Disability Cover

If you can never work again, FRANK pays.

  • Fuss-free application process with no paperwork or full medicals
  • Tax-free lump sum payouts of up to R3 million.

“It won’t happen to me.”

What if it did happen? If you were to become permanently disabled and could no longer work in your current field or one you’re trained or experienced in, how would you support yourself and your family financially? With Disability Cover from FRANK, you’ll get a tax-free lump sum payout of up to R3 million to help you to plan for the future.


Because there’s no way of knowing what expenses you could be facing, FRANK gives you a cash lump sum payout to use in any way that you see fit:

  • Pay for specialist care.
  • Pay bills not covered by your medical aid.
  • Pay for adaptations required for your home or vehicle.
  • Invest to secure future earnings.

The payout amount, or cover, you will qualify for is based on a number of factors, including your gender, age, smoking habits, income, education and how healthy you are at the time of application. Your monthly payments are tailor-made and calculated based on these factors and the cover you choose.


FRANK deems you to be disabled if you become permanently and totally unable to perform your usual job or any other career suited to your level of education, knowledge, training or experience. You will be covered and can make a disability claim, up to the age of 65.

To claim, medical proof of your disability is required and you need to meet the required criteria for your payout. If you self-harm or suffer from a self-inflicted injury that causes disability, you will not be covered. You will also not be covered for a disability that is caused by illegal activity or by putting yourself in a position where you are exposed to terrorism, war or war like activities. We recommend that you always seek professional medical assistance when necessary and follow medical advice.

Because there’s no way of knowing what expenses you could be facing…

Important Stuff


FRANK needs to know if you change jobs, start or stop smoking, take up a risky activity or sport or if you are planning be outside of South Africa for more than 30 consecutive days. It is important that you keep us updated on any of the above lifestyle changes.


For full cover, you will be required to go for an HIV test with one of our nurses. FRANK will pay for this test, we’ll even send a nurse to conveniently take your blood where and when it suits you. The test must be submitted to us within 90 days of the start of your contract. Your results are kept strictly confidential. The results of the test may affect your cover and your monthly payment.