AFRICAN INSURANCE AND RISK MANAGEMENT

Health & Life

Health & Life Insurance solutions for protection at an individual and group level

Products under this offering include Healthcare, Key Person Cover, Personal Life, Disability and Dread Disease Cover, and Personal Liability Cover.

Together we are stronger

African Risk Transfer and JW Seagon have joined forces to provide their clients with a robust and varied health and life insurance offering.

Whether it is Health Insurance or Life Insurance we are aware that every person and every business is unique, and will have specific insurance requirements. Our experienced insurance consultants will work closely with you to learn more about your situation and your insurance needs.

Once we have the information we need, we can go out into the market and find the best solution for you.

Submit your info below to
speak to an experienced insurance consultant.

    Personal Insurance

    African Risk Transfer Personal Life and Disability Insurance Cover

    Personal Liability Cover

    Businesses incur debt and shareholders generally must sign joint and/or several sureties for the debts incurred. Personal Liability insurance provides cover for any sureties that have been signed by business stakeholders in the event of their death or disability.

    This cover protects the business and the estate from creditors by settling the debt, and allowing the business to continue to operate without the burden of potentially catastrophic debt.

    African Risk Transfer Personal Liability Insurance Cover

    Personal Life & Disability Cover

    Personal Life insurance and Disability insurance provides the funding needed to support your family if you are unable to continue working due to illness or injury. It also ensures that major debt items such as home loans and estate duty do not cripple you and your dependents financially.

    Ensuring your family’s future welfare is essential in every home. This Personal Life and Disability insurance plan is the most cost-effective way, especially for those who don’t work at large firms. Anything in life can happen, whether it be death, terminal illness, or critical illness. With this cover, your family is paid out a lump sum after the incident. Disability cover is calculated based on dependents’ needs.

    Health Insurance

    For most people being in good health is a top priority. When it comes to your health you can’t predict what’s around the corner – but you can make sure you are protected when the unexpected happens.

    Regardless of which healthcare plan we recommend, you can rest easy knowing that you can have:

    • ​Prompt access to medical treatment
    • Reassurance that treatment costs will be met
    • Access to high quality private medical facilities
    • A choice of doctor, hospital and time of appointment
    • Support to navigate the healthcare system
    • The choice to be evacuated when the right facilities are not available locally
    • Annual reviews to ensure your cover is current and relevant to you.

    Life Insurance

    Life Insurance is one of the most important products that we offer, as it helps you to safeguard your family’s finances in the event of death.

    There are a number of ways that life insurance can protect your family and with a wide range of different policy and payment options it is important we fully understand your needs before making the best recommendation for you.

    Business Insurance

    Health Insurance

    For most people being in good health is a top priority. When it comes to your health you can’t predict what’s around the corner – but you can make sure you are protected when the unexpected happens.

    Regardless of which healthcare plan we recommend, you can rest easy knowing that you can have:

    • ​Prompt access to medical treatment
    • Reassurance that treatment costs will be met
    • Access to high quality private medical facilities
    • A choice of doctor, hospital and time of appointment
    • Support to navigate the healthcare system
    • The choice to be evacuated when the right facilities are not available locally
    • Annual reviews to ensure your cover is current and relevant to you.

    Life Insurance

    Group Life Insurance

    Group Life Insurance provides each employee with their own life insurance policy, ensuring that in the event of their death their family and loved ones are taken care of financially.

    A key advantage of group life insurance for businesses is that the group members can get coverage at a lower rate than if they bought an individual policy. It is a highly valued benefit that helps reward and motivate staff, thus improving productivity and staff retention.

    Key Person Insurance

    Key Person Insurance is life insurance that a company purchases as protection against the death of an employee whose contribution to the business is critical. Fundamentally, it ensures that business can continue uninterrupted and that all the employees who depend on the business have a secure future.

    African Risk Transfer, Aloe Healthcare and International Assurance offer an offshore Life, Pensions/Saving and Healthcare Plan. This provides a cost-effective solution for employees and individuals working across Africa. The flexible savings scheme allows for an unlimited range of investment choices, which can be managed by investors, professional advisors or default to risk profiled funds.

    If you are a policy holder, or wish to find out more about the plan, please use the appropriate contact number below.

    Sales & Support
    +27 87 095 2842 (SA)

    Emergency Assistance
    +27 10 007 0230

    Claims & Account Queries
    +27 87 905 2842

    Email us at
    info@africanrisktransfer.com