Group Life Assurance (GLA) provides life cover payable as a lump sum on the passing away of the member before retirement. GLA provides the member with the peace of mind that their family will be taken care of if they are no longer there to support them.

The Permanent and Total Disability benefit pays a lump sum in the event of a permanent disability of the member before retirement. The purpose of this benefit is to protect the member against the loss of earning potential, if he or she becomes disabled and is unable to work. The Permanent and Total Disability benefit must be taken together with the Group Life Assurance benefit.

The Temporary and Total Disability benefit is a monthly benefit that is payable for a limited period. The purpose of this benefit is to protect the member against the loss of earnings or earning potential, if he or she becomes disabled and is unable to work for a limited period. This benefit must be taken together with Group Life Assurance benefit.

The Critical Illness benefit provides cover for the costs associated with living with a defined critical illness (such as Cancer, Heart Attack, Coronary Artery Bypass Graft (CABG), Stroke, Major Organ Transplant or End Stage Renal Failure) by providing a lump sum payment on the first diagnosis of any one of the stated critical illnesses. The Critical Illness benefit must be taken together with the Group Life Assurance benefit.

The Funeral benefit pays out a lump sum in the event the member passes away before retirement. Members can also include their loved ones in this benefit. This benefit is designed to assist with meeting the costs associated with the funeral arrangements.

The following benefits are optional to Group Funeral:

Family Support	The Family Support benefit provides a lump sum on the passing away of the member. This helps the family deal with urgent costs associated with funeral expenses as well as assisting with the living expenses such as groceries following the passing away of the breadwinner in the family.
Tombstone	The Tombstone benefit pays a lump sum should the employee pass away, to aid in providing a tombstone and for the cost of the unveiling ceremony.

Home Loan Protection seeks to protect the loan holder by providing a lump sum benefit, equal to the outstanding home loan, payable on death, disability or dread disease.

Vehicle Loan Protection seeks to protect the loan holder by providing a lump sum benefit, equal to the outstanding vehicle loan, payable on death, disability or dread disease.

Personal Loan Protection seeks to protect the loan holder by providing a lump sum benefit, equal to the outstanding personal loan, payable on death, disability or dread disease.

Business Loan Protection Plan seeks to protect the loan holder by providing a lump sum benefit, equal to the outstanding business loan, payable on either death or disability.

Credit Card Protection Plan seeks to protect the credit card holder by providing a lump sum benefit, equal to the outstanding credit card loan, payable on death or disability.

Provides a lump sum to cover the cost of a funeral. There is an option to cover the policyholder, one spouse and a maximum of six children with a choice to add parents and parents in law as well as extended family members.

Comprehensive cover providing a lump sum benefit on the occurrence of the policyholder passing away. There are no health questions asked or medical tests required. There are additional benefits that can be chosen that also cover the policyholder from the unfortunate events of being unable to earn an income or additional expenses due to a critical illness, physical impairment, permanent disability and accidental death.

Comprehensive cover providing a high lump sum benefit with limited underwriting on the passing of the policyholder. There are additional benefits that can be chosen that cover the policyholder from an unfortunate event of being unable to earn an income or additional expenses due to a critical Illness, physical impairment and permanent disability.

Provides a lump sum benefit to assist with the living expenses while you are in hospital.

Who is covered

• Corporates
• Small and Medium Enterprises
• Individuals

Our health cover includes

• In-patient / Major Medical Benefits
• • Hospital Benefits
  • Major Disease Benefits

• Out-patient / Day-to-day Benefits
• • Chronic Benefits
  • Medical care during pregnancy and after birth
  • Dentistry and Optometry Benefits
  • Acute Conditions Benefits

• International emergency evacuation

We have a range of options to suit your needs

• Comprehensive cover, without shortfalls, for treatment of all life-threatening medical conditions.
• Generous benefits with high overall limits.
• Chronic medicine benefits including HIV.
• Cover is not limited to employees but may be extended to employees’ immediate family too.
• Transparent underwriting rules.