​Glacier Topcover Disability Cover

Excellent disability insurance at attractive rates with the flexibility to add to your benefits.

Serious illness or injury can prevent you from working. Disability cover helps cover your expenses despite a permanent loss of income. 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.


Protect and maintain your standard of living when you can no longer earn an income by covering your necessary expenses, including:

  • your Family's basic living expenses
  • Expenses related to adjusting your home and car to support your disability

How it works

You make monthly contributions until you become disabled, or until you reach retirement age. When you become disabled, you receive a tax-free lump sum payment.

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 disability cover should enable you and your family to maintain your lifestyle, despite the loss of your income. If you don't have sufficient cover, you won't have enough money to pay your expenses, which will lead to financial strain.

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? If yes, 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?