Dread Disease Cover
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.
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.
- Paraplegia
- Blindness
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
Choose from 3 Levels of Cover
Level 1
- Up to a maximum of R185 000
Level 2
- Up to a maximum of R250 000
Level 3
- Up to a maximum of R350 000
More Life & Funeral benefits
Funeral Cover
Cash payment in event of the death of an insured member. Add funeral cover to your Day-to-Day or Accident benefits at the level you want
Permanent Disability Cover
Cash payment in event of an accident causing permanent disability for you or your spouse. Add to your Hospital benefits at the level of cover you want
Lump Sum Payments
Life benefits pay out a lump sum to the member less costs incurred for treatment if applicable.