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Disability Cover

Get peace of mind about your financial security in the unfortunate event that you are no longer able to work because of disability.

Disability insurance from Sanlam provides assurance that your family’s expenses, as well as your own, will be covered if you become disabled through injury or illness.

Disability Cover

Maximum choice and flexibility at the best rates.

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Sanlam's Disability Cover

Excellent cover at attractive rates with the flexibility to add to your benefits.

Sanlam's disability cover offers maximum choice and flexibility as well as higher cover amounts at attractive rates. You can combine life insurance, disability cover, severe illness cover and income protection with additional offerings, such as accident cover. The type and level of cover you need depends on your personal needs and circumstances. We recommend that you speak to a financial planner to help you select the most appropriate cover.

Protect and maintain your standard of living when you can no longer earn an income by covering your necessary 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

For enhanced cover, you have the option of combining your disability cover with the Whole Life Impairment Benefit, which will provide you with disability cover until the age of 70 or retirement - whichever comes first. It also covers you for impairments common in older people (like sight and hearing loss) even into retirement.

  • You can add a Cashback benefit to your plan at an additional cost of 35% on premiums. With this benefit, if your cover is still intact for 15 years, you will receive a 100% of your premiums paid for this cover back in cash.
  • Contact your financial planner for more information on how to apply for the Cashback benefit and what it can mean for you

You make monthly payments until you become disabled, reach retirement or reach the age of 70 (if you have the Whole Life Impairment Benefit). If you become disabled, you will receive a one-off pay-out.

The cost of the insurance will depend, among other things, on your age and your risk profile when you take out the plan.

When you take out life insurance, various types of underwriting like medical tests and questions about your lifestyle and occupation take time and therefore affect how long it takes to issue your plan. At Sanlam we know that your time is precious and we know that some people really don't like the idea of going for medical tests.

That's why we now offer you a choice between two options:

Express cover offers a simplified underwriting process at competitive rates.

  • Cover of up to R1 million requires no medical tests and you would need to answer only seven health questions
  • For cover above R1 million, we will ask only 12 health questions and you may be selected for a random Nicotine (smoker) test and a random verification of your height and weight
  • Random Nicotine tests are only applicable to non-smokers and do not necessarily need to involve a blood test - we also accept urine tests
Matrix cover involves traditional underwriting which involves a longer list of health questions and could include medical underwriting requirements like blood tests, medical examinations and past reports. In exchange, it provides a larger selection of benefits and higher amounts of cover at our most competitive rates.

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

Online Insurance Quote

This tool will help you understand what the kind of cover you want may cost you each month. You can select Life, Disability, Accidental Injury or Accidental Disability cover.

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