OUTsurance Life Insurance Review 2026
OUTsurance Life Insurance is built around no-medical cover and a critical illness benefit covering 40 listed conditions. Verified against OUTsurance's own site in July 2026.
Key features
- No-medical cover: up to R5 million without medicals or blood tests for qualifying clients.
- Terminal illness benefit: 50% of your sum insured, capped at R1 million.
- Critical illness cover: 40 listed critical illnesses, with the payout percentage varying by condition.
- Funeral element: you can allocate part of your Comprehensive Death Cover toward immediate funeral costs — no fixed rand figure is published for this specific allocation.
- Premiums: guaranteed for 5 years, with an average annual increase of around 6%. OUTsurance doesn't publish a starting premium — pricing is risk-profile dependent.
OUTsurance doesn't offer a cashback benefit on this product.
How to apply
Call 08 600 60 000 (Mon–Fri 08:00–17:00, Sat 08:30–13:00), or submit your details online for an adviser callback.
Is it worth it?
The R5 million no-medical ceiling is high relative to most SA competitors' no-medical products, making this worth a look if you want substantial cover without a medical exam. Since no starting premium is published, get a personalised quote and compare it against other life insurance providers before deciding.
