Stangen Disability Cover

Financial stability

Stangen Disability Cover will provide a single payout in full if you are totally and permanently unable to perform your insured occupation (and any similar occupation to which you are suited by skill, education and training) due to a disability through illness or injury.


Up to R10 million Cover

Customize your cover to suit you and the needs of your loved ones.

No Waiting Period

Our Disability Cover has no waiting period allowing you to get the cover you need when you need it.

No Medical Exams

We strive to provide quality products that put our clients first and save them time; there are no medical exams required to qualify for Disability Cover. Note that pre-existing conditions are not covered.

Cover Your Medical Bills

Our products help cover your responsibilities while you focus on getting better.

What can my Disability Cover be used for?

It’s your choice how you spend the money. You can use it to:

  • Settle family debts or other outstanding money that you owe.
  • Pay for medical bills, school fees and more.
  • Adjust your lifestyle to accommodate the disability.
  • Provide an investment income for recurring expenses such as medical expenses or living costs.

What does my Disability Cover not cover?

  • If you are injured while actively participating in war, civil commotion, insurrection, riot, usurpation of power, terrorism or acts of terrorism.
  • If you are disabled because of an intentional or grossly negligent self-inflicted injury.
  • If you fail to follow reasonable medical advice to prevent, minimise or repair the disability.
  • If you are disabled due to excessive consumption of alcohol, intentional inhalation of fumes or intentional or negligent consumption of: poisons, drugs, narcotics or medication (unless prescribed by an independent medical practitioner and used as prescribed).
  • Certain specific exclusions (which will be very clearly communicated during the process of  buying a policy) based on your health or your lifestyle.

How much Disability Cover can I buy?

Depending on your income, you can qualify for Disability Cover of between R100 000 and R10 million.

When does my Disability Cover expire?

Disability Cover expires when you turn 65, retire or die, whichever occurs first.

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A responsible action today can make a big difference to the future of the people you care about. Your family are the people you care about, that’s why you take responsibility for them. Taking care of their future means making wise financial decisions today.

How to claim

We make claiming easy. All you need to do is send us the documents we need, or phone us for help.

Submit a claim


We want to know if you haven’t had the best service, because it will help us be better in the future.

Submit a complaint

Terms and Conditions

Everything you need to know is clearly indicated in your policy documents and in our Terms and Conditions.

Learn more