Death or disability insurance
You can cover any member of your household between the ages of 14 and 70 against death or disability (whether permanent or temporary) caused by an accident.
The maximum amount of cover available is R25 000 per person.
We will pay out the full sum insured in case of death or temporary/permanent total disability. If you’re disabled, you’ll receive a percentage of the sum insured, depending on the specific disability.
There is no excess payable in case of a claim.
Please take note that the claim for death or disability has to be reported to us within 30 days after the death or disability. The death or disability also has to occur 12 months from the date of the accident.
For example: You’re involved in a motor vehicle accident and your leg is broken. You will not be able to claim for anything under personal accident as you are not disabled and did not die. Pins need to be inserted in your leg. Unfortunately, the leg does not heal properly and after having complications for six months, there is no other option but to amputate the leg. Once the leg has been amputated, you’re disabled and will have a valid claim. You now have 30 days to submit your claim to us. Seeing that the disability was caused by the motor vehicle accident (six months ago), this claim still falls within the valid time frame during which you can submit a claim.
- The Youi.Reward means that you'll get one month’s premiums back after three years of being a client of ours, regardless of whether you claimed or not.
- Your premium is guaranteed for 12 months at a time.
- We will impress you with great service, every time you deal with us.