Domesticover
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Just R250 per month will provide your domestic worker with
valuable financial support in times of need

Medcare DomestiCover offers substantial benefits to domestic workers at an affordable premium and reduces the burden of responsibility on employers. DomestiCover ensures that your domestic worker is covered in the event of ill health, accidental injury or death, giving you and your entire household peace of mind.

Cover is provided for incidents anywhere, not just at your home

BENEFITS AT A GLANCE

BenefitSum AssuredBenefit Specifications
Bereavement coverR15 000 for adults R6 000 for childrenIn the event of the death of the life assured and/or the spouse only, there is a R2 000 payout for the use of a vehicle at the funeral. Also provides for the repatriation of the mortal remains up to R5 000 per insured person. Terms and conditions apply to all Value Benefits.
Trauma expensesR50 000Guarantees a fixed daily payment in the event of surgery in hospital due to accidental injury as follows: Day 1 - 3 (R3 000 per day) and day 4 (R2 000) and day 5 onward (R1000) per day.
Casualty Ward TreatmentR10 000Casualty Cover allows for R10 000 per family per annum for emergency treatment in the casualty ward of a hospital, in the event of accidental injury. This includes cover for children younger than 5 years of age who require emergency after-hour treatment in a casualty ward for illness.
Income Protector (Temporary Total Disability)R1 000 per weekCovers absenteeism as a result of both sickness and accident
Accidental Death & DisabilityR50 000 for Permanent Total Disability OR Accidental DeathThis includes a weekly sum payable to you in the event of temporary disability of an insured person due to an accident, as defined. This includes a weekly sum payable to you in the event of illness of an insured person, as defined.
Total monthly cost R250

Benefits in Detail

Bereavement Cover

  • A cash sum paid on the death of the life assured or the life assured’s family, aimed at covering funeral costs (R15 000 cover for the life assured and spouse and R4 000 for children)
  • In the event of the death of the life assured and/or the spouse only, there is a R2 000 payout for the use of a vehicle at the funeral
  • Also provides for the repatriation of the mortal remains up to R5 000 per insured person
  • Terms and conditions apply to all Value Benefits

Waiting periods:

  • No waiting period in the event of accidental death
  • 6 months in the event of death by natural causes and pre-existing conditions
  • 12 months in respect of death as a result of suicide

Trauma Expenses

  • Pays a daily stated benefit in the event of hospital admission due to accidental injury - to a maximum of R50 000 per Insured Person per annum.
  • Guarantees a fixed daily payment in the event of surgery in hospital due to accidental injury as follows: Day 1 - 3 (R3 000 per day) and day 4 (R2 000) and day 5 onward (R1000) per day.

Accidental Injury Cover – Casualty Ward

  • Casualty Cover allows for R10 000 per family per annum for emergency treatment in the casualty ward of a hospital, in the event of accidental injury.
  • This includes cover for children younger than 5 years of age who require emergency after-hour treatment in a casualty ward for illness.

Income Protector (Temporary Total Disability)

  • Provides a cash payout of R1 000 per week to the employer in the event of the employee’s absenteeism as a result of an accident or illness.
  • Cover for a maximum period of 52 weeks.

Accidental Death & Disability

  • Pays out a total of R50 000 in the event of either death or permanent disablement, due to an accident, as defined, per person per lifetime.
  • This includes a weekly sum payable to you in the event of temporary disability of an insured person due to an accident, as defined
  • This includes a weekly sum payable to you in the event of illness of an insured person, as defined