NCD Brief Twelve – Reassessing the risk

Reassessing the risk: The impact of noncommunicable diseases on life insurance

Percept | January 2022

In this brief, we explore how the increasing prevalence of non-communicable diseases (NCDs) impacts
the South African long-term insurance market. This encompasses products related to life, disability,
terminal illness and critical illness in the retail and group insurance space. Before Covid-19, the shift
in the burden of disease from infectious diseases to NCDs led to an increased risk of mortality and
morbidity associated with NCDs.