Income protection benefit claim
Injury and illness affects your ability to work. Income protection cover helps you maintain your lifestyle when you're unable to work so that you and your family are financially protected.
If a valid claim is admitted, the claim amount will be paid to the following people in the following order:
- The cessionary (if any).
- The policyholder.
Income protection benefit claim requirements
- The income disability and impairment benefit claim form (CLAIM007) completed and signed by the policyholder or authorised representative of the policy holder (available on request).
- The POPIA consent form (CLAIM026) completed and signed by the policyholder or authorised representative of the policyholder.
- A copy of the insured life’s identity document.
- Copies of all the relevant diagnostic tests / reports.
- A copy of the radiology report(s) (in the event of a fracture claim).
- A copy of the operation report(s) (if applicable).
- A copy of the accident report from the police or your employer (only applicable if claim event was caused by an accident).
- Proof of your income for the last 12 months before the date on which you were diagnosed with the claim event. This may include salary slips, tax returns, bank statements and audited statements.
- A copy of the medical certificate from a medical specialist that confirms the injury or illness (full diagnosis); and the exact period of sick leave (start and end date of sick leave).
- A copy of the hospital account which must include the times and dates of admission and discharge (if applicable).
- Proof of banking details, in the name of the claimant (natural person, minor, deceased estate, legal entity), not older than three months on a bank letterhead or that has a bank stamp on it.
- Curator bonis appointment if the claimant is not able to handle his/her own financial affairs (if applicable).