Disability Cover

Disability Cover helps you adjust your lifestyle after illness or injury

disabled male kneeling down

Disability cover can pay you a lump sum to help you make the lifestyle adjustments you’d need if you were ever to become disabled.

We’d all prefer not to think about it, but the fact is, nobody plans to get injured or ill. Regardless of your age or occupation, and no matter how healthy or careful you are, the risk of an accident or illness occurring is always there.

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We’d all prefer not to think about it, but the fact is, nobody plans to get injured or ill. Regardless of your age or occupation, and no matter how healthy or careful you are, the risk of an accident or illness occurring is always there.

How would you and your family cope if you were suddenly to become disabled? Having disability insurance in place is crucial for you to be able to make adjustments to your lifestyle if something were to happen to you.

Most people have one of two types of disability cover: Employer group cover (which generally doesn’t give you a lump sum payout), or generic, one-size-fits-all cover from a life insurance provider, which isn’t tailored or comprehensive enough for their actual needs.

For this reason, at Investec Life we’ve designed our Disability Cover to be highly personalised to your particular circumstances as an individual and Private Banking client. It will provide you with a lump sum payout if and when you can’t care for yourself or carry out simple daily activities.

Cover that helps you adjust your lifestyle

Maintain quality of life, no matter what happens

In the event of becoming disabled, can you afford to cover the costs that come with rehabilitation and lifestyle modifications?

Investec Life’s Disability Cover ensures you have optimal rehabilitation opportunities. The lump-sum payout can be used for good physical or occupational therapy and quality long-term nursing care, and can be used to make any necessary alterations to your home or car. 

You can rest easy knowing that you’d have access to everything you’d need to assure your long-term recovery. You can also use the payout to settle any outstanding debt, protecting both your assets and your family. Disability cover allows you to focus on what’s important – your quality of life.

Investec Disability Cover is comprehensive. We base your payout on objective medical criteria and take your specific occupational duties into account. We also make payouts of 50% of your cover if your disability is less severe.

What you need to know

Premiums are age-rated and not guaranteed. This means that each year on your policy anniversary (because you are a year older) your premium will most likely increase for the same level of cover.

This cover is for permanent disability and is not intended to replace lost income from temporary time off work.  

Investec Life will assess your disability (which could require rehabilitation) at claims stage.

Download our brochure to find out more

Get peace of mind knowing that costs arising from a permanent disability, such as lifestyle adjustments and long-term nursing or care, will be taken care of.

I’m interested

I’m an existing Private Banking client

It’s simple and easy to apply. Log into Investec Online or the Investec App. Click on the ‘Protect’ tab. Click on 'Life insurance'.

I’m not an existing Private Banking client

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