Procon Insurance || Disability | Impairment | Loss of Income | Critical Illness | Income Insurance

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spaarplanneAny product information [legal and / or technical] on this webpage is subject to change from time to time. This webpage is a summary of some financial products / different product features and is not to be construed as advice by Procon Insurance Brokers. Any recommendations made must take into consideration your specific needs and personal circumstances.

Enige produk inligting [wetlik en / of tegnies] op hierdie webblad is van tyd tot tyd aan verandering onderhewig. Hierdie webblad is ’n opsomming van sommige finansiële produkte / verskeie produkte se kenmerke en moet nie as advies deur Procon Versekeringsmakelaars beskou word nie.  Enige aanbevelings wat gemaak word, moet jou spesifieke behoeftes en persoonlike omstandighede in ag neem. Procon. Versekeringsmakelaars. Pretoria.

Personal & Family Cover: Risk Disability

What disability insurance do you really need?

You have probably heard this one before: “When it comes to insurance, it pays to shop around”  hopefully for the value of the benefits that will be provided.

We at Procon know how different policies define and cover short, long-term disabilities and total disabilities. We also know what severe illness coverage you will receive, if there is a waiting period for the income to kick-in and how or if the income from the disability insurance policy will pay monthly or as a lump sum.

The answer to any questions will greatly depend on your specific circumstances. It will be best for you to meet with an insurance broker who has been in the industry for a number of years to compare policies, quotes and to explain the following:

  • The definition of disability in your policy.
  • Capital disability or Impairment or combination
  • The occupational definition – Own Occupation or own and similar
  • The adjustment of your income benefit for inflation
  • The benefits if you can still work part-time.
  • The increase of your benefit without doing another medical exam.
  • For how long you will receive your benefits
  • Any exclusions of the policy

Like any insurance policy, disability insurance has many different coverages that need to be understood and it is especially important that you know what you are getting and when, since this will be the income you and your family may be depending on in the future. Contact Procon