Hope is good.
But it’s not a strategy.
Severe Illness Protection.
We have turned positive thinking into positive engineering. No one ever imagines themselves becoming severely ill and having to transition to a new phase of your life. We help ensure that you will have the financial means necessary to make this as smooth a transition as possible.
PRINCIPAL
SEVERE ILLNESS PROTECTION
Severe Illness cover that is as configurable as you need it to be.
We help you to ensure your needs are well covered and that the impact that a severe illness has on you and your family’s lives isn’t bigger than it needs to be.
ADD-ON PRODUCT: CREDIT
SEVERE ILLNESS PROTECTION
Dynamic severe illness cover that evolves with your credit outstanding.
With your consent, we use your credit data to match your cover exactly to your outstanding balance on chosen accounts – each month for the life of the policy.
This product cannot be bought on its own.
ADD-ON PRODUCT: FAMILY-HEALTH SEVERE ILLNESS PROTECTION
The health of your family should never be put at risk.
Let us help ensure that the ongoing medical scheme contributions of your family can be paid when you get a severe illness.
This product cannot be bought on its own.
Principal Severe Illness Protection Benefits.
- Cover levels come in the form of a lump sum benefit.
- You have the choice of a wide range of premium and cover escalation patterns to match your needs and affordability constraints.
- Cover is fully flexible, with the level and form of cover adjustable at any point.
- Use the Elevate needs calculator at any time to make sure your dependents are fully covered.
Credit Severe Illness Protection Benefits.
- This cover accelerates Credit Life Protection benefits in the event you suffer any of the defined severe illnesses.
- Acceleration is only possible for severe illness conditions that pay out at 100% of cover.
- You select which accounts you want to cover and to what percentage.
Family-Health Severe Illness Protection Benefits.
- This cover accelerates Family-Health Life Protection benefits in the event you get one of the defined severe illness.
- Acceleration is only possible for severe illness conditions that pay out at 100% of cover.
Here are the severe illnesses that are covered
Being diagnosed with one of the following severe illnesses is bad enough. So we pay out proper benefits to cover all of the following:
- Heart failure
- Heart attack
- CABG
- Cardiac surgery
- Vascular surgery
- Arrhythmia
- Peripheral arterial disease
- Hypertension
- Heart transplant
- Stroke
- Paralysis
- Multiple sclerosis
- Motor neuron disease
- Parkinson’s disease
- Alzheimer’s disease
- Dementia
- Myasthenia Gravis
- Guillain-Barre
- Coma
- Brain surgery
- Cerebral Malaria
- Intracranial lesions
- All Stage III and IV cancer
- Leukemia
- Carcinoid syndrome
- Brain tumors
- Prostate cancer
- Malignant Melanoma Stage I
- Mastectomy
- Bone marrow aplasia
- Myeloproliferative disorders
- Carcinoma
- Chronic liver disease
- Liver transplant
- Liver failure
- Portal hypertension
- Cirrhosis
- Chronic persistent hepatitis
- Pancreas transplant
- Chronic pancreatitis
- Permanent colostomy
- Permanent ileostomy
- Total colectomy
- Ulcerative colitis
- Crohn’s disease
- Tracheoesophageal fistula
- Pulmonale
- Lung transplant
- Respiratory failure
- Pulmonary hypertension
- COPD
- Pulmonary thromboendarterectomy
- Home oxygen therapy
- Removal of one or more lobe of lung
- Pulmonary embolism
- Lung abscess
- Pleurectomy
- Drainage of empyema
- Bronchopleural fistula
- Status asthmaticus
- Kidney failure
- Kidney transplant
- Cystectomy
- Nephrectomy
- Orchidectomy
- Open kidney surgery
- Vaginal fistula
- Nephrotic syndrome
- Loss of limb
- Loss of hand
- Loss of foot
- Muscular dystrophy
- Gunshot wounds
- Coma
- Le Fort II & III facial injuries
- Accidental HIV infection
- ICU admission
- Burns
- Thyroid storm
- Hypophysectomy
- Diabetes
- Adrenal crisis
- Addison’s disease
- Sheehan’s syndrome
- Simmonds disease
- Conn’s syndrome
- Cushing’s syndrome
- Pheochromocytoma or insulinoma
- Endocrine tumours
- Acromegaly
- Parathyroid tetany
- Connective tissue disorder
- Arteritis
- Endarteritis
- Loss of hearing (deafness)
- Loss of sight (blindness)
- Loss of speech
- Hemianopia
- Diabetic retinopathy
Principal Life Protection 
Principal Disability ProtectionGot your attention? Download the full suite here.
Click here to download the Principal Protection Product Brochure for additional product information.
Got your attention? Download the full suite here.
Click here to download the Principal Protection Product Brochure for additional product information.
Got your attention? Download the full suite here.
Click here to download the Principal Protection Product Brochure for additional product information.
All Elevate Life policies are underwritten by Centriq Life Insurance Company Ltd. (“Centriq”), a licensed life insurer and authorised financial services provider (FSP 7370).
