Disability Cover for Adventure Sports Enthusiasts

Own occupation vs any occupation

Own-occupation disability pays if you cannot perform your specific job; any-occupation pays only if you cannot perform any suitable work. Professionals and specialists should fight for own-occupation where available.

Adventure injuries often leave partial capacity — definitions and partial disability benefits matter.

Exclusions mirror life cover

Disability arising while participating in excluded sports may not pay. Read the schedule of exclusions and waiting periods — some policies exclude professional racing but cover amateur with loading.

Capital to replace income

At a 4–5% real draw, replacing R40 000 monthly net income needs roughly R10–12m capital. Group cover through an employer rarely reaches that for high earners.

MyGenie sizes the capital required to replace income and shows how hobby-related premium increases affect long-term wealth.

This article is illustrative and educational. It is not financial, tax, or legal advice. Figures are examples only — model your own situation in MyGenie or speak to a licensed financial adviser.