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Abacus Employer Protect

Abacus Protection Plan (i-APP) (click here to view brochure)

The high costs associated with unexpected employee illness or injury pose a significant financial risk to both your employees and your business. Our unique employer protection solution aims to mitigate this threat, so you can have peace of mind knowing your company is protected.

The Abacus Protection Plan (i-APP) is an insurance product from Indwe Risk Services and is underwritten by SHA Specialist Underwriters, a wholly owned subsidiary of Santam Limited.


i-APP is one of the latest innovations in Abacus Payroll and the product is very easy to implement. It offers exceptional benefits in a unique, flexible format that reflects the changing needs of your business, while minimising administrative burden. On a monthly basis you select the employees you wish to include in the cover and choose the appropriate benefit option for each employees. Policy payment is made easy with SA’s largest payment service provider, Fihrst Management Services and the provided cover comes into effect upon receipt of payment.



24 hour worldwide cover is provided for accidental bodily injury resulting from motor vehicle accidents, murder & assault, recreational sport injuries, injuries on duty and at home, as well as snake, dog and spider bites.

Some value added services include:

  • assistance with the management and handling of all COID and RAF claims
  • emergency assistance following trauma / HIV exposure as a result of an assault
  • cost of obtaining medical reports
  • single engine aircraft cover
  • equipment to aid mobility
  • emergency transport



  1.  i-APP brochure
  2.  i-APP electronic brochure
  3.  i-APP Policy Wording
  4.  iAPP Benefit Table
  5.  i-APP Claims procedure
  6.  i-APP Frequently Asked Questions
  7.  Accident Expert