Product Overview Series – Trauma Cover

Product: Pays an amount should the member contract a traumatic illness or suffer a traumatic event.


  • Available until the earlier of the Normal Retirement Age and age 65
  • Accelerates the Group Life Cover (Capital Alliance, Hollard and Old Mutual) or is available as Standalone/Free-standing cover (Hollard and Sanlam)
  • Options available – Standard (Capital Alliance, Hollard, Sanlam and Old Mutual) and Comprehensive (Hollard and Sanlam)
  • Continuation of Trauma Cover during Disability – if option selected (Capital Alliance, Hollard, Old Mutual and Sanlam)
  • Can be converted to an Individual Life Policy (if option selected and criteria met)
  • Conversion option is available 5 years prior to benefit cessation age (Capital Alliance & Hollard), 10 years prior to benefit cessation age (Old Mutual) and up to age 60 (Sanlam)

Current Maximums:

  • Capital Alliance – 3 x annual salary or R3m
  • Hollard – 3 x annual salary or R3m
  • Sanlam – 3 x annual salary or R2.3m
  • Old Mutual – 3 x annual salary or R1.75m

Reinstatement Option, Survival Period and Pre-existing Condition Clause information will follow in next weeks issue.

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. 7 Issue 23)

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