Why Choose Flexi Domestic Cover?

Get 3-in-1 protection that’s designed to make life easier for you and your domestic employees.

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I employ a domestic worker who is a

year old

Man Woman

who

Smokes doesn’t smoke

They

have haven’t

worked at least 1 day per week for me for the last 6 months.

My domestic worker is

Call me on

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3-in-1, super-flexible cover

Up to R2.5m life and disability, and R100k funeral cover in one easy policy.

No blood tests, no paperwork

Affordable premiums

Starting from as little as R49 per month.

Body repatriation

Available across South Africa and SADC (see details in the FAQs below)

Three great risk benefits, one simple policy

Life Cover

R50k to R200k cover (capped at 5X the employee’s annual salary)
Lump sum payout to nominated beneficiaries if employee dies
R3000 grocery benefit in addition to the lump sum payout

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Disability Cover

R50k to R400k cover (capped at 8X the employee’s annual salary)
Lump sum payout if the employee becomes totally, permanently and irreversibly disabled (see FAQ below for more)

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Funeral Cover

R15k to R50k cover
Paid within 48 hours of receiving claim documents
Covers employees, their spouse, and children u/21
Spouse and children u/21 stay covered for 6 months at no extra cost if the employee dies (must reside in SA)
Includes a body repatriation benefit (see FAQ below for more)

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How it works

Get a quick quote

No surprises—the price you see is the price you pay.

Complete your details

Fill everything out online or over the phone in just a few

Leave the rest to us

We’ll contact your employee to answer 3 simple health questions to confirm they qualify for standard cover, if they don’t we’ll check if you want to take accidental-only cover at a lower premium.

Buy now

How it works

Get a quick quote

No surprises—the price you see is the price you pay.

Your details

Fill everything out online or over the phone in just a few minutes.

Leave the rest to us

We’ll contact your employee to answer 3 simple health questions to confirm they qualify for standard cover; if they don’t we’ll check if you want to take accidental-only cover at a lower premium.

How it works

Get a quick quote

No surprises—the price you see is the price you pay.

Your details

Fill everything out online or over the phone in just a few minutes.

Leave the rest to us

Frequently asked questions

Why is life insurance important?

• Financial security: It replaces lost income, covering essentials like home loans, school fees, and daily living expenses to help the insured person’s family maintain their lifestyle.
• Debt relief: It settles outstanding debts, so the insured person’s family isn’t left with financial burdens.
• Peace of mind: Knowing their loved ones are looked after enables the insured person to enjoy life with less stress.
• Legacy planning: Leave an inheritance to your beneficiaries or support a cause you care about.

Why is disability cover important?

• Income replacement: Ensures the insured person receives an income if they can’t work, helping them maintain their lifestyle and meet their financial obligations.
• Medical expenses: Helps cover medical bills and rehabilitation costs, easing the financial burden on the insured person and their family.
• Long-term security: Gives the insured person peace of mind by securing their finances, allowing them to focus on recovery.
• Family protection: Safeguards the insured person’s family from financial hardship by providing an income when the insured person can’t do so.

Why is funeral cover important?

• Access to cash: Funerals are expensive, and funeral cover reduces the financial strain on the insured person’s family when the time comes
• Peace of mind: Knowing the funeral expenses are handled allows the insured person’s loved ones to grieve and focus on saying goodbye.
• Cover for family members: Individuals can take funeral cover for various family members who can’t afford to cover themselves, ensuring they get a diginified funeral.
• Quick payout: Funeral cover is typically pays out within 48 hours of a claim being lodged, which is crucial since funerals are typically held a short time after a death.

Who can get cover?

A lump sum is paid if the insured person has suffered total, permanent and irreversible disability. This can mean the loss of a body part, or the loss of the use of a body part. The incident which causes the disability must have occurred after the policy’s inception date.
There is a 6-month deferred period (time from when the disability started) before they are eligible for this benefit. This benefit only covers very specific injuries or illnesses. It doesn’t cover everything that could affect the insured person’s ability to work. The lump sum amount is calculated as follows:

• Both hands or both feet: 100% of cover
• One hand or one foot: 50% of cover
• One hand and one foot: 100% of cover
• Both eyes (permanent loss of vision): 100% of cover
• Speech loss: 100% of cover
• 3rd degree burns (>40% of body surface): 100% of cover
• 3rd degree burns (20-40% of body surface): 50% of cover

What’s included in the body repatriation benefit?

This benefit is offered as part of the funeral benefit and only covers the main insured life, their spouse, and children under 21 (only if they are covered under the funeral benefit). There is no benefit available for any other family members covered.
For all qualifying lives, the benefit provides for the repatriation of mortal remains within the borders of South Africa. For the main insured life ONLY, the benefit also includes the option of repatriation of the mortal remains to a Southern African Development Community (SADC) country.

RSA Services Included:
• Locating of the deceased
• Overnight accommodation for the next-of-kin in order to identify the body (up to R500)
• Referral to a pathologist if an autopsy is required
• Referral to a reputable undertaker
• Assistance with basic funeral arrangements
• Advice on how to apply for death certificate and border-crossing documentation
• Interpretation of legal documentation such as the funeral policy
• Referral to counselling services for support and advice
• The benefit is limited to services to the total value of R20,000 per policy, per policy year, regardless of how many lives are claimed for in that year

SADC Services (for main life only) Included:
• Storage of the body (for a maximum of 20 days)
• Embalming
• Casket with Zinc Liner for SADC air transport
• All documentation necessary, clearance and cargo fees
• Transport to ANY destination in all neighbouring countries by road namely Namibia, Botswana, Zimbabwe, Mozambique, Lesotho and Swaziland. With allowance for one family member to travel with the deceased free of charge
• Transport to the Capital ONLY of the remainder of SADC countries by air including Madagascar, Mauritius, Nigeria, Tanzania, Zambia, Malawi and Seychelles. No family member catered for on flights but assistance to book family on the same flights for their own account will be available
• The benefit is limited to R50,000 per policy
• These benefits are not exchangeable for cash.

The same limitations and exclusions that apply to claims on the main benefit also apply to the repatriation benefit.

Who pays the premium?

As the policyholder, you’re responsible for paying the monthly premiums.
The same limitations and exclusions that apply to claims on the main benefit also apply to the repatriation benefit.

Can I make changes to my policy?

Absolutely! You can adjust your cover amounts or update the beneficiaries or bank details whenever you like.

What if my employee fails the medical underwriting questions?

If your employee doesn’t pass the medical questions, they’ll get accidental-only cover, which means they’re protected for claims resulting from accidental causes only.

When can claims not be paid?

Unfortunately, no benefit can be paid if the death or injury is caused by one of the following

• Participation in any terrorist activity, riot, civil commotion, rebellion or war.
• Radioactivity or nuclear explosion.
• Wilful and material violation of any criminal law.
• Driving while the concentration of alcohol in your blood exceeds the legal limit.
• Intentional intake of drugs, narcotics or medication, unless prescribed by a registered medical practitioner and used as prescribed.
• For life cover: suicide or deliberate self-injury within 2 years of starting the policy.
• For funeral cover: suicide or deliberate self-injury within 2 year of starting the policy.
• For disability cover: attempted suicide or deliberate self-injury at any time.
• Refusal of treatment recommended by a registered medical practitioner
• Hazardous pursuits. These are unusually dangerous activities that the insured person engages in regularly, not occasionally. Examples include, but aren’t limited to: big game hunting, boxing, mixed martial arts, outdoor rock climbing, skydiving, motor and boat racing, as well as white water rafting.

What happens if my employee leaves?

If an employee leaves, you can contact us to cancel their policy. They can keep the cover in their personal capacity on similar terms if they like.

What if I can’t afford the increased premium?

No worries! Reach out to discuss options like reducing your cover amounts or removing benefits. Contact us via WhatsApp at 021 045 1513 or email admin@simply.co.za.

We’re simply better

“Thanks to your personal effort to get the claim processed in time the funeral could take place on Sunday. I would recommend Simply to any business that wants to take out funeral cover for its employees.”

Jacoline Meyer Pines Boerdery

“The transparency, simplicity and competitive pricing of the Simply products made it an easy choice for us in terms of who we went with for Life, Disability and Funeral cover for our people.”

HayleyGreat Yellow Brick Co

“Signing up for Simply Insurance has enabled us to demonstrate that we are committed to our staff, and also give them some peace of mind should some tragedy befall them.”

LaurenGreencycle

“Signing up with Simply was super-quick and easy and continues to be seamless.”

TshepisoLoyal1

“It was most helpful after the passing of my mother to have everything sorted out so quickly and efficiently.”

SimonePrivate Client

“We have all of our employees insured through Simply, and sadly, one of our employees passed away, and Simply Claims department was amazing, extremely helpful, and claimed paid out within days.”

ElaineAfriveyor

Simply Financial Services (Pty) Ltd is an authorised financial services provider (FSP 47146).

Hollard Life Assurance Company Limited (Reg No. 1993/001405/06), a Licensed Life Insurer and an authorised Financial Services Provider.