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:


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:

* 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


  • 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)