Domestic Cover
People who work in our homes and small businesses are an important part of our daily lives. They are often the only breadwinners for their families, and if tragedy strikes, their dependants may be left destitute.
Domestic Cover provides great value protection for your employee and their family. Sign up quickly and easily online or get us to call you. Just a few simple health questions - no blood tests required - and they’re covered.
Policy Features for your domestic worker:
- done Life cover up to R200,000
- done Disability cover up to R400,000
- done Family Funeral cover up to R50,000
- done Body repatriation and grocery benefits included
- done No blood test, no medicals, just 3 health questions
- done Immediate cover
- done Available to foreigners working in SA legally
As seen on
Simply Domestic Cover includes any combination of the following:
Life cover 
The amount of cover you select will be paid as a lump sum to your employee’s beneficiaries if they die. They will also receive an additional R500 cash per month for 6 months to help cover the cost of groceries. Cover is limited to the smaller of 5X the employee’s annual salary and R200,000.
Disability cover
The amount of cover you select will be paid to them as a lump sum if they become severely and permanently disabled. Cover is limited to the smaller of 8X the employee’s annual salary and R400,000. Disability here can mean the loss of a body part, or the loss of use of a body part.
Funeral cover 
The amount of cover you select (up to the maximum of 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 their children. You can also add new children later.
The benefit will be paid out within 24 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 6 months at no cost.
The funeral cover benefit also includes a body repatriation service, which covers the cost of transporting the deceased’s body to the place of burial (within South Africa only), and provides other funeral support services (up to a limit of R15,000 in value per policy per year). None of these services can be exchanged for cash. For existing customers, please check your policy document to see if you have this additional service.
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.
Eligibility 
To qualify for this product, your employee must be:
- South African or a foreigner with a valid work permit.
- Working for you full-time (this means a minimum of 24 hours a month), and have worked for you for at least 6 months.
Accidental-only variant 
If you do not qualify for the standard version of this product, you can choose to take out an accidental only variant of the product.
In that case, you and your family will only be covered for death or disability as a result of an accident that occurs after the policy is issued. So natural causes (i.e. illness) will not be covered.
Get a Domestic Cover quote
Trusted by 10000+ families
Simply is very affordable, my sign up was very easy and fast.
Andile
When my husband died in a car crash, his life insurance payout from Simply helped a lot. The matter was dealt with very quickly and I gave half to his family.
Helen
Your service is really amazing, superb staff and so easy to understand.
Nancy
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Frequently Asked Questions
What is Life Insurance?
Life Insurance is cover that pays out a sum of money if the insured person dies. Life Insurance is paid for by a monthly fee (called a premium) and, as with any insurance, you are only covered as long as you continue paying this premium.
Why do I need Life Insurance?
If the people you love won’t have money when you die, you probably need it. They can use the cash to settle any debts and pay for things your monthly income used to cover, such as rent, school fees and food.
What is the difference between a Funeral Plan and Life Insurance?
They are similar. Funeral plans are life insurance designed to cover the costs of a funeral. They pay out very quickly on death so that the money is available when your family needs it. Funeral plans usually cover more than one person. For example, Simply Funeral plans cover you, your spouse and any number of children under the age of 21. Ordinary life insurance provides a larger lump sum to your beneficiaries so that they are taken care of when you’re not around. While funeral plans are certainly important, you should also think about what will happen to your family after your funeral.
Why don’t more people have Life Insurance?
Most people don’t like to think about dying or being injured, and don’t think it would ever happen to them. For many of us, it’s difficult to make ends meet every month even without this additional cost. Life insurance protects your dependents in the event of your untimely death or disability. Simply offers you protection, quickly, simply and affordably.
What is Disability Cover?
Disability cover pays out if you suffer an accident or illness that limits your movement, senses or activities, and are therefore unable to continue working. There are different kinds of disability cover available. One type, often called “Physical Impairment Cover” pays out on pre-defined injuries, regardless of whether it actually impacts on your ability to work. For example, if you become paralysed, or blinded, the cover will pay out. You don’t need to be employed to be eligible for cover. Another type of cover, “Occupational Disability”, relates specifically to your ability to do your job, or another similar job. More types of illnesses and injuries are covered, but these have to affect your ability to work, and you have to be employed in order to claim.
Why do I need Disability Cover?
Becoming disabled can create a huge financial burden. Not only are you unable to work and earn a salary, but you’ll incur many additional expenses due to your disability – such as wheelchairs, changes to your house or costs of transport and additional medical bills.
What is accidental-only cover?
Accidental-only policies only cover you if you or a member of your family die or are disabled as a result of an accident. This means death or disability is caused by a sudden and unexpected event that happens at a clear time and place. An accident is usually something violent - something external and outside your control that happens TO you. If you die or are disabled as a result of illness, you are NOT covered. Accidental-only cover is therefore more limited, and normally appropriate only if you do not qualify for full cover due to existing health problems.
How much Life Insurance do I need?
There is no simple answer to this. Ideally you should have enough life insurance to pay off any debts you leave behind, and to replace the income you were contributing to the family (for as long as you think they need to get back on their feet).
How are my premiums calculated?
A number of factors will determine how much you pay every month (your monthly premiums). These include the amount of cover you will need, as well as your age, gender, income, smoking habits and how healthy you are at the time of taking out the insurance.
What isn't covered?
If you commit suicide or harm yourself on purpose, then the benefit will not be paid. If you are killed or harmed while involved in illegal activities, riots, wars or terrorism, then no benefit will be paid. See your policy documents for full details of what is not covered.
What happens if I don’t tell the truth about my health?
It’s very important that you answer the questions honestly. If you are found to have given incorrect information, the benefit may not be payable, and your premiums would have been wasted.
How long will it take to receive payment?
Payment will be done as soon as possible, but your dependents need to provide all the necessary documentation to process the claim. Funeral plan benefits should be paid within 24 hours of receiving all claim documentation.
What is a beneficiary?
A beneficiary is the person who will receive the benefit. Often this would be the husband or wife of the person who is covered. You need to tell us who you want the beneficiary to be. If we don’t know who the beneficiary is, it will take longer for the money to reach your family. You can have more than one beneficiary, and you can change your beneficiary at any time.
Domestic Employee Resources
From our blog: tips and tools for your wallet and wellbeing
Why your domestic worker needs life cover
Next time you have 10 minutes to spare, ask your domestic worker about her funeral cover. With some prompting you will likely receive a thorough response, with a real-world cost-benefit analysis of the various policies and insurance providers in the market.
You will be educated on why funeral cover is so important to her and her family, the excessive costs involved in a funeral and the social pressure she is under to deliver a funeral worthy of esteem. Then, ask her about her life cover and you’ll probably receive a much shorter answer.