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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.

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How to submit your claim.

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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>/personal/insurance/personal-and-family-insurance/Pages/disability-cover.aspx#indieFaqhttps://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 Disability CoverMatrix Express Disability Cover<p>Maximum cover</p><h3>R5 million*<br></h3><p>*Subject to financial underwriting<br></p> <p>Premium</p><h3>Obtain a quote from an adviser<br></h3>​ <p> <b>Features:</b></p><ul><li>Comprehensive disability cover with various additional features:<br></li><ul><li>Temporary Incapacity Cover<br></li><li>Extended Occupational Disability Cover<br></li><li>Built-in Future Cover for Young Lives<br></li></ul><li>Whole Life options, providing valuable cover into retirement<br></li><li>An easy application process - answer only 13 health questions (random smoker, BMI and HIV tests may be required)<br></li><li>Add a <a href="/personal/insurance/personal-and-family-insurance/Pages/cashback.aspx" class="smallLink" target="_blank">Cashback benefit</a>, receive up to 100% of your payments back after 15 years</li></ul> <br>#FAQContact AdviserBlue
Matrix Premier Disability CoverMatrix Premier Disability Cover<p>Maximum cover</p><h3>Unlimited*<br></h3><p>*Subject to financial underwriting<br></p><p>Premium</p><h3>Obtain a quote from an adviser<br></h3><p>Save up to 30% with Sanlam Reality<br></p>​ <p> <b>Features:</b></p><ul><li>Comprehensive disability cover with various additional features:<br></li><ul><li>Temporary Incapacity Cover<br></li><li>Extended Occupational Disability Cover<br></li><li>Built-in Future Cover for Young Lives<br></li><li>A Prosthesis Booster<br></li><li>Boosted payouts<br></li><li>Built-in Child Cover<br></li></ul><li>Whole Life options, providing valuable cover into retirement<br></li><li>Generally a lower cost option due to more health questions and the possibility of further medical tests<br></li><li>Add a <a href="/personal/insurance/personal-and-family-insurance/Pages/cashback.aspx" class="smallLink" target="_blank">Cashback benefit</a>, receive up to 100% of your payments back after 15 years</li></ul> <br>#FAQContact 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

Sanlam Indie: Frequently Asked Questions

We've got your back if you become permanently disabled and are unable to do your current job at the time of your disability.

You’re also covered if you're a full-time student when you become disabled, and are permanently unable to fulfil the demands of the occupation you’re preparing for, taking into account your education, training, and experience.

Whether you can still work or not, you'll be covered for total, permanent and irrecoverable loss of:

  • the vision in two eyes
  • the use of two hands
  • the use of two feet
  • the use of one hand and one foot

If you become disabled and can’t work, you receive a tax-free, one-off payout. The amount will depend on the cover you’ve chosen.

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.

The Sanlam Indie calculator will help you work out how much cover you need in just minutes.

Sanlam Indie lets you proactively skip premiums without losing all your cover or reducing your Wealth Bonus. Read more here.

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.

Matrix Premier and Express Disability Cover: Frequently Asked Questions

Protect yourself against the risk of losing your ability to earn an income due to illness or injury and against the cost of living with a disability even if you can still work.

Sanlam’s Matrix Disability Cover offers the most comprehensive lump sum disability cover in the market, offering you the financial support when you need it most.

All our disability benefits have whole life options and are also available as “accidental-only” versions, which means you can get cover for accidental events only.

With our Sanlam Protector Umbrella Trust option you can provide upfront consent for claims to be paid into the Sanlam Protector Umbrella Trust should you not possess the legal capacity to act at time of a claim - a much-needed solution given the rise of dementia*.

*Source: alzheimers.org.za

  • You make monthly payments for the period of cover you have chosen
  • You will receive a tax-free lump sum pay-out when you claim
  • We recommend you speak to a financial planner to help you select the option that is best suited to your needs

Your premium is determined by your age and risk profile when you take out the cover. To find out how much you’ll pay contact a financial planner.

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.

Occupational disability cover protects you against the risk of losing your ability to earn an income due to illness or injury. If you are covered for occupational disability, you will receive a payment should you become disabled to the extent that you are totally and permanently unable to do your job.

Our benefits also include Extended Occupational Disability cover. This means that if you were to stop working for reasons other than retirement, like taking sabbatical or if you’re retrenched, you will continue to have cover for occupational disability for up to 12 months from the date that you stopped working.

Under the Sanlam Matrix offering you will also be covered against the cost of living with a permanent disability even if you can still work. A comprehensive range of events is covered, grouped into the following categories:

  • Cardiovascular system
  • Blood system
  • Respiratory system
  • Central nervous system
  • Gastro-intestinal system
  • Endocrine system
  • Renal system
  • Musculoskeletal system
  • Cancer
  • Visual system
  • Hearing
  • Speech
  • Psychiatric conditions
  • Face and skin
  • Trauma
  • HIV
  • Activities of daily living / Catch-all / Frail care

While other lump sum disability benefits in the market only pay on permanent disability, various benefits in our range include cover for Temporary Incapacity.

If you are injured due to an accident and are unable to work for 3 months or longer, this feature will pay 10% of the cover amount. There are no waiting periods for claims due to accidents.

For non-accidental causes of incapacity the feature will pay 10% of the cover amount if you suffer from certain illnesses that, after a waiting period, leave you unable to work for 2 months or longer.

In both instances your inability to work will be assessed against the Official Disability Guidelines (ODG). The ODG is an objective international publication containing independent evidence-based return-to-work treatment guidelines.

Sanlam’s Elite Disability benefit is our top of the range disability benefit. It is exclusively available on our Matrix Premier offering. This benefit includes the following unique features, in addition to those already mentioned:

  • A Prosthesis Booster – We will pay an extra amount (up to R10 million) for certain amputations, paraplegias and quadriplegias. This extra amount can help towards the cost and maintenance of expensive prosthetic devices.
  • Boosted pay-outs – We will increase the payments for certain less severe impairment events. On our other benefits, we will pay less than 100% for these events. Under this benefit we will boost the payment to 100%.
  • Built-in Child cover – Cover for your children should they get seriously ill or injured (there is a list of specific injuries and illnesses that qualify under this benefit).

The Sanlam Protector Umbrella Trust can take care of you when you cannot take care of yourself.

By law we are not allowed to pay a claim directly to clients who have lost their legal capacity to act. The family or legal representatives of such clients need to go to the High Court for an Administrator or Curator Bonis to be appointed. This can take as long as 13 months and the average cost to do this is around R50 000. This delay in payment often happens when the money is needed most to provide for you and your family.

If you have provided consent for the Sanlam Protector Umbrella Trust, we will in the above instances make the payout to the mentioned Trust instead, where the funds will be managed on your behalf.

The administration of the Trust will be subject to fees as determined by Sanlam Trust. The Trust Deed and information on the Trust administration is available on the Trust website at www.sanlamtrust.co.za.

Let us contact you with an obligation-free quote.

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