Despite your best efforts to live a thought out and planned life, you are likely to encounter unforeseen events and circumstances. Unlimited insurance offers products that can help you manage such events and circumstances while giving you peace if mind.
Unlimited has been in operation from 1994 and has since grown to provide covers for more than 3 million people. It has partnered with Santam Insurance, Centroniq Insurance and Cell C to provide insurance covers in five packages. These packages are:
- Death Cover
- Accident Cover
- Scratch & Dent
- Cellular Cover, and
- Legal Cover.
Death Cover
Plan 1 – R60 monthly
This first plan’s monthly payment has a premium of R11.42 included within the total cost. It provides:
- A R20,000 pay out to your family in the event of your death, unless the cause of death is a Existing condition. The pay out has a 6 month waiting period for natural deaths. In the event that the policyholder dies of natural causes during the waiting period, no claims can be made.
- Medical experts will be available on call to give you medical advice from the time you make the first payment.
- An option to add a maximum 3 additional dependents or even a maximum 5 children. Both options will add onto your monthly premium for this tier.
Plan 2 – R100 monthly
This plan includes a premium of R15.10. It provides:
- In the event of your death, a R20,000 pay out to your family. With the exception of death by a Existing condition. The pay out has a 6 month waiting period for natural deaths. In the event that the policyholder dies of natural causes during the waiting period, no claims can be made.
- Medical experts available on call to give you medical advice from the time you make the first payment.
- In case of an accident, a maximum pay out of R100,000. R1,000 per day from the first day you are in hospital up to 100 days.
- An option to add a partner at no extra cost.
- An option to add a maximum 5 children under the age of 21 at additional costs.
- An option to add 3 additional dependents by paying extra costs every month for each additional dependent.
Plan 3 – R100 monthly
This plan includes a premium of R20.20. The plan comprises:
- A R20,000 pay out in the event of death, but a R40,000 pay it in the event of accidental death. This cover has a 12 month waiting period for natural death and does not include death from existing conditions.
- A cover up to R40,000 for both you and your partner at no additional cost.
- A cover up to R16,000 for added children up to 5 in number.
- A cover up to R40,000 for additional dependents, who should not be more than 3, at an extra cost for each dependent each month.
- R100 airtime from Unlimited each month. The airtime is loaded onto an Unlimited SIM card which you can sign up for on their website for free.
- Double the data and the airtime you buy on the Unlimited SIM using the Unlimited app which is available on play store, Apple store or Huawei app gallery. This feature has no expiry. Download links are available at the bottom on the Unlimited website.
Plan 4 – R140 monthly
This fourth plan has an included premium of R58.58. It comprises:
- A R25,000 pay it to your family in case you pass away, or get injured from an accident. Claims can be made for death by accident or injury from an accident after the first successful debit. However, natural death has a 12 month waiting period. Death caused by existing conditions is not covered.
- A R3,000 daily pay out for a maximum 15 days (R45,000) in case of an accident that leads to hospitalization. Pay out starts from the first day of hospitalization.
- In case of your death, all the monthly payments you’ve made towards your policy will be given to your family.
- Legal advice provided on phone call.
- An allowance to add your partner and children not surpassing 5 in number at no extra cost.
- An allowance to add 5 children or less with 3 additional dependents or less for an additional cost for each added dependent each month.
Plan 5 – R180 monthly
This plan has an included premium of R50.45 each month. It contains:
- A pay out of R40,000 in the event of your death. It is R80,000 if you die in an accident. Natural death, however, is only covered after 12 successful payments. Death caused by existing conditions is not covered.
- You get R1,500 per day for 100 days (totaling 150,000) from the first day you are hospitalized following an accident.
- In case of your death, all the monthly payments you’ve made towards your policy will be given to your family.
- Double data and double airtime you buy on the Unlimited SIM.
- An allowance to add 5 children or less with 3 additional dependents or less for an additional cost for each added dependent each month.
Accident Cover
Plan 1 – Free
This plan comes with:
- A R1,000 daily cash payment if you get hospitalized following an accident (totaling R100,000).
- Double data and double airtime you buy on the Unlimited SIM card.
Plan 2 – R60 monthly
This plan has an included premium of R4.07. The plan provides:
- A R1,000 daily cash payment for 100 days if you get hospitalized following an accident (totaling R100,000).
- Medical experts will be available on call 24/7 to give you medical advice from the time you make the first payment.
- An allowance to add 5 children or less with 3 additional dependents or less for an additional cost for each added dependent each month.
Plan 3 – R79.99 monthly
This plan includes a premium of R9.7. It contains:
- A R10,000 cover of any families member dies due to an accident, but not an illness. There’s a 12 month waiting period for natural death. Death due to existing conditions is not covered.
- A R1,000 daily pay out for a maximum of 25 days for every covered family member who is hospitalized due to an accident. You get starting from the day the family member is hospitalized.
- Ambulance and helicopter emergency rescue services from the first payment you make.
- Medical experts will be available on call 24/7 to give you medical advice from the time you make the first payment.
- A maximum R10,000 cover for your partner at no additional cost.
- An allowance to add your partner and children not surpassing 5 in number at no extra cost.
Plan 4 – R99.99 monthly
This plan has an included a monthly premium of R14.85. It contains:
- A R10,000 cover of you or your partner dies due to an accident, but an illness. Claims for death by natural causes can only be made after 12 successful payments. Death due to existing conditions is not covered.
- A R1,000 daily cash payment for 100 days if you get hospitalized following an accident (totaling R100,000).
- Ambulance and helicopter emergency rescue services from the first payment you make.
- In case of your death, all the monthly payments you’ve made towards your policy will be given to your family.
- A cover for both you and your partner.
- An allowance to add 5 children or less with 3 additional dependents or less for an additional cost for each added dependent each month.
Plan 5 – R99.99 monthly
The fifth plan has an included a monthly premium of R17.49. It contains:
- A R10,000 cover of you or your partner dies due to an accident, but an illness. Claims for death by natural causes can only be made after 12 successful payments. Death due to existing conditions is not covered.
- A R1,000 daily cash payment for 100 days if you get hospitalized following an accident (totaling R100,000).
- Ambulance and helicopter emergency rescue services from the first payment you make.
- In case of your death, all the monthly payments you’ve made towards your policy will be given to your family.
- An additional cover of up to R10,000 for you and your partner at no additional cost.
- An option to add a maximum of 5 children at no additional cost.
Scratch & Dent Cover
Plan 1 – R105 monthly
This plan provides:
- A R2,000 pay out every 3 months to fix scratches and slight dents.
- A claim for the first R2,000 to repair existing damage.
- Interior repairs, restoration and maintenance using the R2,000. Although, there are limitations to the interior damage that is covered.
- A fix your rims and mags using the R2,000 with the exclusion of buckled, cracked or broken rims and mags.
Plan 2 – R188 monthly
This plan consists of:
- A R4,000 pay out every 3 months to fix scratches and slight dents. Body panels and replacement parts are not covered.
- A claim for the R4,000 after the second successful payment to repair existing damage.
- Interior repairs, restoration and maintenance using the R4,000. Although, there are limitations to the interior damage that is covered.
- A fix your rims and mags using the R4,000 with the exclusion of buckled, cracked or broken rims and mags.
Cellular Cover
Plan 1 – starting from R69.99 monthly
This plan has an included premium of R2.61. It provides:
- Phone repair for a cracked screen or liquid damage anytime from the first successful payment. Everything you claim, you have to make a contributing payment in order to get the repair done. If you make a claim within the first 60 days you will have to contribute R300.
- Alert friends and family in case of an emergency by using the Unlimited Alert app or by calling 0861 990 000 24/7.
- A timer that automatically alerts your friends and family when you are done with an event. This service is accessed through the Unlimited Alert app or by calling 0861 990 000 25/7.
- A way to alert the closest emergency services near you through the Unlimited Alert app or by calling 0861 990 000 24/7.
Plan 2 – R160 per month
This service includes a premium of R38.87. It provides:
- A pay out of R40,000 for death to you or your partner. There is a 12 month waiting period for natural deaths. Existing conditions are not covered.
- A cash pay out of R1,500 per day for a maximum 100 days (totaling 150,000) in case you or your partner gets hospitalized due to an accidental.
- Double data and double airtime you buy on the Unlimited SIM.
- A choice of either R100 or 300Mbs loaded in to your Unlimited SIM card.
- A cover for both you and your partner at no additional cost.
- An allowance to add 5 children (below 21 years old) or less with 3 additional dependents or less for an additional cost for each added dependent each month.
Plan 3 – R220 monthly
This plan includes a monthly premium of R73.29. It provides:
- A maximum pay out of R40,000 for death to any adult family member. The maximum pay out is R16,000 for children. There is a 12 month waiting period for natural deaths. Existing conditions are not covered.
- A cash pay out of R1,500 per day for a maximum 100 days (totaling 150,000) in case you or your partner gets hospitalized due to an accidental.
- A choice of either R100 or 300Mbs loaded in to your Unlimited SIM card.
- Double data and double airtime you buy on the Unlimited SIM.
- An option to add a maximum of 3 dependents at an additional cost each month.
Legal Cover
Legal Cover has only one plan that costs R73 per month that has an included premium of R6.90 power month. The cover simplifies of:
- A cover for legal representation in court to a maximum of R40,000 for each case. It includes face to face consultation fees. After your first successful debit, you have access to most of the benefits in this cover. After your second, you have access to face to face consultation. Then after 12 successful debits, uncontested divorce cases. Any legal matter which comes up before the waiting period is over will not be covered. Additionally, only legal matters that relate to private matters will be covered.
- Professional legal assistance through the insurer’s legal helpline that provides bail assistance.
- A legal cover for you, your family and a maximum of 5 children under 21 years old under Legal Edge.
Please Note:
You should note that all the plans in this article were sourced from the Unlimited official website and were labelled “Now” and “Now Only.” The plans outlined in this article were posted around the period this article was written. Only use them as a guide to Unlimited Insurance.
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