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What happens when traditional insurance systems fail those who need protection most? Melody from Bidvest joins us to explore their groundbreaking event-based cover - a revolutionary approach providing income protection to previously uninsurable South Africans.

The journey began in 2015 when Bidvest identified approximately 250 occupations systematically denied income protection. Whether due to high occupational risk (like professional athletes) or sensitivity to claims (like performers whose careers can be derailed by minor health issues), these individuals were left vulnerable without adequate financial protection. Believing every hardworking South African deserves income security, Bidvest created a solution based on 209 specific claimable events rather than traditional disability definitions.

The beauty of event-based cover lies in its flexibility. A homemaker, whose financial value to a family can reach R50,000 monthly, qualifies for all 209 events with coverage linked to the breadwinner's income. Meanwhile, a rugby player might access 138 events with alternative pathways for excluded injuries - as demonstrated by a Stormers player who received 129 days of benefits after ACL surgery despite specific exclusions. Most remarkably, Bidvest has extended this protection to those with variable incomes from multiple sources and even individuals with bipolar mood disorder who face universal rejection elsewhere in the industry.

This episode reveals how innovative thinking can transform financial protection for South Africans who've fallen through traditional insurance cracks. Whether you're in a high-risk profession, have an unpredictable income stream, or manage a health condition that's previously left you uninsurable, Bidvest's event-based cover might be the solution you've been seeking. Listen now to discover if you qualify for this game-changing approach to income protection.

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