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Cover your staff at
the speed of life

Get a quote

Group Cover

People who work in our businesses are an important part of our daily lives. They are often family breadwinners and if tragedy strikes, their dependants may be left destitute.

As their employer, you may be the one left with a moral responsibility towards their family if something happens to them.

Policy Features

For Your Employees

Life Cover

Life cover
Up to R2.5 million

Disability Cover

Disability cover
Up to R2.5 million

Funeral Cover

Funeral cover
Up to R50 000

Guaranteed Cover

Guaranteed cover
For 5 or more staff members


No blood tests
No medicals

Instant Cover

Instant cover

No Minimum

No minimum policy size


Includes legal foreigners


Employee Care Plan includes any combination of the following to suit the needs of your employees and your budget:

Life Cover

The amount of cover you select will be paid as a lump sum to your employees’ beneficiaries if they die.

You can select the same amount of cover for everyone (anywhere between R50 000 and R2.5 million), or you can set the cover as a multiple of each employee’s annual salary (anywhere between 1X and 5X annual salary).

Beneficiaries will also receive an additional R500 cash per month for six months to help cover the cost of groceries.

If you are diagnosed with a terminal illness and are expected to die within 12 months, you can choose to have up to 100% of your lump sum paid in advance to you, or your beneficiary. If you opt for a 100% payout, your policy will be terminated, even if you recover from your illness.

Life Cover
Occupational Disability Cover

Occupational Disability Cover

The amount of cover you select (up to the maximum of R2.5 million for Group cover) is paid if the insured person is permanently occupationally disabled.

This means that they suffer from a bodily injury, illness, disease or surgical operation which results in them being, in our opinion, totally and permanently unable to perform their current occupation’s duties, or the duties of another suitable occupation.

Determining a suitable alternative occupation will take into account the insured person’s education, previous training, abilities and work experience, and need not be with the existing employer. There is a six-month deferred period before your employee is eligible for this benefit.

Funeral Cover

The amount of cover you select (between R5 000 and R50 000) will be paid if your employee or any of their family members covered under the policy die. You can cover them, their spouse, and any number of children under the age of 21. You can also add new children later (any number of children under the age of 21).

The benefits are defined as follows:

Main member or spouse100% of cover
Child aged 14-21100% of cover
Child aged 6-1450% of cover
Child aged 0-650% of cover (maximum R10 000)

The benefit will be paid out within 48 hours of receiving all the claim information we need. The policy does not terminate on the death of your employee’s spouse or children. If your employee dies, their spouse and children will continue to be covered for a further six months at no cost.

Only family members who are resident in South Africa can be covered under our Family Funeral Plan, and children are only covered until they turn 21.

Funeral Cover

The Process

Get a quote

There are 4 simple steps to getting your staff covered.

Step 1
Step 1
Get a quote

To get a quote, you will need the following employee details:

  • First name
  • Gender
  • Gross monthly income
  • Date of birth

You can add one employee at a time, or download our Excel spreadsheet template.

Step 2
Step 2
Choose combination

Choose any combination of life, disability and family funeral cover, as well as the cover amounts you want to provide.

The premium will change as you adjust your selections.

Step 3
Step 3
Remaining details

Once you’re happy with your selection and want to take out the cover, simply provide the remaining employee details:

  • Surname
  • Cellphone number
  • Employment start date
  • Email address (optional)
  • ID number
Step 4
Step 4
Company details

Provide your company details, such as:

  • Company name
  • Registration number
  • Contact details