Life cover for you and your family

Discovery offers you and your family flexible personal financial protection at a cost-effective premium and we reward you for living a healthy life and managing your finances.

Why do I need life insurance?

Life insurance ensures that you and your family are financially protected in the event of a death, disability, severe illness or loss of income. The life cover portion pays out a lump sum in the event of a death which can then be used by you or your loved ones to cover any financial obligations - from funeral costs to outstanding home loans - that may arise from your death.

In addition, severe illness, disability and income protection benefits can cover your financial needs in the form of either a lump sum payout or a regular income. You can also cover the education costs of your children should you die, become disabled or suffer from a severe illness. We've designed our products to provide relevant, comprehensive benefits that adapt to your changing needs. To find out more about our products, contact your financial adviser or get life insurance quote from us today.

A Life Plan to suit you in every stage of your life.


Benefits to enhance your cover

We will pay out a lump sum if you suffer from a severe illness.


We will pay you a monthly amount if you're unable to work due to injury or illness.


We will pay out a lump sum if you become disabled.


We will fund your children's education in the event of your death, disability or severe illness.

Education Protector

Additional benefits to provide further financial protection

Medical Premium Waiver

The Medical Premium Waiver covers your family's Discovery Health Medical Scheme contributions for up to 10 years if you die, become disabled or suffer severe illness. This benefit will cover the contributions for the remaining lives on your health plan and will increase in line with the medical scheme contribution increase, up to a maximum of 20% each year.

Global Health Protector

The Global Health Protector ensures that you and your family are covered for a number of medical procedures that either cannot be performed in South Africa or have a greater success rate if performed in the USA. The Global Health Protector will cover the cost of medically necessary healthcare procedures and medication in the USA. It will also cover the costs of transporting you and, if medically necessary, a family member, organ donor, nurse or doctor to the medical facility. We've partnered with an extensive network of leading hospitals and centres of excellence in the USA to ensure that the full procedure, including surgical and medical treatments and organ transplants, will be covered. An overall lifetime limit of $1 million per insured family member applies.

Supplementary Gap Cover

Discovery's Supplementary Gap Cover provides lump-sum payouts and a premium protection to ensure that you and your family have sufficient protection for defined conditions associated with high-cost breakthrough medical treatments. Supplementary Gap Cover offers a range of unique benefits:

  • Medical Breakthrough Funder: Provides you with a tax-free lump-sum of up to R600 000 on diagnosis of qualifying illnesses that are typically associated with high treatment costs. You will also be covered for future unrelated conditions, subject to an overall payout of R1 million per life assured. You also have access to additional funding for advanced genomic sequencing of certain cancers at an overseas provider to inform the optimal treatment regime.
  • Comprehensive Premium Protector: If you suffer a qualifying disability or severe illness event, or upon your death, the Comprehensive Premium Protector will cover your qualifying Health Plan, Vitality, Discovery Gap Cover and Supplementary Gap Cover contributions that you were paying at the time of the life-changing event for a period of up to two years. This payment will also cover the contributions for the remaining lives on your Health Plan. You have the option to upgrade your Discovery Health Medical Scheme Plan to a Classic Comprehensive Plan level while the Comprehensive Premium Protector benefit is in payout, subject to normal medical scheme rules.
  • Home Support Benefit: Provides you with a monthly amount of R11 000 for up to 12 months if you or your spouse suffer a qualifying life-changing event. This amount can be used as you see fit.
  • Annual PayBack: By being a member of Vitality and Vitality Drive, you will receive an annual PayBack of up to 25% of the total premiums you paid over the calendar year, based on your Vitality and Vitality Drive status at the end of the year.

We will reward you for managing your health with Vitality

Get exclusive rewards for being healthy and managing your financial wellness. Benefit from upfront premium discounts and get up to 50% of your premiums back.

Recognised in South Africa and globally

Discovery Life Limited. Registration number 1966/003901/06, is a licensed life insurer, an authorised financial services and registered credit provider, NCR Reg No. NCRCP3555. Product rules, terms and conditions apply.
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