- Permanent total disability- if an employee is permanently disabled, a proportion of his salary will be paid in monthly equal installments over a specified period e.g. 5 years. The purpose is to protect the insured (employee) against loss of income as a result of illness or injury.
- Last Expense – this is an amount that is paid in case a member dies to cater for funeral expenses. The amount should be paid within 48 hours on receipt of notification of death.
- Critical illness rider – paid out in the event a member is diagnosed with an ailment considered critical as per the policy definition
- Total and permanent disability – lump sum benefit paid in case a member is totally and permanently disabled
