence the total insured amount on the other). Accelerated structure implies that a claim on either death, disability or critical illness will reduce or cancel the amount that’s specified for death cover.
We’d love to help you choose the best possible combination of covers to suit your specific needs perfectly – give us a call now on 08 600 60 000.
We can provide disability cover to anyone between the ages of 18 and 60.
Best of all - you’re in complete control of how you’d like to set up the payment structure. You can choose to keep your premium and total insured amount the same for the entire duration of your cover, or you can choose to increase your premium and the insured amount every year, or how about keeping the insured amount fixed, but increasing your premium as time goes by?
You can also tell us which time period you need cover for – do you need disability cover for a period of five years, 25 years or maybe even longer? Give us a call today on 08 600 60 000 - we’ll be happy to assist you.
The Sum OUTsured will be paid out to you when you become disabled during the insured period. Own occupation cover makes reference to any illness or injury that caused a permanent disability and where you’re no longer able to perform your own occupation. Of course, you need to be medically certified (to the satisfaction of our chief medical officer) with a total and permanent disability that is incurable or untreatable.
Alternatively, you can choose the own or suitable occupation option where you’ll receive cover in cases where an illness or disability resulted in you being unable to perform your own occupation or any other suitable occupation taking your training, education, ability and experience into account. Again, we would require that you’re medically certified with a total and permanent disability that is incurable or untreatable.