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.
Domestic Cover provides your employee with protection for their family, with three different benefits available:
Life insurance
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 up to five children. You can also add new children later (up to the maximum of 5).
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.
Benefits sold after 25/06/2017 also include 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.
Customise
You can choose one of our pre-selected packages which combine all 3 of these benefits, or you can customise, by removing one or more benefits and/or adjusting the cover to exactly suit the needs of your employee and your budget.
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 they 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, your employee and their family will only be covered for death or disability as a result of an accident that occurs after your policy is issued. So, natural causes (i.e. illness) will not be covered.
Download our detailed policy document