Illness benefits cover financial shortfalls that are not covered by your medical Aid. The proceeds can be used at your discretion. E.g. Medical procedures, surgery not covered by your medical aid, additional payments towards your home loan, recuperation costs or a holiday.
Permanent Disability Cover provides for your debt if you’ve suffered an injury or illness to the extent that you are unable to return to work and carry on daily work activities.
Income Disability benefits, also known as Income Protection benefits or Sickness and Incapacity cover, replaces your income in the event of an illness or disability that restricts you from carrying on your daily work activities
Income Protection provides for temporary and permanent disabilities by replacing your income until your desired age of retirement.