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Skip Navigation LinksPersonal and Family Insurance

Disability Cover

If you become disabled and can’t work, we help you keep going with a lump-sum payout.

Sanlam Disability Insurance provides you with the peace of mind that your family’s expenses, as well as your own, will be covered so that you can maintain your standard of living if you were to become injured or disabled, either temporarily or permanently.

Get quoted and covered online in under 10 minutes with Sanlam Indie, or speak to a Sanlam financial adviser about a personalised insurance solution.

How it Works

Why choose Sanlam Disability Cover.

Buy Online

Get quoted, buy online and get a free Wealth Bonus.

Claims

How to submit your claim.

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Expert financial advice at your fingertips.

Why Choose Sanlam Disability Cover?

Sanlam's Disability Insurance solutions offer maximum choice and flexibility. Should you become disabled, the lump-sum payout can be used for day-to-day expenses, therapies, and any home alterations required to make living with a disability easier on you and your loved ones.

The amount of insurance you require will depend on your personal needs, which you can determine in minutes using Sanlam Indie – plus you can buy life and disability cover online in minutes. Alternatively, if you would like to structure your life insurance to suit your current life stage, you can speak to a financial adviser about Matrix Express Cover and Matrix Premier Cover.

 

 

Indie Disability CoverIndie Disability Cover<p>Maximum cover<br></p><h3>R5 million<br></h3><p>Premium</p><h3>Get a guaranteed quote online in minutes<br></h3><p>from R100 p/m<br></p><p> </p><p> <b>Features:</b></p><ul><li>Free built-in Wealth Bonus</li><li>Flexible premiums</li><li>Get quoted and covered in under 10 minutes</li><li>Immediate cover</li></ul><br>https://www.indiefin.com/start/?utm_source=sanlam&utm_medium=button&utm_campaign=disability_cover&utm_content=product_card&utm_term=buy_onlinehttps://www.indiefin.com/start/?utm_source=sanlam&utm_medium=button&utm_campaign=disability_cover&utm_content=product_card&utm_term=buy_onlineBUY ONLINEOrange
Matrix Express CoverMatrix Express Cover<p>Maximum cover</p><h3>R5 million</h3> <p>Premium</p><h3>Calculated by adviser</h3>​ <p> <b>Features:</b></p><ul><li>Ideal if you require personalised cover </li><li>Simple underwriting – answer only 13 health questions </li><li>Random medical tests may be required<br></li><li>Add a cashback benefit to your plan at an additional cost of 35% on premiums and receive back all the premiums you’ve paid on your cover (provided that cover is still intact after 15 years)</li></ul>Contact AdviserBlue
Matrix Premier CoverMatrix Premier Cover<p>Maximum cover</p><h3>Unlimited </h3><p>Subject to financial underwriting and income</p><p>Premium</p><h3>Calculated by adviser</h3><p>Save with Sanlam Reality</p>​<p> <b>Features:</b></p><ul><li>Ideal if you require over R5 million cover</li><li>Traditional underwriting, possibly requiring medical tests</li><li>Save up to 30% on premiums with Sanlam Reality</li><li>Add a cashback benefit to your plan at an additional cost of 35% on premiums and receive back all the premiums you’ve paid on your cover (provided that cover is still intact after 15 years)</li></ul>Contact AdviserBlue

Get Quoted and Buy Online

With Sanlam Indie, you’ll get fully quoted and covered online in under 10 minutes.

Even better, every Sanlam Indie policy comes with a free built-in Wealth Bonus.

Whether you know exactly what you want, or need help working out a comprehensive Life and Disability Insurance plan, we’ll guide you every step of the way.

GET A QUOTE & BUY

Frequently Asked Questions

Maintain your standard of living if you can no longer earn an income by covering your expenses, including:

  • Your family's basic living expenses
  • Expenses related to adjusting your home and car to support your disability

Our 3-in-1 cover pays for recognised, occupational and personal disability, including:

  • Loss of limbs
  • Disabilities that affect your employment
  • Conditions that leave you unable to take care of yourself

Most people choose to have at least R350 000 of disability cover, but opt for about 6 months of income (after tax but before other deductions) if that’s higher.

We’ll help you work out the amount of cover you need in just minutes.

Your premium is determined by your age and risk profile when you take out the cover. To get an immediate guaranteed quote, use the Sanlam Indie calculator.

Sanlam Reality members on the Reality Plus and Reality Health membership options can get discounts of up to 30% on Matrix Premier risk products. For more information on how to join, visit the Sanlam Reality website.

Get any Sanlam Indie policy and we’ll match up to 100% of your monthly premium in an investment - at no extra cost.

Your Wealth Bonus grows with your premiums and with the market. Over the years, those contributions really add up and so does the growth. You can access 10% of it every 5 years, and all of it (including years of growth) at 70. You can learn everything you need to know on the Wealth Bonus page.

Let us contact you with an obligation-free quote.

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