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Benefits of OUTsurance Life Cover

OUTsurance is a big name in South Africa for insurance that’s worth your while, especially their life insurance. When you stack their life insurance up against others, here’s what I think makes it stand out:

Cashback Rewards ("OUTbonus")

If you don’t need to claim for a while—like five years—they’ll hand back some of the money you’ve paid in. Not every company does that, and I really like how it feels like a little thank-you.

Flexible & Customizable Cover

You can tweak your life, disability, or critical illness cover to fit what you need and what you can afford. Plus, if your money situation changes, you can adjust it up or down without a fuss.

No Medical Exams for Some Policies

For certain plans, you don’t have to go through a bunch of doctor visits to get started—it’s quick and takes the stress off.

Fixed Premiums for the First 5 Years

Unlike some places where your payment jumps every year, OUTsurance keeps it steady for five years straight, which makes budgeting a lot easier.

Quick & Easy Application Process

Signing up is a breeze—you just call or hop online, and there’s no pile of confusing papers to deal with for the usual plans.

Payout on First Diagnosis for Critical Illness

If you’ve got critical illness cover, they pay you as soon as a doctor confirms one of the listed sicknesses—no waiting around for extra checks.

Immediate Accidental Death Cover

Some plans kick in right away for accidental death, even before they’ve finished all the official stuff, which is nice to know.

24/7 Client Support

They’re always there to help, day or night, and people say their customer service is top-notch when you need it most.

Why Choose OUTsurance?

• Easy to Set Up
  You can get a life insurance plan sorted online or with a quick call, no complicated steps needed—I like how fast it is.
• Fair Monthly Costs
  They figure out a payment that fits your situation and keep it steady for five years, so you’re not caught off guard.
• No Medical Hassle
  Plans up to R5 million don’t need a doctor’s visit, which saves you time and worry.
• Fast Payouts
  If something happens, they send the money to your family quick—usually in days if everything’s clear.
• Cash Back Bonus
  Go 15 years without claiming, and they’ll give you some money back, which feels like a nice reward.
• Flexible Coverage
  Pick what you need—death, disability, or serious illness cover—from R200,000 up to R16 million if you qualify.
• Real Support
  They’re based in South Africa since 1998, so they get what locals need and are there when you call.

OUTsurance FAQs

What types of life insurance does OUTsurance offer?

They’ve got death cover, disability cover, critical illness cover, and funeral cover—mix and match what works for you.

How is OUTsurance different from other life insurance providers?

They keep premiums fixed for five years, offer cash back after 15 claim-free years, and don’t need medical tests for smaller plans—plus, they pay out fast, which isn’t always the case elsewhere.

How much life cover can I get?

You can get from R200,000 up to R16 million, depending on what you qualify for—plenty of room to fit your needs.

Does the policy cover accidental death and disability?

Yes, accidental death kicks in right away on some plans, and disability’s included if you pick that option.

Are critical illness and funeral benefits included?

Critical illness is an option you can add, and funeral benefits come with most plans—handy for quick costs.

Can I add my spouse or family members to my policy?

Yep, you can add your spouse and kids to death or funeral cover—just tweak it as you go.

Does OUTsurance offer any cashback rewards?

They do! Go 15 years without claiming, and you get some premiums back—called the OUTbonus. Nice little perk.

Do I need a medical exam to qualify?

Not for plans up to R5 million—they might send a nurse to you for bigger ones, but it’s free and simple.

Can I get cover if I have a pre-existing medical condition?

You can get cover, but stuff you already have won’t be included—they’re upfront about that.

Are premiums fixed, or will they increase over time?

They’re locked in for five years, which I find nice—after that, they might adjust based on your risk.

What happens if I miss a payment?

They’ll give you a heads-up, and if you don’t catch up, cover might pause—but they’ll help you sort it.

Can I change my premium or coverage amount later?

Yes, you can tweak it anytime—more or less cover, whatever fits your life now.

Are there any discounts or rewards for staying claim-free?

Besides the OUTbonus after 15 years, they don’t pile on extra discounts, but that cash back’s a solid deal.

How do my beneficiaries claim the life insurance payout?

They call OUTsurance or use the app, send in the paperwork, and it’s handled quick.

How long does it take for OUTsurance to pay out a claim?

Usually a few days if everything’s in order—they’re known for being speedy.

What documents are needed for a claim?

Death certificate, ID copies, and a claim form—basic stuff they’ll guide you through.

Can my policy pay out early if I’m diagnosed with a terminal illness?

Yes, if you’ve got less than a year to live, they pay 50% of your death cover, up to R1 million.

What happens if I want to cancel my policy?

You can stop anytime—no fees, just let them know, and it’s done.

Can I reinstate my policy if it has lapsed?

If it’s not too long, you might restart by catching up payments—call them to check.

What is not covered by OUTsurance life cover?

Pre-existing conditions, suicide in the first two years, or risky stuff you didn’t mention—like skydiving if it’s your job.

Can I get life insurance if I work in a high-risk job?

You can, but your premium might be higher—they’ll ask about it when you sign up.

Does OUTsurance cover overseas deaths?

Yes, if you’re a South African resident—they’ll sort it no matter where it happens.

Can I manage my policy online or through the OUTsurance app?

Yep, the app or website lets you check or change things anytime—super handy.

How do I contact OUTsurance for more information?

Call 08 600 60 000 or email life@outsurance.co.za—they’re around 24/7.

OUTsurance Life Cover Application

OUTsurance makes applying for life cover pretty easy for South Africans. Whether you’re looking to protect your family with a payout if you’re gone, here’s what you need to know about getting started.

Do I qualify to apply for life cover with OUTsurance?

If you’re between 18 and 64, live in South Africa, and have a local bank account, you’re good to apply. They don’t fuss too much—as long as you’re a resident here, you can get in touch and see what works.

What are the requirements?

You’ll need a few basic things to kick things off:

• Your personal details—like your name, ID number, and how they can reach you.
• A South African bank account to handle the monthly payments.
• Some info about your health and job—they’ll ask a few questions, but nothing too deep for smaller plans.
• No pre-existing stuff gets covered, so they’ll want to know if you’ve got any health issues already.

What is the process?

It’s nice and simple, all done online or over the phone:

• Head to outsurance.co.za or call 08 600 60 000 and ask for a life insurance quote.
• Tell them about yourself—age, health, and how much cover you want (R200,000 to R16 million).
• Pick your plan—life cover on its own or add disability or illness options if you like.
• They’ll give you a price, you say yes, and they set it up with a policy sent to your email.
• Payments start monthly from your bank, and you’re covered.

How long will this all take?

It moves fast, which I find really handy:

• Getting a quote takes about 10 minutes if you’ve got your info ready.
• Once you agree, they usually approve it within a day—sometimes even quicker if it’s a weekday.
• Smaller plans (up to R5 million) start right away for accidental death, but full cover might have a short wait—up to 30 days for illness stuff.
• You’ll have your policy in your inbox within 24-48 hours, and that’s it—you’re set.

OUTsurance keeps the application smooth and doesn’t bog you down with extras you don’t need. It’s a quick way to get peace of mind for your family without a lot of running around.