Comprehensive COID Cover For Employees

RMA is your specialist provider of COID cover for workers in the mining and metals industries.


Compensation for Occupational Injuries And Diseases (COID)

For more than 125 years, Rand Mutual Assurance has provided affordable and reliable cover for injury on duty claims in South Africa.

We provide full COID cover for the mining, iron, steel, metal and related industries, ensuring your employees are compensated in the event of work-related injury, illness or death in line with COIDA (Occupational Injuries and Diseases Act ) requirements. We make sure that injured employees receive compensation to cover medical costs, disabilities, pensions or ongoing income.

Why choose RMA for your COID cover?

  • The highest level of compassionate service
  • Quality benefits
  • Fast claims turnaround
  • Active cooperation in providing quality care services
  • Easy-to-use online dashboard for quick and convenient claim handling
  • Range of supplementary insurance products to reduce gaps in cover

Simplifying your COIDA requirements

The Compensation for Occupational Injuries and Diseases Act (COIDA) (Act No. 130 of 1993) as amended regulates how and when employees who have been injured at work, or who have contracted an illness or diseases, are compensated. It clearly sets out the legal requirements for tariffs, compensation as well as the limits for employee claims. RMA has the mandate to administer COID for Class IV (Mining) and Class XIII (Iron, Steel and Metals) only.

The COID Act pays for medical assessment, diagnosis and identification of the illness. Likewise, when an employee dies from workplace accidents or an occupational disease, the deceased employee's dependents qualify for benefits.

In addition to COID coverage, we also offer other value-added services to help provide better long-term care for critically injured beneficiaries, such as our mobile prosthetic clinic. We also have other products such as funeral and top-up insurance plans to add value to our members' quality of life.

FAQs About Your COID Cover

What is COID?

COID is the compensation that an employee receives in the event of injury, illness or death resulting from a workplace accident. Most employers will contribute to the workmen’s Compensation Fund as insurance for workplace accidents, while RMA provides specialist cover for Mining and the Iron, Steel and Metals industry.

What does COID stand for?

COID stands for the Compensation for Occupational Injuries and Diseases.

What is COIDA in South Africa?

The Compensation for Occupational Injuries and Diseases Act (COIDA) (No. 130 of 1993) is the South African legalisation allowing workers to claim compensation in the event of a work-related injury, illness or fatality.

What is a workplace accident?

An occupational accident arising out of and during work and resulting in injuries, sickness or even death. This means that as an employee you can seek compensation if you are involved in an accident while doing your job, with your beneficiaries receiving compensation if you die from a work-related injury.

What is an occupational disease?

Occupational diseases are illnesses caused by chemicals or agents you are exposed to in the work environment as an employee. A disease may take some time to become observable. If you develop an occupational illness because of exposure to these agents during your place of employment, you can seek compensation.

What injuries should you report?

All work-related injuries on duty, no matter how minor, need to be reported to your employer who must report these to RMA, including: 

  • Minor lacerations 
  • Contusions 
  • Abrasions

Is COID compulsory in South Africa?

All part and full-time employers in South Africa are required to register and pay annual assessment fees to a workman’s compensation fund. Specific exceptions include employers of domestic workers, members of the SANDF and SAPS, and workers working outside South Africa for periods of more than 12 months. Annual assessment of your COID registration is required to have a Letter of Good Standing.

Benefits are payable as:

Medical expenses in South Africa

All reasonable expenses of your medical service providers related to injury or illness payable for up to two years. If it is a work-related injury, no co-payment is required.

Temporary total disablement

Temporary Total Disablement (TTD), also known as temporary income replacement benefit or days off benefit, is a pay-out for at least three days off work while sick or while recovering from a work-related injury. We will pay you a percentage of your salary throughout your days off following temporary disability.

Permanent disablement

There are two ways in which we handle permanent disability benefits: 

  • If disability is between 1% and 30%, a lump sum is paid. 
  • If disability is greater than 30%, you will receive a monthly pension that is part of your salary / return of earnings (RoE) at the time of the injury.


When you die because of your injuries, the following benefits are payable to your beneficiaries: 

  • A one-time lump-sum payout to your spouse; 
  • Your spouse's monthly pension; 
  • Monthly allowance for your children: payable up to the age of 18 years unless the child is physically or mentally disabled and unable to earn an income or is studying, in which case you must apply for an extension; and once-off funeral cover.


You may also be interested in:

Augmentation Policy

The Augmentation Policy is a top-up cover of the COID benefit, suitable for employees that earn above the COID maximum payment limit.

International Cover

Covers employees who work outside South Africa. Ensures that they can still enjoy cover for occupational injuries or diseases.

Commuting Journey Policy

Cover for employees in the event of death or disablement from accidental injury that occurred while travelling to or from work and work events.

Call Us Now: 0860 222 132


RMA invites you to join our panel of brokers that will extend our
insurance products to the mining and metals companies in South Africa.

Our product offering is comprehensive enough to help you create
uniquely tailored employee solutions for employers.

For more information,
Contact us at

  • Interested? Need More Information?

  • Fill in the form below and click submit, and a RMA representative will be in contact with you.

Get In Touch


0860 222 132