Dread Disease
Cover for in and out of hospital expenses related to a critical illness.
Major conditions need major cover. Dread diseases, like heart attacks and cancer are serious, require serious
treatment and have serious costs. The Hospitalisation benefit alone will not be enough to cover treatment
which is why we introduced this benefit to provide additional cover for critical illnesses.
GET A QUOTE
Dread Disease Benefit Includes
Pays out according to SCIDEP staging
8 specified conditions on our critical illness list
3 levels of cover to choose from
12 month waiting period
The stated amounts are available once per policy for any dread disease occurrence and can’t be reinstated.
The benefit does not cover claims in addition to any other hospital benefits. Pre-authorisation is required.
Our dread disease list includes
- Heart Attack
- Chronic Coronary Heart Disease
- Stroke
- Cancer
- Kidney Failure
- Major organ transplant:
- Kidney
- Heart
- Lung
- Liver
- Pancreas
- Bone Marrow.
The SCIDEP staging applies only to certain illnesses.
- (most severe): 100% of the available benefit
- 75% of the available benefit
- 50% of the available benefit
- (least severe): 25% of the available benefit
With regards to Dread Disease:
Upon payment of 100% of the Compensation for
any one claim under Dread Disease in respect of any Insured Person, all cover
provided shall be terminated and cannot be reinstated in respect of the Dread
Disease Benefit that has been paid for that Insured Person. Compensation under
Dread Disease shall not be in addition to any other benefit covered under this
policy.
Choose from 3 Levels of Cover
Level 1
- With a maximum limit up to R196 100 per lifetime per member. The maximum limit applicable
will be determined based on the stage of illness - Stage 1 25%
- Stage 2 50%
- Stage 3 75%
- Stage 4 100%
Level 2
- With a maximum limit up to R265 000 per lifetime per member. The maximum limit applicable will be determined based on the stage of illness
- Stage 1 25%
- Stage 2 50%
- Stage 3 75%
- Stage 4 100%
Level 3
- With a maximum limit up to R371 000 per lifetime per member. The maximum limit applicable will be determined based on the stage of illness
- Stage 1 25%
- Stage 2 50%
- Stage 3 75%
- Stage 4 100%