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Product Information

Serious Illness Cover


FRANK.NET offers Serious Illness Cover to ensure that if you suffer from a stroke, heart attack or cancer, or undergo open heart surgery, you'll receive a cash lump sum of between R100 000 and R2 million depending on the level of cover you choose and your personal details (your risk profile).

This money can be used in any way that you see fit, such as taking your family on holiday while you recuperate and paying for additional medical bills that aren't covered by your medical aid.

Sickness is an unavoidable part of life, but some illnesses are serious and can leave you unable to work for weeks or even months. During this time, bills and expenses don't stop. Car insurance, mortgage payments or rent, water, electricity, food and other sundry expenses still need to be paid, even though you may not be earning your usual income.

Furthermore, there are also many other expenses relating to your serious illness that you may need to pay. These may include travelling to see a specialist or employing a nurse for 24-hour care.

It's wise to invest in Serious Illness Cover from FRANK.NET to protect yourself – and by
extension, your loved ones – financially should you fall seriously ill.

Even if you're able to pay your usual bills during your recovery period, your Serious
Illness Cover payout can be used to make you more comfortable during this time
by removing the stress caused by financial obligations.

Reasons to choose FRANK.NET Serious Illness Cover

  • Direct telephone or online application saves time and money without brokers. 
  • Straightforward cover makes it easy to understand our products and agreements.
  • Competitive monthly premiums enable affordable long-term insurance planning.
  • Immediate cover provides cover without any delay.
  • Nurses on wheels conveniently take your blood test where and when it suits you.
  • A tax-free lump sum payout of up to R2 million for Serious Illness Cover assist in dealing with the impact of being seriously ill.
  • Standalone insurance products enable you to take out Life Cover, Salary Protection or Disability Cover independently, depending on your needs.
  • Contact FRANK.NET on 0860 722 227 for a free Serious Illness Cover
    quote or get a quick quote online now

    What you need to know about taking out Serious Illness Cover from FRANK.NET
    FRANK.NET will pay you an agreed lump sum if you're diagnosed with any of the following serious illnesses by a registered doctor: Stroke – This involves the death of brain tissue as a result of insufficient blood supply or bleeding within the skull. A stroke must be confirmed by a CAT scan or MRI. A neurologist must send FRANK confirmation that neurological signs and symptoms of dead brain tissue are still present three months after the event.

    Heart attack – This entails the death of a portion of the heart muscle as a result of inadequate blood supply. Heart attacks must be confirmed by a cardiologist, with evidence of characteristic medical (typical clinical) symptoms. These include acute ECG changes, which are generally accepted as indicative of a heart attack, raised biochemical markers indicating death of the heart muscle, and permanent pathological ECG changes, indicative of a heart attack, at least six weeks later.

    Cancer – FRANK.NET will pay out if you suffer from any malignant (cancerous), solid tumour that is characterised by uncontrolled growth of malignant cells and the invasion of the tissue of origin. We will also cover you if you suffer from any cancer of the blood, requiring either chemotherapy, radiation therapy or a bone marrow transplant, as recommended by an oncologist. Please note that prostate cancer is only covered if the tumour can be felt on examination by an oncologist. Non-melanoma skin cancer will be covered only if the tumour is bigger than 2 cm. Note that we don't cover Kaposi's sarcoma.

    Serious Illness Cover from FRANK.NET also covers you if you need to undergo the following procedure:

    Open heart surgery - FRANK.NET will pay out if you undergo open heart surgery that requires division of the breast bone (sternum).

    Contact FRANK.NET today on 0860 722 227 for a free Serious Illness Cover
    quote or buy cover online.

    The features of Serious Illness Cover

    Serious Illness Cover provides insurance for the BIG 4.

  • FRANK.NET covers three serious illnesses and one procedure as these are the ailments that most commonly affect South Africans.
  • You can choose to get cover for yourself from between R100 000 to R2 million, depending on your individual risk profile.
  • Should your claim be approved, FRANK.NET will make a tax-free lump sum payout.
  • There is a three-month waiting period for cancer cover from the start date of your policy. This means that the cover must be in place for three months before you get diagnosed with cancer and can claim.
  • You can use your payout however you see fit.
  • In order to enjoy the full benefits of this product, you will be required to go for an HIV (Human Immunodeficiency Virus) test through one of our laboratory partners. FRANK.NET will pay for this test. The test must be sent to us within three months of the start of your contract.

    FRANK.NET must be alerted to any changes to your lifestyle choices, which includes changing jobs, starting or stopping smoking and taking or giving up any risky sport or hobby.

    After being informed of these changes, we may have to adjust your policy to ensure that you are paying the right premiums for your benefits. If you don't let us know, any future claim could be affected or even declined.

    Contact FRANK.NET on 0860 722 227 to receive a free complete Serious Illness Cover quote or get a quick quote online.
    You get really sick, we pay - Serious Illness Cover from FRANK.NET today

    FRANK is one of the leading insurance providers in South Africa and offers serious illness insurance directly to the public. This means that there are no brokers and unnecessary expenses involved. Furthermore, rather than making you wade through insurance terminology, we give you all the information that you need to make an informed decision.

    Our Serious Illness Cover is a straightforward product that provides cover for when you may need it most. The agreed cover amount and your monthly payments depend on your individual details and we only require that you are also upfront when you respond to our medical and lifestyle questions to make sure that when you claim, you will be entitled to a payout.

    To receive information about our Serious Illness Cover and get a free customised quote, call 0860 722 227 today.

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