Your ability to earn an income; to perform your nominated occupation is in our view your greatest asset. It does make sense to protect your income you earn from your occupation.
When you get sick, or you have an accident that prevents you from working you have two phases of Disability. They are a Temporarily incapacity and Permanent incapacity.
In both phases by far the most effective way of insuring yourself is what the industry call INCOME PROTECTION. This is where you receive a MONTHLY INCOME.
CAPITAL DISSABILITY is where you receive a LUMP SUM, normally at the PERMANENT DISSABLITY PHASE.
HEALTH INSURANCE covers two aspects, MEDICAL AID health insurance and CRITICAL ILLNESS INSURANCE.