The Official National Department of Health COVID-19 Support Service: 060 012 3456 (WhatsApp)
Dread Disease

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
Hospital Bed
8 specified conditions on our critical illness list
3 levels of cover to choose from
Waiting Period
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