Protect your income

Your income is crucial to your financial security – even more so if you have a family to provide for.

This is why it's essential to have income protection to be ready for anything life throws your way. Discovery's life cover offers you the Income Continuation Benefit, which is invaluable because it offers you salary protection if you become severely ill, injured or disabled and are no longer able to perform the duties of your job.

The amount of your monthly payout depends on the percentage of your salary you choose to insure, as well as the severity of your illness or disability and the impact that it has on your ability to generate an income.

On temporary disability

You can receive up to 100% of your income (after tax) if you become temporarily disabled, for up to two years.

On permanent disability

If you become permanently disabled, your monthly benefit amount will be upgraded to 100% of your income (after tax) until your selected benefit expiry age. If you have insured less than 40% of your income, your benefit will be automatically upgraded to 2.5 times your insured amount.


Reasons to consider Discovery Life's Income Continuation Benefit

Benefit flexibility

Our Income Continuation Benefit allows you to choose how long you're covered for – until the age of 60, 65, 70 or for whole of life.

Cover for retrenchment

If you get retrenched, or if your business gets liquidated, we’ll pay up to 100% of your contributions and premiums for your Discovery products for up to six months.

Protection for daily travel

Our Transport Protector gives you access to Uber rides to the value of up to R5 000, for up to 60 days after becoming disabled.

Comprehensive lifestyle protection

If you become permanently disabled, you'll receive an additional payment equal to three times your average HealthyLiving cash back prior to becoming disabled, every month until your benefit expires.

Your insurance and retirement
savings are protected

The Contribution Protector covers up to 100% of your Discovery contributions and premiums if you become temporarily disabled.

Protection for your family

Our Family Protector provides you with 100% of your insured amount for up to six months if your spouse or children suffer a severe illness. You will also receive a payout of 100% if your spouse passes away. This allows you to take time off work to care for your family without losing income.

With Discovery Life’s Income Continuation Benefit you can enjoy peace of mind, knowing that your lifestyle is protected should you become disabled or severely ill.

Discovery Life Limited is a registered long-term insurer and an authorised financial services provider. Registration number 1966/003901/06.
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