Pandemic shield insurance

Get cover against any pandemic

Hospital Cover

Get up to R50 000 if you are hospitalised due to Covid-19.

Daily Cash Amount

Get R500 per day for up to 14 days in hospital.

No Medicals Required

No medical examination required. Includes immediate cover.

pandemic shield low premiums icon

Low Monthly Premiums

From as little as R99 per month.

sustain your lifestyle, save money and
reduce the impact of covid-19

Certainty in a time of anxiety

The COVID-19 pandemic has created widespread uncertainty. Understandably, this has made many people and employers afraid for the future.  

Research has shown that South Africans are concerned about maintaining their lifestyles and making savings. They are also seeking ways to reduce the financial impact should they be hospitalised due to COVID-19.

The new Pandemic Shield insurance policy offers protection against these unexpected expenses.

SA Covid-19 stats

Source:, updated 16/04/2021

Tests conducted
Positive Cases


The Pandemic Shield insurance policy provides cover for the current coronavirus pandemic – and for future pandemics. Any sudden outbreak of disease declared to be a pandemic by the World Health Organisation (WHO), and recognised as such by the national government, will be covered under your Pandemic Shield policy.  

To qualify for a fixed sum pay-out under your Pandemic Shield policy, you will need to have been hospitalised for at least 48 hours, and to have tested positive for COVID-19.  

Pandemic Shield also covers hospitalisation due to one of the rare diseases as defined by the European Union.

No, Pandemic Shield insurance is not a medical scheme. Rather, it pays out a fixed amount if you are hospitalised as a result of a rare disease.

A 21-day general waiting period applies to all Pandemic Shield policies under this policy. No claims can be made during the waiting period. Events that occur during the waiting period cannot be claimed for, even if the claim is submitted after the expiration of the waiting period.  

No, you must have been admitted to a registered hospital for the ongoing treatment of a pandemic illness (This includes COVID-19) to qualify for a claim under the Pandemic Shield policy.

Any person can join Pandemic Shield

No, this is not necessary. You can still be accepted for Pandemic Shield cover if you have a pre-existing condition.

Please note: These FAQs are merely for information purposes and do not purport to be or act as advice.

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Id like to find out more about pandemic insurance for...

myself & my family

Get help to meet expenses you or your family have as a result of being hospitalised.

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Support your employees with their financial wellbeing

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