Caregiver Policy

RECENTLY UPDATED

Road Accident Benefit Scheme

07.02.12

Taking new ground: Cover for farm labourers

21.09.11

Bulk Insurance: Good for the consumer or the underwriter?

21.09.11

Group Income Protection -why it can be an easy sell?

16.09.11

Franchise Plus Product
15.09.11

Conflict of Interest Policy
29.07.11

Site Map Disclaimer

Content View Hits:

Caregiver Policy

PRODUCT SPECIFICATION

WHAT IS COVERED

The Caregivers policy would pay the caregiver a pre-determined benefit to pay for professional care giving in his/her absence if he/she suffers an injury or illness. This is an annuitized benefit paid over a pre-defined period.
The Critical illness and Broken bones products make up Caregiver, the product tailored for the care giving segment.
There are two categories. Please see table of benefits.

THE SUM INSURED

Monthly annuity of R3 750 for Critical illness and Broken bones. The annuity will be paid depending on the type of illness, fracture or burn.

ELIGIBILITY

WHEN DOES COVER CEASE

PLANS AVAILABLE

FEATURES

EXCLUSIONS

Any Pre-existing conditions
Any illness other than a diagnosis of critical illness as defined in the policy
Any Critical illness of which, the signs or symptoms first occurred prior to or within ninety (90) days following the effective date of this policy
Any Critical illness, which is directly or indirectly caused by congenital defect or disease
Any Critical illness based on a diagnosis made by a member of the insured persons family or anyone who is living in the same house with the insured person or by a herbalist, acupuncturist, or other unconventional health care provider.
HIV and AIDS
Alcohol and drug abuse
Active service in any defense, policy or traffic force
Osteoporoses
See policy wording for all details

BENEFITS

Monthly annuity paid for either 3 or 6 months
MSO benefits (The MSO - Medical Services Organisation - provides a managed care program to ensure that in the event of the care recipient requiring professional caregiving assistance, they will receive quality care, delivered in the most appropriate setting through a process that encourages effective, efficient and consistent utilisation of caregiving services)
Worldwide cover, 24 hours a day, paid out in South African Rand

Personal Injury
Insured Injuries		Benefits
Category 1	1. Total Hip Replacement	R3 750 per month up to a maximum of 3 months
	2. Multiple fractures of Pelvis (at least one compound and one complete)
	3. Total Knee Replacement
	4. Multiple fractures of Femur (at least one compound and one complete)
	5. Burns>20%
Category 2	1. Fractures of Heel	R1 125 per month up to a maximum of 3 months
	2. Fracture of lower leg
	3. Fracture of Clavicle
	4. Fracture of Ankle
	5. Fracture of Elbow
	6. Coles type Fracture of Lower Arm
	7. Fracture of Shoulder Blade
	8. Fracture of Kneecap
	9. Fracture Spine
	10. Fracture of Sternum
	11. Fracture of Ribs
	12. Fracture of Knee
	13. Fracture of Wrist
	14. Fracture of Collar Bone
	15. Burn<20%
The above Benefits are cumulative but subject to the maximum amount payable
CRITICAL ILLNESS
Insured Illness
Category 1	1. Muscular Dystrophy	R3 750 per month up to a maximum of 12 months
	2. Multiple Sclerosis
	3. Paralysis
	4. Alzheimer's Disease
	5. Motor Neuron Disease
	6. Parkinson's Disease
	7. Total Blindness
Category 2	1. Cancer	R3 750 per month up to a maximum of 6 months
	2. Stroke
	3. Chronic Kidney Failure
	4. Chronic Liver Disease
	5. End - Stage Lung Disease

FEES

RATES
	Premium including MSO but excluding Admin Fee	Debit order fee
Policy Holder only	R80.00	R10.00
Policy Holder & Spouse	R150.00	R10.00