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                Critical Illness Cover

                When it comes down to the wire, we’re here for you.

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                The secret to peace of mind? Just a little forethought.

                Your health is all that really matters.

                The greatest privilege of good health is taking it for granted. But an unexpected illness can quickly become all-consuming, taking a toll on your finances, family and happiness. With glu Critical Illness Cover, you’ll stand a better chance of turning a trial into a triumph.

                Why choose Critical Illness Cover from glu?

                Face adversity with confidence. Our affordable Critical Illness Cover is designed for specified critical illness events, paying a lump sum on the diagnosis of specific conditions, illnesses or diseases, injuries and treatments or interventions. Ensuring that we have you covered in times of need. You can choose whether you want cover up to the age of 65, or for your whole life. Then of course, there’s an important extra benefit: you also get Profit-Share.

                Children covered, too

                Your policy automatically includes cover for biological, legally adopted and step-children up to age 18; no need to add them.

                You can claim multiple times

                Your cover is reinstated for unrelated claim events, so you can claim again.

                Two benefit options available

                Choose between Severity-Based and Enhanced Payout.

                Easy to apply

                You’ll find we have simplified the medical requirements.

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                Explore the benefits of

                Profit-Share

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                Frequently Asked Questions

                • You can contact your trusted financial adviser. If you don’t have one, contact us and we’ll assist. For glu’s Critical Illness Cover, you must be under the age of 64 to select the whole of life cover, or under the age of 59 for the term to age 65 option. Minimum cover amount starts at R100 000.

                • You would be covered for a wide range of conditions including a heart attack or acute myocardial infarction, multiple types of cancer, muscular dystrophy, strokes, motor neuron disease, Parkinson’s disease, Alzheimer's disease, paralysis, organ transplants, musculoskeletal problems including loss of limbs, chronic renal failure, lung disease, gunshot wounds, burns and much more.

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                • Premiums are paid monthly by debit order and are due by the first day of each calendar month, for cover in that month.

                • You have a choice between level and age-rated premium patterns. Level pattern premiums (usually more expensive at the outset) remain unchanged for the same level of cover, for the full duration of the cover, regardless of the member’s age. Age-rated pattern premiums start off lower but increase annually with your age. In addition to your chosen premium pattern, to keep up with inflation, you can opt for Automatic Cover Increases which will be implemented separately.

                • The Severity-Based benefit pays a percentage between 25%, 50%, 75% and 100%, based on the severity of the underlying illness, whilst the Enhanced Payout benefit pays an enhanced percentage – which is 100% for most incidents.

                • You can claim either by contacting your trusted financial adviser, going through our online portal, or contacting us directly for assistance.

                • Annual Automatic Cover Increases can be added at either 3%, 5% or CPI (capped at 10%). There would be a corresponding increase in the premium to cover the cost of each cover escalation, with the additional premium being based on your age at that point.

                • Your child is covered for 10% of your Critical Illness Cover amount, or R250 000, whichever is less. If both parents have glu Critical Illness Cover, a child’s assured sum is then capped at a maximum of R500 000. It’s important to note that any pre-existing illness your child has at the time you take out the policy would be excluded from cover.

                • We never want you to have doubts about your decisions. There’s a 31-day cooling-off period during which you can cancel, and all premiums paid will be refunded, subject to not having claimed.

                • Absolutely. If you’re below the age of 60 and take out a life insurance product from glu, you automatically qualify for a Profit-Share policy. Profit-Share allocations are based on the premiums you pay, and good news: your ProfitShare will not be impacted by making a claim.

                • We hope it doesn’t happen, but the accessible portion of your Profit-Share policy will be available to you on the lapse or cancellation of your risk policy.

                • If you don’t let us know that you are having problems paying your premiums and they remain unpaid for 60 days, then your policy will lapse. But before that happens, we’re here to help.

                  Our Premium on Pause option enables you to temporarily stop paying premiums on the entire policy or on specific cover types for up to 3 calendar months – giving you the flexibility you need during temporary financial difficulties. Your policy remains active but, during this pause, your claims are not covered. Keep in mind that you can only ‘activate’ Premium on Pause once your cover has been active for 6 months and only once within a 5-year cycle.