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Accidental Disability Cover

Get financial peace of mind if you cannot complete your studies and start working because of an accident.

Accidents can happen to anyone, even if you’re young and healthy. If you become permanently disabled because of an accident, you may be unable to finish your studies and to follow your dream career. Knowing that you will be able to take care of your expenses will minimise the financial pressure on you and your family.

Benefits

  • Accidental disability cover will help you and your parents or loved ones take care of your medical and living expenses if you:
    • Become permanently disabled because of an accident
    • Are accidentally infected with HIV, for example a needle-stick injury (very relevant for medical students)
    • Are infected with HIV because of a rape incident

How it Works

You make monthly payments of R34. If you become permanently disabled or are infected with HIV, you will receive a tax-free one-off pay-out of
R1 000 000.
You can take out this cover if you are in your fourth year of study and younger than 30 years, and studying towards most professional disciplines.

Optional extras

You can combine accidental disability cover with any of the insurance options below. If you’re not sure of the level of cover you need or don’t understand any of the cover options, it’s always a good idea to talk to a financial planner who has the expertise to help people manage their money in a way that’s best suited to their current needs.

  • Life Insurance and Final Expenses Cover for if you pass away while you’re studying
  • Future Cover that ensures you can take out additional life insurance in future even if your health deteriorates
  • Accidental Injury Cover for if you suffer an injury because of an accident but can still continue your studies

Requirements to take out this plan

  • You must be in your fourth academic year or higher
  • You must be younger than 30
  • Studying towards one of Sanlam's specified professional occupations

Get a Quote

Choose how much you want to insure yourself for, calculate the monthly cost of different options and get an online quote for the personal cover you need. We explain the different kinds of cover step by step.

Get an online quote

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