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- About Disability Cover
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Get support when you need it
You may not be able to predict the future, but you can ensure that you and your family remain financially stable should you become permanently impaired or disabled and find yourself unable to earn an income.
With Sanlam Disability Cover, a range of insurance solutions that pays out a lump sum which you can use for daily and monthly expenses, therapies, and any changes you may need to make to your home to help you adjust to your new circumstances. And because we’re committed to paying on our promise, we follow a consistent, fair and objective assessment approach that saw us paying out R505 million in disability-, loss of income-, and impairment cover claims in 2025.
Now is the time to protect your future
Taking out disability cover today protects your ability to earn an income tomorrow, ensuring that no matter what the future holds, you and your family will be able to enjoy the same standard of living. And given that this type of insurance looks after you as well as your loved ones, it makes financial sense whether you already have a family to support or you’re just looking after yourself right now. Ready to take the next step?
Compare your options
What’s the difference between Disability Cover and Life Cover
Not sure whether you should opt for life insurance or disability cover or both? Here’s a look at what each one has to offer.
Life Insurance
Life insurance is designed to provide financial support for your family should you pass away unexpectedly by paying out a tax-free lump sum that can be used to cover immediate and future expenses.
Payout is fast because we understand that the loss of a loved one creates immediate expenses, we give you the option of separating your life insurance payment into two portions.
Disability Cover
FAQS
Take a closer look at our disability cover
How are disability claims submitted?
Because we understand that claims are submitted under very difficult and distressing circumstances, we’ve kept the process as simple and straightforward as possible. All claims can be submitted online in a few easy steps, and we’re here to help you every step of the way.How is my disability insurance premium calculated?
Underwriting may sound complicated, but it is essentially the process your insurance provider uses to determine your risk status. This in turn affects your cover amount and monthly premiums, and establishes whether any special terms and conditions apply to your policy.
To help our underwriters calculate your status, you’ll be asked to supply information relating to your health, medical history, occupation and financial situation as well as details about where you plan to travel and any potentially dangerous activities you participate in. You may also be required to complete a medical test.
Our underwriting process is designed to ensure that you pay a fair premium for the full term of your cover and that your beneficiaries are able to claim confidently when the time comes. As carrying more risk for our clients forms part of our underwriting philosophy, your policy will remain unaffected should you change your occupation or smoking habits or take up risky activities after it has been issued.
Is my disability cover premium fixed?
Your cover can be automatically adjusted every year for inflation. Doing so ensures that should you need to submit a claim against your policy several years from now, your cover will still carry the same relative value as it does the day you took it out.What happens if I can’t pay a premium?
It is important that you regularly pay your premium to keep your cover intact. Should you be unable to pay your premium, it may have an impact on you being covered. It is very important to contact us immediately should you skip premiums, to discuss options of how to keep your valuable cover in place, and stay protected.How do Wealth Bonus and Cashback benefits work?
We've created two valuable benefits that reward you for keeping your cover in place. As a Sanlam client with a qualifying product, you have the option of adding our Cashback benefit to any qualifying new or existing risk plan. It rewards you for keeping your cover intact, and pays out after 15 years of continued contributions to your policy. A set additional payment of 50% is charged for the Cashback benefit on a specific cover layer. This payment falls away after 15 years – even if the Cashback amount is left to further accumulate – ensuring great value for money.
Put the payout towards your children’s education, home renovations, unexpected expenses or even your retirement. Alternatively, you can choose to leave your lump sum to grow until you need it. You can also look forward to benefiting from Wealth Bonus® – a portion of your contribution that’s invested in a Money Market fund until you turn 70, ensuring that your money keeps making money. Wealth Bonus unlocks every 5 years, a portion of your Wealth Bonus® is made available to you to withdraw or leave invested.
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