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    credit insurance claims

    credit insurance claims process

    Need to claim? Follow our step-by-step claims process below.

    What our credit insurance covers

    Credit insurance covers you in the event of permanent or temporary disability, unemployment, the inability to earn an income, or death. It’s compulsory for credit terms of 7 months and longer.

    How to claim

    Capitec must be notified within 12 months of the date of the event, in one of the following ways:

    • Visit your nearest branch
    • Call us on 0860 66 77 83 (Credit Collection Services Enquiries)
    • Email us at [email protected]
    • Fax us on 0860 11 11 52 (Credit Collection Services Enquiries)

    After the claim has been approved or declined, we will contact the claimant by SMS with the outcome. It is the claimant’s responsibility to ensure that we have their correct personal and contact details. 

    Documents needed to claim

    Retrenchment , unemployment or inability to earn an Income (other than disability)

    1. Retrenchment, unemployment or inability to earn an income Cover Assessment form
    2. Retrenchment letter
    3. Certificate of service
    4. Copy of your identification document
    5. Your latest salary slip
    6. UIF UI19 form may be requested, if additional information is required

    You have 3 months from the date of notification to Capitec to submit the required documentation.

    Permanent and Temporary Disability

    1. Employer declaration (to be completed by the Employer)

    2. Employee declaration (to be completed by the client)

    3. Copy of the employer issued job description
    4. Confidential medical report completed by treating specialist

    5. Copies of diagnostic test results
    6. Copy of all available medical reports
    7. Copy of client’s identification document
    8. Copy of payslip as at date of disability
    9. Leave records for the 2-year period preceding your date of disability

    You have 3 months from the date of notification to Capitec to submit the required documentation.

    Death

    1. Copy of the deceased’s identification document
    2. Death certificate

    After the claim has been approved or declined, we will contact the claimant by SMS with the outcome. It is the claimant’s responsibility to ensure that we have their correct personal and contact details.

    Note: Policies are underwritten by Guardrisk Life, an authorised financial service provider (FSP 76). 

    If you are not satisfied with the credit insurance offered or our claims process, email us your feedback.