Pandemic shield insurance

Get cover against any pandemic


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  • All fields are compulsory  
  • You will receive acknowledgement of your application within 4 hours.

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 09/10/2020

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.  

On the Diamond Plan, you will receive a once-off payment of R50 000, plus R500 per day for the duration of your hospital stay (up to a maximum of 14 days, whichever is the shorter). On the Gold Plan, you will receive R25 000 as a once-off payment.

No, Pandemic Shield insurance is not a medical scheme. Rather, it pays out a fixed amount if you are hospitalised as a result of COVID-19.

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 younger than 60 years at the time they apply may take out this insurance. Only one policy is allowed per insured person. 

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.

Pandemic shield



per month
  • R50 000 Lump Sum If Hospitalised
  • R500 Daily Cash Amount Limited to days hospitalised or 14-days whichever is less
get cover


per month
  • R25 000 Hospital Cover
  • No Daily Cash Amount
get cover

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