Critical Illness Cover
Fedgroup’s Critical Illness Cover offers a standalone benefit
Should an employee or their spouse contract a life-threatening
disease or disorder
The simple lump sum structure offered – either a multiple of the member’s annual salary or a flat rand amount – ensures predictability and certainty for complete peace of mind.
| Critical Illness Cover | Level A | Level B | Level C | Level D | Core | Comprehensive |
|---|---|---|---|---|---|---|
| Heart Attack* | 100% | 75% | 50% | 25% | YES | YES |
| Cancer* | 100% | 75% | 50% | 25% | YES | YES |
| Stroke* | 100% | 75% | 50% | 25% | YES | YES |
| Coronary Artery Bypass Graft* | 100% | 75% | 50% | 25% | YES | YES |
| Critical Illness Cover | Core | Comprehensive |
|---|---|---|
| Major Organ Transplant | Yes | Yes |
| Blindness | Yes | Yes |
| Paraplegia | Yes | Yes |
| Coma | Yes | Yes |
| Severe Burns | Yes | |
| Multiple Sclerosis | Yes | |
| Severe Burns | Yes | |
| End Stage Kidney Failure | Yes | |
| Advanced Dementia including Alzheimer’s Disease | Yes | |
| Parkinson’s Disease | Yes | |
| Accidental Brain Injury | Yes | |
| Heart Valve Replacement Surgery | Yes |
Level A = Most Severe Level
Level B = Moderate Impairment
Level C = Mild Impairment
Level D = Almost Full Recovery
*Payout percentages as measured against the ASISA critical illness definitions
Key Features
An objective and fair system is used to asses a critical illness, based on medical impairment definitions and the activity of daily living.
The impact that an illness, (or a combination of illnesses) may have on the daily life of a member is also considered if a claim does not qualify against a specified illness. We do not rate according to the severity of a critical illness. If an employee meets the clear, simple definitions, we will pay the full benefit. We will also pay out on multiple claims for unrelated illnesses, as the benefit doesn’t fall away after an initial claim is made.
Contact us to enquire about critical illness cover for your employees, as well as group critical illness insurance.