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Are Your Employees

RMA understands the importance of your employee's wellbeing. That is why we have a range of products to best suit your requirements when it comes to compensation for occupational injuries or illness.

Family like to see each other healthy, well and happy. We’re the helping hand, the caring and compassion that sees your employees through difficult times, when injured or ill on duty. We are the warmth and assurance needed when life hands them difficulties. We are here for you and your employees.

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. This policy covers earnings of up to R7.5 million a year.

Cover is calculated on the employee’s actual package – allowing them to maintain their usual lifestyle by receiving the right compensation at the right level of benefits for their income. This removes the earning’s ceiling placed by COID legislation.

Benefits of the Augmentation Policy include temporary and permanent disability and death cover.


  • Temporary total disablement
  • Permanent disablement
  • Death

Commuting Journeys Policy (CJP)

The Commuting Journey Policy (CJP) covers the death or injury of an employee while travelling to and from work on a reasonably direct route. You can help give your employees loved one’s peace of mind with cover for injuries.


  • Full Medical expenses
  • Temporary total disablement
  • Permanant disablement
  • Death

Group Personal Accident

GPA offers cover in the event of a non-work-related accident such as a motor vehicle accident, to help reduce the financial burdens. Accidents covered exclude assault and hazardous pursuits.


  • Death
  • Permanent disablement
  • Funeral Expenses R20 000


  • Permanent disablement
  • Funeral Expenses R20 000
  • Income Protection (24 months)

International Cover

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

Benefits are payable as per COID

  • Medical expenses in South Africa
  • Temporary total disablement
  • Permanent disablement
  • Death

RMA Funeral Cover

Losing a loved one is never easy. RMA has designed a funeral cover to ensure your employees and their family will have a dignified funeral and that the costs involved with planning a funeral are met. The loss of a family member is traumatic.

However, we are here to ensure their funeral arrangements go smoothly, RMA’s Funeral Cover that gives peace of mind in any event of death.


Death cover depending on the chosen option

  • OPTION 1: Member and Spouse for R30 000 cover
  • OPTION 2: Member + Spouse + up to 6 Children for R30 000 cover

COID Cover

Being compensated for a work-related injury or illness contracted at work will go a long way in ensuring your employee and their family are taken care of financially.

COIDA, 130 of 1993, as amended regulates how and when employees who have been injured at work or who have contracted an illness or disease in the workplace are compensated and clearly sets out the legal requirements for tariffs, compensation and the limitations for workers' claims. RMA has a mandate to administer COID for Class IV (Mining) and Class XIII (Iron, Steel and Metals) only.

COIDA provides for medical examination and treatment, disability certification and compensation. Similarly, when an employee died because of injuries sustained in the workplace or an occupational disease, the dependents of the deceased employee may qualify for benefits.

Which employees are covered by COID?

  • Employees who were injured in an accident at work.
  • Employees who contracted an occupational disease or illness at work.
  • Employees who died from a workplace accident or occupational disease.

How is compensation calculated?

Compensation is calculated as a percentage of the employee’s earnings at the time the injury occurred or the disease was diagnosed.

Benefits are payable

  • Medical expenses in South Africa
  • Temporary total disablement
  • Permanent disablement
  • Death

IT Solutions

To help make run your business more effectively and easily, RMA has an integrated, high-powered IT system for the administration, adjudication and processing of compensation claims. The system is supported by sound business processes and workflows. It encompasses all the necessary components to ensure a secure, controlled and efficient system to meet and support a business’s processing needs and requirements.

RMA is the administrator of choice for occupational injuries and diseases for Class IV (Mining), Class XIII (Iron, Steel and Metal) and related industries. Through its market-leading IT system, RMA offers enhanced efficiencies for the administration of compensation claims.

How RMA IT Solutions can help you:

  • The system has the capability to maintain policies and premiums.
  • Generate policy quotations and invoices.
  • Maintain policy benefits.
  • Administer claims
  • Adjudicate claims.
  • Process claim benefit payments.
  • Maintain and generate medical treatment pre-authorisation.
  • Process medical invoices including tariff validations and pre-authorisation.
  • Maintain and process pension payments.

The system has a built-in ICD10 code medical costing, and temporary and permanent disability and maximum medical improvement (MMI) estimation models.

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

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0860 222 132