Territorial Limitations – All Insurers

Territorial limitations refer to the geographical locations and time limits that may affect a member’s benefits. In this day and age of increased local and international travel, this is important information to be aware of.

We have prepared a summary for each insurer for ease of reference. For the nitty gritty on a particular situation, it’s always best to consult the insurer’s terms and conditions document or get in touch.

Capital Alliance

Capital Alliance will only cover death or disability resulting from or arising out of any illness, accident or injury sustained or contracted by a member while:

  • Domiciled in the Republic of South Africa, Swaziland, Botswana, Namibia, Mozambique and Lesotho.
  • Members will be covered on worldwide business or holiday trips not exceeding 12 months consecutively.


Hollard will continue to cover a member who temporarily leaves the SADC region for work or holiday, but only if all five of the following conditions are met:

  • The member and the employer intend the absence to be temporary.
  • The employer gives written approval for the member temporarily leaving the SADC* region.
  • The absence must not be longer than 12 months.
  • The employer must continue to pay the member’s salary.
  • All premiums must continue to be paid on behalf of the member.

* SADC Region: The Southern African Development Community comprising Angola, Botswana, Democratic Republic of Congo, Lesotho, Madagascar, Malawi, Mauritius, Mozambique, Namibia, Seychelles, the Republic of South Africa, Swaziland, Tanzania, Zambia and Zimbabwe.

Old Mutual

  • Cover is automatically extended to the following countries for an unlimited period: Australia, Botswana, Canada, Germany, Ireland, Italy, Lesotho, Mozambique, Namibia, Netherlands, New Zealand, Poland, Portugal, South Africa, Spain, Swaziland, Switzerland, United Kingdom, United States of America.
  • Where more than 30% of the scheme (as measured by Insured Amount) is based outside of the local country, Old Mutual will have the right to apply additional terms and conditions.
  • For countries not mentioned, cover is limited to a maximum of 90 consecutive days after which cover will lapse.


  • A maximum of 10% of the members of a scheme/fund may work outside South Africa. Should this number exceed 10%, the actual number of such members must first be advised to Sanlam for approval.
  • These members should remain on the local payroll.
  • Their cover and premiums will continue for a maximum period of 6 months from the date on which the member started working, for an uninterrupted period, outside South Africa.
  • If it is required that cover be continued after 6 months, Sanlam must be advised and will confirm new conditions, if any, for the extension of the cover.

Should you require more information, please contact your Associate or the office on 031 561 1044.

Thank you and regards,
The TSA Team

You’ll find all back issues of TSA Connect by visiting our blog.

All information provided is intended to inform and explain, but please remember to always check the current terms on policies when considering options and advising clients.

(Vol. 6 Issue 17)

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