Credit life cover taken after 1 August 2017

What is your employment status?

What are you experiencing?

Can you claim and what can you claim for?

What documents will you need to submit?

I am permanently employed

I have experienced permanent disability or I have been diagnosed with a certain dread disease, such as cancer, heart attack, stroke or renal failure or I have had a major organ transplant or heart surgery

Yes. You can apply to have your account balance settled in full

Proof of illness or disability

We will provide you with a form, which your doctor will need to complete.

I am temporarily disabled or I have been retrenched

Yes. You can apply for 12 months’ instalments to be paid on your behalf

Proof of retrenchment or temporary disability such as a letter from your doctor or retrenchment notice from employer for a retrenchment claim. We will provide you with a form, which your doctor will need to complete.

I have been retrenched

Yes. You can apply for 12 months’ instalments to be paid on your behalf

Letter from your employer, Bank statements

My employer is still paying me but only a percentage of my salary

No claim

My employer has temporarily suspended my income

Yes, if your full income has been suspended for at least 30 days

Letter from your employer, Bank statements.

I am self-employed

I have experienced permanent disability or I have been diagnosed with a certain dread disease, such as cancer, heart attack, stroke or renal failure or I have had a major organ transplant or heart surgery

Yes. You can apply to have your account balance settled in full

Proof of illness or disability

We will provide you with a form, which your doctor will need to complete.

I am temporarily disabled and unable to earn an income

Yes. You can apply for 12 months’ instalments to be paid on your behalf

Proof of illness or disability

We will provide you with a form, which your doctor will need to complete.

I’ve had to permanently close my business as a result of involuntary liquidation or sequestration

Yes. You can apply for up to 12 months’ instalments paid on your behalf

Proof of liquidation/sequestration.

I am a contractor

My contracts have been permanently cancelled

Yes, if you can provide sufficient evidence

Proof of cancellations, Bank statements.

I earn my income from informal work (e.g. domestic worker, gardener, painter etc.)

My income has permanently stopped because I’m no longer working

Yes, if you were permanently employed at the time of registering your cover

If yes, letter from employer(s), bank

All Customers

The policy holder has passed away

Yes. The spouse or executor of the estate can apply to have the account balance of the deceased settled in full

Death certificate