VIP Domestic Insurance

R100 000 Life Insurance that covers the person that looks after you and your family every single day.

Indoors Domestic Worker
Cover: R100 000 as selected

  • Death Benefit: Accidental only for the first 6 months, natural causes included after 6 months.
  • Total and Permanent Disability Benefit: If your domestic worker is permanently unable to perform at least 5 of the tasks described in Activities Required of an Indoors Domestic Worker for 4 months or more. 
  • Critical Illness Benefit: Pays out the cover amount if your Domestic Worker suffers from a heart attack, open heart bypass surgery, stroke, major organ transplant or cancer (cancer only becomes claimable 6 months from commencement date).

Death Benefit:
If the Life Insured dies as a result of an Accident (at any time after the Commencement Date) or from Natural Causes (more than 6 months after the Commencement Date), we will pay the sum insured to the Life Insured’s Nominated Beneficiary or, in the absence of a Nominated Beneficiary, to the Life Insured’s estate.

No death benefit will be paid in the first 24 months if the Life Insured has committed suicide.

Total and Permanent Disability Benefit:
If the Life Insured is unable due to physical or mental impairment that has lasted for at least 4 months to carry out at least 5 of the tasks described in Activities Required of an Indoors Domestic Worker and such physical or mental impairment is in our opinion likely to be permanent in nature and was not caused by self-inflicted injury then we will pay the following amount to the Life Insured:

  • If the 4 month period referred to above commenced before the Life Insured’s 56th birthday we will pay the Sum Insured
  • If the 4 month period referred to above commenced after the Life Insured’s 56th birthday we will pay 80% of the Sum Insured
  • If the 4 month period referred to above commenced after the Life Insured’s 57th birthday we will pay 60% of the Sum Insured
  • If the 4 month period referred to above commenced after the Life Insured’s 58th birthday we will pay 40% of the Sum Insured
  • If the 4 month period referred to above commenced after the Life Insured’s 59th birthday we will pay 20% of the Sum Insured

Activities Required of an Indoors Domestic Worker
Means that the Domestic Worker should be able to perform the following tasks:

  1. Travel to and from his/her place of work
  2.  Make beds and change the linen
  3. Wash and sweep floors, vacuum floors and carpets
  4. Wash and iron clothes and other household and personal items
  5. Wash the dishes and pack crockery and cutlery into cupboards
  6. Clean windows
  7. Polish brass and silver
  8. Wash walls

Critical illness Benefit:
If the Life Insured is diagnosed with or suffers from any one of the following Critical Illnesses as defined above for the first time after the Commencement Date (or after 6 months after the Commencement Date in the case of Cancer) we will pay the sum insured to the Life Insured:

  • Cancer
  • Heart Attack
  • Open heart bypass surgery
  • Stroke
  • Major organ transplant
     

Outdoors Domestic Worker
Cover: R100 000 as selected

  • Death Benefit: Accidental only for the first 6months, natural causes included after 6months.
  • Total and Permanent Disability Benefit: If your domestic worker is permanently unable to perform at least 5 of the tasks described in Activities Required of an Outdoors Domestic Worker for 4months or more. 
  • Critical Illness Benefit: Pays out the cover amount if your Domestic Worker suffers from a heart attack, open heart bypass surgery, stroke, major organ transplant or cancer (cancer only becomes claimable 6months from commencement date).

Death Benefit:
If the Life Insured dies as a result of an Accident (at any time after the Commencement Date) or from Natural Causes (more than 6 months after the Commencement Date), we will pay the sum insured to the Life Insured’s Nominated Beneficiary or, in the absence of a Nominated Beneficiary, to the Life Insured’s estate.

Total and Permanent Disability Benefit:
If the Life Insured is unable due to physical or mental impairment that has lasted for at least 4 months to carry out at least 5 of the tasks described in Activities Required of an Outdoors Domestic Worker and such physical or mental impairment is in our opinion likely to be permanent in nature and was not caused by self-inflicted injury then we will pay the following amount to the Life Insured:

  • If the 4 month period referred to above commenced before the Life Insured’s 56th birthday we will pay the Sum Insured
  • If the 4 month period referred to above commenced after the Life Insured’s 56th birthday we will pay 80% of the Sum Insured
  • If the 4 month period referred to above commenced after the Life Insured’s 57th birthday we will pay 60% of the Sum Insured
  • If the 4 month period referred to above commenced after the Life Insured’s 58th birthday we will pay 40% of the Sum Insured
  • If the 4 month period referred to above commenced after the Life Insured’s 59th birthday we will pay 20% of the Sum Insured

Activities Required of an Outdoors Domestic Worker
Means that the Domestic Worker should be able to perform the following tasks:

  1. Travel to and from his/her place of work
  2. Operate a power lawnmower
  3. Operate other power tools necessary to perform his/her duties
  4. Turn-over a flower bed
  5.  Remove weeds
  6. Rake a lawn
  7. Aerate a lawn
  8. Clean a swimming pool

Critical illness Benefit:
If the Life Insured is diagnosed with or suffers from any one of the following Critical Illnesses as defined above for the first time after the Commencement Date (or after 6 months after the Commencement Date in the case of Cancer) we will pay the sum insured to the Life Insured:

  • Cancer
  • Heart Attack
  • Open heart bypass surgery
  •  Stroke
  • Major organ transplant
     


Lion of Africa, (FSP 15283)

Fast Facts

Covers Indoors and Outdoors Domestics workers with:

  • Death benefit
  • Total and permanent disability benefit
  • Critical illness benefit
  • No medicals/questionnaires
  • Valid claims paid within 48 hours 
  • Covers members up to the age of 54

From

ZAR 45,50

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