Accidental Death Cover

What is Accidental Death Cover?

Accidental Death Cover provides high levels of cover at low premiums to specifically cover accidental death risks. This policy can be considered a valuable top up to existing life cover or as standalone cover against the specific risks of accidental or violent death.

Accidental Death Cover provides high levels of cover at low premiums to specifically cover these risks. This policy is considered as a valuable top up to existing life cover or as stand alone cover against the risks of accidental or violent death as is most prevalent for individuals 25 – 40 years old.

Why do I need Accidental Death Cover?

The true risk of accidental death is often underestimated. The most significant causes of accidental death are those caused by road accident, poisoning, falling from bed or stairs, gunshot, stabbing, suffocation, blunt object strike and drowning.

How much does it cost?

Payout Amount Monthly Premium
R730 000 R218
R1 462 000 R264
R2 913 000 R380
R4 351 000 R495
R5 799 000 R581
R7 317 000 R673

Premiums are valid for 2019. Prices to increase 1 Feb 2020.

Frequently Asked Questions


The policy is underwritten by Guardrisk Life Limited. FSP 76.


All South African residents between the ages of 18-60 qualify for this cover.

There are no medicals or medical questionnaires and cover is guaranteed.

The policy does have general exclusions e.g. claims resulting from suicide, intentional self-inflected injury, participation in acts of war or crime etc. A full list of these exclusions can be found in the policy document.

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Comprehensive Accidental Protection – covers you and your family in the event of accidental death.