Protect Your Family
Assess the right level of cover for your family's needs — life, disability, income, and medical protection.
Life Cover Needs Calculator
Calculate how much life cover your family needs — income replacement, debt clearance, and emergency buffer in one tool.
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Disability Income Calculator
Calculate the monthly disability cover you need if illness or injury stops you from working.
HippoMedical Aid Affordability Checker
Find the right medical aid option within your budget.
Hospital Plan vs Medical Aid vs Medical Insurance
Understand the differences and find out which health cover product suits your life stage and budget.
HippoYour numbers carry forward automatically between stages. No re-entering required.
Protecting Your Family in South Africa: Know Your Gaps
Most South Africans are significantly underinsured. Life cover, income protection, disability cover, and funeral insurance are often purchased reactively — after a crisis — rather than planned proactively. This journey helps you calculate exactly what cover your family would need if your income stopped tomorrow, so you can make informed decisions about the right level of protection.
How Much Life Cover Do You Need?
A commonly used starting point is 10 times your annual income. This provides your dependants with a lump sum that, invested conservatively, replaces your income for a decade or more. But the right amount depends on your specific situation: outstanding bond balance, number of dependants, your spouse's income, children's education costs, and existing retirement savings all affect the calculation. The Life Cover Needs Calculator in this journey builds your personalised figure from the ground up.
Income Protection vs Life Cover
Life cover pays a lump sum when you die. Income protection pays a monthly benefit if you cannot work due to illness or injury — you are still alive, but your income has stopped. Statistically, you are more likely to be disabled for an extended period during your working life than you are to die. Yet most South Africans have life cover and no income protection. Both are addressed in this journey.
Funeral Cover in South Africa
The average funeral in South Africa costs between R15,000 and R50,000 depending on the province, ceremony, and service provider. Extended family funeral cover — covering parents, siblings, and in-laws — is widely held in South Africa and an important consideration given cultural obligations around funeral arrangements. The Funeral Cover Estimator in this journey, coming soon, helps you calculate the cover your extended family requires.
Medical Aid vs Hospital Plan
A comprehensive medical aid covers day-to-day benefits like GP visits, chronic medication, and dental. A hospital plan covers hospitalisation only. The choice depends on your health, family size, and budget. Hospital plans are significantly cheaper but leave you exposed to out-of-hospital costs. Gap cover bridges the shortfall between what medical aids pay and what specialists charge. The Hospital Plan vs Medical Aid calculator in this journey, coming soon, models the true annual cost of each option for your situation.