Protect your income

Immediate upgrade to 100%

If you become permanently disabled on the Comprehensive option, your benefit amount will be upgraded to 100% of your income (after tax). If less than 40% of your income is selected as your insured amount, you will receive an automatic upgrade of 2.5 times your insured amount. On the Essential option, your insured amount will be boosted by 1.33 times if you become permanently disabled and unable to perform your nominated occupation.

Protect your annual bonuses

In recognition that many people earn a substantial portion of their income through annual bonuses, for an additional premium on the Comprehensive option, you can also select to protect your annual bonuses for up to five years upon experiencing a qualifying permanent disability through the Performance Bonus Protector.

Automatic lifestyle protection

A variety of benefits that cover all aspects of your lifestyle:

• Automatic cover for your other qualifying Discovery product premiums through the Contribution Protector
• Protection for your entire family through the Family Protector Benefit
• A four-month waiver on your qualifying Discovery Life Plan premiums after childbirth through the Maternity Premium Waiver Benefit.

Convert your health into additional income in retirement

The Income Continuation Fund converts your health and wellness management through the Vitality programme before retirement, into a significant financial asset after retirement that can be used to supplement your retirement income.