What we offer you

Tax-free lump sum payout of up to R3 million

A cash lump sum will help you adapt to your changing needs, whether that’s making adjustments to your home, paying for medical expenses or covering your day-to-day expenses.

Direct application 

When you apply for direct cover with Liberty, everything is done over the phone in a simple one-step process – no application forms or full medicals required.

Hassle-free cover

This cover is straightforward and easy-to-understand based on individual risk profiles.

What is considered a permanent disability?

A disability through illness or injury which we agree permanently and totally prevents you from working in your current field or any other field suited to your education, training and work experience.

What’s not covered?

You won’t be covered if you can’t work because you harmed or injured yourself on purpose, if you are injured while breaking the law or while intentionally exposing yourself to war or war-like activities. You also won’t be covered for any exclusions outlined in your policy.

What about HIV tests?

We need you to have an HIV test within 90 days of your cover start date. If you don’t have the test or if your results come back reactive, you’ll only be covered if you become permanently disabled as a result of an accident. Remember, our blood tests are free and our nurses will come to you.

Who can apply?

Any South African citizen between the ages of 18 and 60 with a bar-coded ID and a bank account may apply for cover. You must be taking out the cover for yourself.