Cancer Insurance

Comprehensive Cover up to R2 Million

A cancer diagnosis can impact your health, emotions, and finances. Our Cancer Insurance provides a lump-sum pay-out of up to R2,000,000 when you’re diagnosed with cancer (stages 1–4), so you can focus on recovery while we help protect your financial security.

Underwritten by Old Mutual Alternative Risk Transfer Limited (OMART), a registered Long-Term Insurer.

Why Choose Cancer Insurance?

• Up to R2 Million Pay-Out: Choose a benefit between R100,000 and R2,000,000.
• Covers All Cancer Stages: Comprehensive protection from stage 1 to stage 4 (policy T&Cs apply).
• Simple Application: No medical exams or underwriting; just answer five qualifying questions.
• Financial Freedom: Use your lump sum for treatment, hospital care, specialists, or day-to-day costs.
• Child Cancer Benefit: If your dependent child (0–18) is diagnosed, receive 10% of your benefit amount.
• Lifetime Cover: Whole-of-life policy once accepted.

How the Cancer Insurance Benefit Works

If you are diagnosed with cancer (stage 1–4) and your claim is approved, you receive 100% of your insured amount. Funds can be used at your discretion for medical treatment, gap costs, living expenses, or recovery support.

For your children: if your dependent child (ages 0–18) is diagnosed with cancer (stage 1–4), you receive 10% of your benefit amount to assist with their care.

Who Can Apply?

• Ages 18 to 55 (next birthday)
• No previous cancer diagnosis
• No immediate family member diagnosed with cancer before age 60

Qualifying Questions (Answer “No” to All)

1. Have you ever had any of the following?

   • Raised or abnormal PSA test
   • Any form of cancer or malignant growth or tumours
   • Any pre-cancerous, pre-malignant or borderline malignant growths or tumours
   • Abnormal mammogram
   • Melanoma, Sarcoma, or Fibroma
   
   

   Required answer: No

2. Do you currently have any skin lesions or moles showing changes (bleeding, getting bigger, colour change, itching, or painful) that you would like, or were advised, to have investigated? (Ignore minor skin injuries like cuts and scrapes.)

   Required answer: No

3. Do you currently have or have you had any of the following: Ulcerative colitis, Crohn’s disease, Human papilloma virus (HPV), Familial adenomatous polyposis, Cervical intraepithelial neoplasia (CIN), Hepatitis B or C, Barrett’s Oesophagitis, or HIV?

   Required answer: No

4. Have two or more direct relatives (father, mother, or siblings) had cancer under age 60?

   Required answer: No

5. In the next 6 months, do you have, plan, or intend to seek medical advice, have consultations, investigations, tests, or follow-ups, or are you awaiting any results (e.g., scans, x-rays, or investigations of growths/lumps/moles)? (Routine visits for colds/flu, sinusitis, muscular injuries, pregnancy follow-ups, dentistry, etc. may be ignored.)

   Required answer: No

If you answered “No” to all the above, you’re eligible to apply today.

Key Policy Details & Terms

• Benefit Amount: R100,000 to R2,000,000
• Waiting Period: 6 months from policy start date
• Premium Increase: 6% annually on your policy anniversary
• Expiry Age: Whole of Life
• Minimum Entry Age: 18 (next birthday)
• Maximum Entry Age: 55 (next birthday)
• Coverage: All cancer types (stage 1–4), subject to terms and conditions

Get A Cancer Insurance Quote!