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Clientele

When is an investment a security? Almost never, except for the Clientele group. One of the leading long-term insurance and financial services group in the country, Clientele has seen an increase in Returns on Shareholder Equity over the last 18 years leading them to boast the opening statement. They have seen their life offices in the country grow along with their returns on shareholder investment. Their long-term insurance product range includes life cover and hospital insurance.

Clientele Life life insurance

Unlike other whole life insurance providers, Clientele provide life cover direct to the public over the phone. What’s more, they don’t require their clients to go for a full medical examination either or complete any paperwork. The Premium Life Plan is a life insurance policy with optional cover for disability (up to R5 million) and critical illness cover (up to R3 million).

Following the direct insurance model, Clientele pay out a cash-back bonus to their life insurance policyholders every 60 premiums.

Clientele Life hospital cover

Hospital cover is different to medical aid. While a medical aid or hospital plan covers the cost of the medicine, visits to a doctor or hospital and any procedures, hospital cover pays out a certain amount per day that the insured is hospitalized. Why? This money serves to cover the income lost by the insured as a result of being in hospital. This is especially important for individuals who work on commission or are self-employed.

Clientele offer 2 types of hospital plans:

• Hospital Plus Plan – up to R200 000 annual cover, plus additional cover for accidental death, disability and for Dread Disease.
• Premium Hospital Plan – Includes ICU, Maternity, Accidental Disability and Dread Disease cover. Pays up to R5 000 per day if hospitalised for more than 2 days. Cash Back bonus.