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
- done Life cover up to R2 million
- done Disability cover up to R2 million
- done Funeral cover up to R50,000
- done Guaranteed cover for 5 or more staff
- done No blood tests, no medicals
- done Instant cover
- done No minimum policy size
- done Includes legal foreigners
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As seen on
Simply Group Cover includes any combination of the following to suit the needs of your employees and your budget:
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 R50k and R2 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 6 months to help cover the cost of groceries.
Occupational Disability cover
The amount of cover you select will be paid to the employee as a lump sum if they become permanently unable to perform their current occupation’s duties, or the duties of another suitable occupation. You can select the same amount of cover for everyone (anywhere between R50k and R2 million), or you can set the cover as a multiple of each employee’s annual salary (anywhere between 1X and 5X annual salary).
Disability here can mean the loss of a body part, or the loss of use of a body part.
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 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.
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.
What’s the process?
Get a quote
To get a quote, you will need the following employee details:
- First name
- Gross monthly income
- Date of birth
You can add one employee at a time, or download our Excel spreadsheet template.
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.
Once you’re happy with your selection and want to take out the cover, simply provide the remaining employee details:
- Cellphone number
- Employment start date
- Email address (optional)
- ID number
Provide your company details, such as:
- Company name
- Registration number
- Contact details
Your employees are covered!
We’ll contact them to collect any outstanding information we may need.
Get a Group Cover quote
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Simply is very affordable, my sign up was very easy and fast.
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.
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Frequently Asked Questions
Why should I consider Group Cover?
Your employees are often family breadwinners. If tragedy strikes, their dependants may be left destitute. As their employer, you may be led with a moral responsibility towards their families. The chances are that many of your staff do not have life cover, or where they have it, it is insufficient. Group Cover is typically much cheaper than the cover your staff might have taken out for themselves. So, if you can get them insured at a lower cost, they might be able to make substantial savings, even where you pass the cost on to them. Also, some of your staff may not be able to get cover for themselves due to existing health issues. With Group Cover, as long as you have at least 5 employees, everyone can get covered, regardless of their state of health.
What can I expect to pay for Group cover?
Cover is generally much cheaper than what your employees could get themselves. We recommend getting a sample quote by clicking here, to see for yourself – it takes seconds.
How does the product work?
Simply Group Cover offers 3 different benefits – Life, Disability and Family Funeral Cover. You, as the employer, can choose all 3, or any combination of benefits – it’s up to you. You can also tailor the amount of cover per benefit to suit your budget.
Is there a waiting period before claims will be paid out?
There is no waiting period for life and funeral claims. There is a 6 month waiting period on disability claims however, where cover will be limited to accidental causes. Waiting periods may be waived where your Simply Group Cover policy is replacing an existing group cover policy.
How quickly are my employees covered?
As soon as you click the ‘Finish’ button on the online application process, your employees are covered. Cover is immediate, even though you haven’t paid your first premium yet.
How long does the whole process take from start to when my staff are covered?
If you have all the employee information ready (i.e. name, gender, birth date, salary, ID/passport number and employment start date), the entire process will take less than 15 minutes – it’s entirely online, no paperwork.
Is our organisation not too small to take out Group Cover?
There are no minimum requirements to take out Simply Group Cover. Don’t believe us? Our smallest scheme has 2 employees.