​Glacier Topcover Critical Illness Cover

Excellent critical illness cover at attractive rates with the flexibility to add to your benefits.

Having a serious disease can have a significant impact on your lifestyle and the treatment can be expensive. This cover relieves the financial burden on you and your family. The level of cover you need depends on your personal needs and circumstances. We recommend that you speak to a financial planner to help you select the most appropriate cover.


Cover additional medical expenses not covered by your medical aid and provide for unplanned expenses associated with adapting your lifestyle.

How it works

You make monthly contributions until you are diagnosed with one of the insured diseases. When diagnosed you receive a lump sum payment. We pay 100% of the cover amount for the least to most severe levels of cancer, heart attacks, stroke and coronary artery bypass grafts.

How much you will pay

The cost of the insurance will depend on your age and your risk profile when you take out the policy.

Why it’s important to have the right insurance

Your critical illness cover should enable you and your family to maintain your lifestyle, despite extra expenses associated with your illness. If you don't have sufficient cover, you won't have enough money to pay your expenses, which will lead to financial strain. You also shouldn't pay for cover you don't need. That is why it is important to speak to a financial planner before you make a decision about your insurance cover.

How much personal cover do you need?

Discussing the following questions with your financial planner can help determine the amount of personal cover you need.

  • Your lifestyle:
    • How many people are dependent on you for support and care?
    • Does anyone in your family have special needs?
    • Could your parents become dependent on you for support?
  • Your financial circumstances:
    • Does your spouse earn an income? Is this income enough to sustain your lifestyle if you cannot contribute?
    • How much outstanding debt do you have?
    • Will your children be able to get an education if you don’t earn an income?