Discovery Life Disability Cover 2020
Protect yourself against the cost of becoming disabled with Discovery Life Disability Cover.
Should you have a Discovery Life Insurance Policy, you can add the Capital Disability Benefit to your cover. You will then receive a lump-sum payout if you become disabled. These funds help cover the costs associated with your disability.
To determine your individual needs, we suggest that you contact one of our advisers +27 21 712 8866 and request advice from him / her.
Disability Cover Made Easy:
- You can choose how long your disability cover lasts (age 65 or 70).
- During your claim assessment you could still receive payouts from your disability insurance.
- You will receive your claim payment as soon as your condition meets the qualifying medical criteria.
- You could still qualify for a payment if you are unable to resume your previous occupation.
Want to find out more? Contact us at IHS today!
Disability Cover Terms Explained:
Permanent disability: You can no longer work and you will never be able to resume work due to an injury or disability.
Temporary disability: The period you are off work after suffering an injury or disability.
Partial disability: An injury or disability that is permanent, but you are still able to work.
Pre-existing: Any condition you received treatment for or that you knew about prior to the effective date of the policy.
Claim rejection: A claim for any pre-existing condition not disclosed will most likely be rejected.
Quick tip: When filling out your application form it is best to explain any and all pre-existing conditions, in particular any medicine you are taking which could later be considered as a ‘red flag’ for a condition. It may still be possible to get a policy in the case of a pre-existing condition, but you could be asked to pay a higher premium.