Regrettably one in four persons in South Africa and amazingly the statistic is the same for almost every other country will suffer from some sort of dread disease. Serious diseases usually strike without any warning - whether you suffer a heart attack, fall victim to cancer, need an organ transplant, or lose your eyesight or hearing. You may not necessarily be medically unable to continue working, and therefore you may not be able to claim disability cover. And it is exactly at times such as these that you will need extra cash - and dread disease cover can generate that cash.

What expenses should you provide for?
Your medical scheme may not cover all the costs. You will therefore need money to pay additional medical accounts.

It may benefit you to remain in bed for longer, rather than slowing down your recovery by returning to work too soon. Your savings account will possibly not be sufficient to carry you financially until you make a full recovery.
Any additional medical costs.
Treatment in a recuperation clinic.
Professional medical care at home.
Your basic expenses, such a home loan or car payments.
Childcare.
Long leave to convalesce.
You will receive a full or partial lump sum payment of the amount insured, should you be diagnosed with any of the following: 

• Cancer
• Heart attack
• Stroke
• Blindness
• An organ transplant
• Chronic kidney failure
• Bypass operation and angioplasty
• Rheumatoid arthritis
• Multiple sclerosis
• Parkinson's Disease
• Loss of use of a limb due to medical causes
• Benign brain tumour presenting malignantly
• Lung embolism
• Total deafness
• Accidental full blown Aids
• Alzheimer's Disease