Diversified risk protection
Broader protection beyond healthcare.
As part of our diversified risk protection portfolio, Rugare Medical also offers Short-Term Insurance Services designed to protect individuals, households, and businesses against unforeseen losses and liabilities. These solutions complement our medical and wellness offerings by providing broader financial security and peace of mind.
These short-term insurance services are available as standalone products or integrated corporate packages.
Cover options
Start with what you need to protect.
Open any option for a clearer view of typical cover and who it may suit. Final terms and premiums depend on Old Mutual’s assessment.
Motor Insurance
Motor insurance options for private and commercial vehicles.
Explore this coverHome & Contents
This cover protects residential properties and personal belongings against risks such as fire, theft, storm damage, and accidental loss.
Explore this coverBusiness Insurance
Business clients may access customised cover for operational risks.
Explore this coverTravel Insurance
Travel insurance solutions provide protection for both local and international travel.
Explore this coverPersonal Accident Cover
This policy provides financial protection against accidental injury, disability, or accidental death. It is ideal for individuals, employees, and high-mobility professionals.
Explore this coverGadgets & Electronics
Protection for mobile phones, laptops, tablets, office electronics, and other portable devices against theft, accidental damage, and loss.
Explore this coverGoods in Transit
This cover protects goods, merchandise, and stock while in transit by road, rail, or approved logistics channels. It is suitable for distributors, wholesalers, retailers, and logistics companies.
Explore this coverContractor’s All Risk
Designed for contractors, developers, and engineering firms, this cover protects construction works and associated liabilities.
Explore this coverHow it works
A clear route to the right policy.
We help you identify the relevant cover and gather the information an insurer needs to assess your request.
- 01Choose a cover area
Select the option that best matches what you want to protect.
- 02Tell us what you need
Share your contact details so an adviser can discuss the request.
- 03Review the insurer’s terms
Compare the confirmed premium, benefits, limits and exclusions before accepting cover.
Before you choose
Cover begins only after insurer confirmation.
Short-Term Insurance is underwritten by Old Mutual, not Rugare Medical. Availability, premiums, benefits, exclusions, and claims decisions remain subject to Old Mutual’s assessment and policy terms.
Request a discussion
Tell us what you would like to insure.
Choose a cover area and leave your contact details. An adviser will contact you to understand the request and explain what the insurer needs next.
- No payment is taken through this form.
- Submitting a request does not activate cover.
- Old Mutual confirms the final premium and policy terms.
Keep documents secureDo not upload or include identity, policy, claims, banking or medical documents in this request.