Pandemic shield insurance for individuals & families
Get cover against any Pandemic
One policy for the whole family
Get additional benefits for the same LOW premium
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
Family Assistance Programme
Speak to a nurse and get emotional support
Rare Disease Cover
Get up to R2 500 per day for 14 days
support your family with
their financial wellbeing.
Get the help you need to meet expenses you or your family have as a result of being hospitalised.
Who is Pandemic Shield for?
Anyone can apply. Premiums differ for people who are 60 years and older. Families can also apply as a group. There are no medicals and no exclusions. One policy is allowed per insured person.
What about Covid-19?
Any hospitalisation longer than 48 hours, as a result of COVID-19, the coronavirus or SARS-CoV-2 is covered as long has you have been tested positive.
PANDEMIC SHIELD
Insurance Cover FAQs
What does it cover?
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.
Is this a medical scheme?
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.
What are the waiting periods?
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.
Will I be able to claim if I am hospitalised for quarantine purposes?
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.
Who is eligible for Pandemic Shield insurance?
Any person can join Pandemic Shield
Will I need to undergo a medical?
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
Individual/Family Products
Gold
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R25 000 Lump Sum
-
Daily Cash Amount
-
R1 500 Per Day Rare Disease Cover
-
Unlimited Family Assistance Programme
-
Cover For Over 60
-
Cover For Family Members
Diamond
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R50 000 Lump Sum
-
R500 Daily Cash Amount
-
R2 500 Per Day Rare Disease Cover
-
Unlimited Family Assistance Programme
-
Cover For Over 60
-
Cover For Family Members
What about waiting periods?
A 21-day general waiting period applies to all Pandemic Shield policies. During this time, no claims can be made and no event in the waiting period can trigger a claimable event, even if the claim is submitted after the waiting period has expired.
If you are hospitalised again for COVID-19, Pandemic, or Rare Disease, you can only make a subsequent claim after a period of 21 days has elapsed since your previous discharge following hospital treatment for COVID-19.
This is not a medical scheme and the cover is not the same as that of a medical scheme.
This policy is not a substitute for medical scheme membership.
Terms and Conditions apply
