Metropolitan Insurance

Metropolitan is a South African insurer that offers a wide range of insurance solutions to cater to all your needs.

They’ve been in operation for over 125 years and have cemented their position as one of the leading insurers in the country. Their commitment to providing reliable insurance solutions has earned them the trust of millions of South Africans.

Over the years, they’ve expanded their offerings to include insurance solutions such as life, health, funeral, disability, and investment products.

Exceptional customer service

Metropolitan is committed to providing excellent customer service. They have a team of knowledgeable and friendly consultants always ready to assist you with any queries you may have. They understand that insurance can be a complex subject, and that's why they’re dedicated to simplifying the process for you.

Investing in the community

Through their Corporate Social Investment (CSI) initiatives, they aim to uplift and empower the communities they operate in. They believe that investing in the community is not only the right thing to do but also a way to build a sustainable future. Their initiatives are designed to create lasting change and empower people to reach their full potential.

Some of their initiatives include providing access to education and healthcare, promoting entrepreneurship, and supporting various social causes.

Innovation and excellence

Metropolitan has a reputation for innovation and excellence in the insurance industry. This is a testament to their commitment to providing reliable insurance solutions that meet your needs.

Who owns Metropolitan?

Momentum Metropolitan Group of Companies is a financial services group that helps businesses and individuals achieve their financial goals and life aspirations. The company comprises several client-facing brands, including Metropolitan, Momentum, Momentum Multiply, Guardrisk, and Eris Property Group.

Momentum was established in 1966 and has grown through strategic acquisitions and mergers. Metropolitan, on the other hand, started as African Home Trust in 1897 and has grown organically over the years.

A comprehensive range of insurance products

They also offer a range of other insurance solutions, including life, health, car, home, and business insurance. Their comprehensive range of insurance products is designed to provide reliable protection for all your needs. With Momentum, you can rest assured that you’re covered for any eventuality.

Momentum offers disability cover that is designed to protect you and your family in the event that you become disabled.

Their disability cover comes with a range of options to choose from, each with its own unique features.

Disability cover is a crucial aspect of their offerings as it recognises the importance of protecting an individual's ability to earn an income, which is their single biggest asset.

In the event of a disability, individuals may face emotional and financial hardships, including ongoing healthcare, therapy, and necessary lifestyle changes, such as adapting their homes and cars to improve mobility.

Disability cover provides a lump sum payout to assist individuals and their loved ones in coping financially with a disability. Metropolitan's disability cover starts at R150,000 and goes up to a maximum of R4 million.

Cover for SAPS and SANDF members

The FutureChoice Occupational Disability Cover also covers members of the South African Police Services (SAPS) and South African National Defence Force (SANDF) in certain circumstances for claims due to war, civil commotion, riot, terrorist activity or rebellion, which is not covered by some risk products.

Automatic and optional disability cover benefits

Metropolitan's disability cover options include automatic and optional benefits. Automatic benefits include flexi-premiums that allow individuals to reduce their premiums and cover to a more affordable level should they experience financial difficulties.

Optional benefits include escalation options that provide the option to increase the benefit amount to help keep up with inflation. Disability premium waiver will pay the premiums for the rest of the premium waiver benefit term should an individual become disabled. Retrenchment premium waiver will pay the premiums for 12 months in the unfortunate event that the premium payer is retrenched.

Death premium waiver will pay the premiums for the remainder of the premium waiver benefit term should the premium payer pass away.

Metropolitan also offers a CashBack benefit, which gives a percentage of premiums paid as a cash payout after every five years and a monthly support payout benefit, which provides the option of a monthly support payout to cover monthly expenses up to 60 months.

With the option to get occupational disability cover from as little as R100 per month, Metropolitan provides comprehensive protection at an affordable rate.