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We understand that ensuring your child receives the best medical treatment money can buy is of critical importance to you.

A first in South Africa, and another innovation from Medway – AngelCover is a stand-alone insurance product that exclusively provides cover for chronic illness and dread disease in minors.

No parent wants to think about the possibility of their child falling critically ill. The reality is that the emotional trauma of managing a chronic or dread disease is often compounded by the financial stress of funding the treatment.

AngelCover pays out, on diagnosis, an immediate lump sum per child of R250 000. This substantial payout assists with the ongoing medical costs associated with dread disease treatment, giving you the best care available for your child.

But my children are already covered by our medical aid. Why do they need additional cover?

Those families fortunate enough to have private medical insurance are often still left with a substantial financial shortfall, and can even be left destitute in an effort to cover ongoing treatment costs. This is because medical aid plans may only cover costs associated with hospitalisation whereas the costs of appropriate treatment and care may be excluded.

For as little as R149 per month, AngelCover is designed to provide funds for treatments and procedures not covered by these plans, such as diagnostic scans, specialist consultations, chronic medication, treatment therapies and ongoing care.

Can you afford not to have it?

AngelCover offers the following option at an affordable monthly premium:
Pays out the total sum assured once per child for up to 4 children.

Cover OptionsSum AssuredPremium
AngelCoverR250 000R149pm


The listed sum assured values are paid out in the event of diagnosis of a child falling ill with any of the following conditions:

  • Cancer
  • Stroke
  • Heart Attack
  • Coronary Artery Bypass Graft
  • Aorta Graft Surgery
  • Major Organ Transplant (Including Heart, Liver, Lung, Pancreas or Bone Marrow)
  • Kidney Failure
  • Multiple Sclerosis
  • Blindness
  • Deafness
  • Heart Valve Replacement or Repair
  • Paralysis or Paraplegia (Non-accidental)
  • Third Degree Burns
  • HIV/AIDS (Needle-stick Injuries Only)

Cover excludes pre-existing conditions. Deafness and Paralysis resulting from accidental injury are excluded for newborns up to 24 months. No cover in respect of newborns before 90 days old. Any pre-existing conditions at 90 days old will be excluded from policy benefits.
This document is a summary of policy benefits. For complete terms and conditions, please refer to the policy wordings. In all cases, the policy wordings will prevail.