Life insurance
Your income shouldn't end where your health does.
Lump-sum and income protection if disability stops you from earning a living.
- Lump-sum benefit
- Income protection
- Occupation-based cover
Life can change in a moment. Disability cover helps protect your income if illness or injury leaves you unable to work, so your bills, family and lifestyle do not have to take the knock as well.
Ample arranges lump-sum and income-based disability cover across South Africa's top insurers, structured to keep paying the bills when you can't work.
What Disability Cover covers
Lump-sum benefit
A once-off payout if you're permanently disabled and can no longer earn an income.
Income protection
A monthly income if disability stops you from working, temporarily or permanently.
Occupation-based cover
Cover defined around your specific job and ability to do it.
Partial disability
Proportional benefits if you can still work, but in a reduced capacity.
Cover for any cause
Disability benefits may respond to qualifying illness or accidental injury, subject to the policy's disability definition, waiting period and exclusions.
Add-on to life cover
Often combined with life and critical-illness cover on one streamlined policy.
Who disability cover is for
- Anyone who relies on their income to live
- Professionals and skilled workers
- Self-employed people with no employer sick pay
- Sole breadwinners and young families
Disability Cover FAQs
How is disability cover different from critical illness?
Disability cover may pay out when a qualifying illness or injury prevents you from working, subject to the policy's disability definition and exclusions. Critical-illness cover pays out on diagnosis of a specific serious condition meeting the policy's clinical criteria. They complement each other.
Lump sum or monthly income — which is better?
Many people choose both: a lump sum to clear debt and adapt your home, plus a monthly income to replace your salary. We help you find the right mix.
Does it cover illness as well as accidents?
Yes. Comprehensive disability cover responds to both accidents and illness — important, since most disabilities are caused by illness, not injury.
What does 'own occupation' mean?
It means you're assessed on whether you can do your own specific job, not just any job — a stronger, more valuable definition of disability that we'll explain for your policy.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
Not sure if you're paying too much?
Send us your details. We'll do the comparing.
Send us your details and one of our brokers will review your current insurance, compare your options and get back to you. No bots. No call centres. No obligation.
- Call us0861 112 466
- Email us[email protected]
- Office hoursMon–Fri 08:00–18:00 · Sat 08:00–13:00