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A serious accident can result in major expenses for your family

This is an accidental death and disability insurance cover that will pay out a tax-free cash sum to your family and an annual payout every January for three years.

 

To help families manage a total benefit of up to R1 million  is paid out in four stages. The first cash payment is made immediately, followed by three annual payments which will be paid in January each year. The start of a new year always brings new expenses such as school fees, deposits and other large family expenses that need to be paid, and how stressful this time of year is after the December holiday season.

 

From R76.50 a month, you can be covered for accidental death or permanent disability for up to R1 million, thereby ensuring your family is taken care of.

This summary represents highlights of the AIG Family Protection Plan. Please refer to the policy wording for exact terms and conditions.

  1. Cover for accidental death and permanent disability. 
  2. From as little as R76.50 per month. 
  3. Cover available from R200,000 to R1 million. 
  4. Immediate lump sum followed by 3 annual payments in January each year.
  5. No medical questions asked.
  6. No medical tests required.
  7. Tax-free cash pay-out.
  8. You are covered for accidents – anywhere in the world.

 

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  Immediate lumpsum payout Annual payment for 3 years Individual Monthly Premium

R200,000

R100,000 R33,333 R76.50

R450,000

R225,000 R75,000 R150.50

R750,000

R375,000 R125,000 R256.50

R1 million

R500,000 R166,667 R342

**Premiums include an admin fee of R8.50. Pricing to cover your whole family is also available.

Product benefits

The AIG Family Protection Plan ensures your family is taken care of in the unforeseeable event of an accidental death or disability, and offers comprehensive personal accident cover.

 

Benefits

  1. Peace of mind that you are covered for accidental death and permanent disability. 
  2. From as little as R76.50 per month for individual cover of R200,000.
  3. Flexible options available. Cover is available from R200,000 to R1 million. 
  4. An immediate lump sum payment followed by three annual payments in January each year.
  5. No medical questions asked.
  6. No medical tests required.
  7. Tax-free cash pay-out.
  8. Up to five children can be covered.
  9. You are covered for accidents – anywhere in the world, for the first 90 days of your trip.
  10. Payout is made regardless of what other insurance you have in place.
  11. If you die or are disabled because of a crime, your family can receive an additional R100,000 lump sum for an additional R20 per month.

FAQ

AIG offers a Family Protection Plan that covers against the unforeseen circumstances of accidental death or disability. Read our family protection insurance questions for more on what this plan offers and how the AIG Family Protection Plan can give you peace of mind.

The AIG Family Protection Plan is available for anyone between the ages of 18 and 75 years.

The AIG Family Protection Plan has various options available to suit your needs. You can get cover for yourself, or for your whole family, which covers you, your spouse and up to five children.

The AIG Family Protection Plan is cover for accidental death and accidental permanent disability and does not cover natural death or illness related disability.

The AIG Family Protection Plan covers accidental death and permanent disability.  On receipt of the required documentation, AIG will pay you an immediate lump sum following an insured incident and then three annual payments in January thereafter.

To claim from the AIG Family Protection Plan, simply call us on 0860-113-522.  You will be requested to complete a claim form and provide proof of death or disability.

Cover for the AIG Family Protection Plan will cease at age 85. Also the date we pay the maximum benefit

 
 

The AIG Family Protection Plan will not cover death and disability due to Chronic Illness. The policy only covers accidental death or disability

With the AIG Family Protection Plan there are no medical questions or tests required. No HIV test is required.

Your premium is determined by the level of cover you select as well as whether you choose to cover your family or not.

Up to five children can be covered

With the AIG Family Protection Plan there are no medical questions or tests required.

Your benefit level is determined by whether you choose to cover your family or not.

We will require a claim form as well as proof of death or disability

To claim from the AIG Family Protection Plan, simply call us on 0860-113-522.  You will be requested to complete a claim form and provide proof of death or disability.

At AIG we understand that lifestyles and needs change over time.  Contact our service centre on 0860-112-077 and we will assist you in finding the right cover to suit your needs.

To claim from the AIG Family Protection Plan, simply call us on 0860-113-522.

With the AIG Family Protection Plan, your cover starts as soon as we receive your first premium

We will need to get a medical certificate from the doctor confirming that your husband is, notwithstanding his inability to speak, otherwise of sound mind and remains capable of making informed decisions.

Your husband must then provide us with a letter confirming that he is willing to take up the policy and that he agrees that you, his wife, will intermediate between the company and himself on the terms and conditions applicable.

The amount payable in respect of Death of Children will be limited to R10,000.

For Disability children who are covered by the policy will receive 25% of the benefit.

Accidental death or disability will not be covered in the following circumstances 

  • Being on active duty or in training for a government or private organization as a soldier, police, traffic or security office or reservist.
  • Accidental death from an event you took part in will not be covered should you have more than the legal limit of alcohol in your blood;
  • Children who are 18 years and over and are not registered as full time students will not be covered for accidental death; 
  • Death by suicide will not be covered; 
  • Accidental death when working underground will not be covered;

The Permanent Total Disability cover will not be payable should the insured person not be employed at the date of the accident. Full details will be made available in the policy wording.

Only one Spouse will be eligible for cover under the AIG Family Protection Plan.  Should you have more than one spouse, you will need to select the spouse eligible for cover. Spouse means the husband, wife or any de facto partner with whom you have permanently and continuously lived in the same household in a relationship which is not casual or impermanent and as if he or she were your lawful spouse.

Child/Children means: 

  • any natural children,
  • lawfully adopted children,
  • step children by marriage, 
  • foster children who have in terms of the provisions of any legislation relative to the protection of children been placed in the custody of the Policyholder as foster children,  or any children who are living with the Policyholder in the same household in a relationship which is not casual or impermanent and as if they were the lawful children of the policyholder, who are over the ages of 6 months and under 18 years of age (or under 25 years of age  and are full-time students at an accredited institution for higher learning, not pregnant, unmarried and primarily dependent on You for maintenance and support.

Yes, lawfully adopted children can be covered.

We will require your spouse’s full name, surname and identity number.

You can nominate any beneficiary you wish as long as they are a South African resident.

The AIG Family Protection Plan is not a funeral plan.  It covers accidental death and disability and the benefit is paid out in cash. This means that you can use the money for whatever you or your family need, be it life’s daily necessities or school fees.

You or your nominated beneficiaries will be paid out a lump sum immediately following the accident.  This will be followed by 3 annual payments in January thereafter.

If you die or are disabled as a result of a crime, your Family can receive an additional R100,000 lump sum for only an additional R20 per month.

Exclusions

Our Family Protection Plan is highly comprehensive and is guaranteed to provide for your family in unforeseen circumstances such as accidental death and disability.

 

The policy will however not cover you in the following instances:

  • Natural death, illness-related disability or chronic illness is not covered. 
  • Being on active duty or in training for a government or private organization as a soldier, police, traffic, security officer or as a reservist.
  • Accidental death will not be covered should you have more than the legal limit of alcohol in your blood. Children who are 18 years and over, and are not registered as fulltime students will not be covered for accidental death.
  • Death by suicide will not be covered.
  • Accidental death when working underground will not be covered.
  • The Permanent Total Disability cover will not be payable should the insured person not be employed at the date of the accident.

*TERMS & CONDITIONS APPLY.

POLICY WORDING IS AVAILABLE ON REQUEST.