Pandemic Shield Products

Certainty in a time of anxiety

Get a lump sum benefit and daily cash amounts if you are hospitalised because of any disease or health event declared a pandemic by the World Health Organisation (WHO).

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.

Pandemic shield



per month
  • R50 000 Lump Sum If Hospitalised
  • R500 Daily Cash Amount Limited to days hospitalised or 14-days whichever is less
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per month
  • R25 000 Hospital Cover
  • No Daily Cash Amount
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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.

If you are hospitalised due to COVID-19, you will be unable to work – possibly for several weeks. Even with the best medical care, it may take you some time to fully recover. Even if you are not earning, you will still have bills to pay – and additional expenses related to your treatment.

Pandemic Shield insurance provides a fixed sum pay-out that can make a real difference. You can put it towards:

  • The cost of your hospital healthcare
  • Other expenses such as transport for family members who visit you
  • Childcare services for your children while you can’t take care of them  
  • Meeting payment obligations when you’re unable to earn due to hospitalisation

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.

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

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, this is not necessary. You can still be accepted for Pandemic Shield cover if you have a pre-existing condition.

You can make a subsequent claim under your Pandemic Shield policy but only once a 21-day period has elapsed since your previous discharge from hospital following treatment for COVID-19.

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.

Have any questions?
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Certainty In A Time Of Anxiety

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