Get up to R10 million cover should you get disabled
Up to R10 million pay-out if accidents or injuries leave you permanently disabled and unable to earn a living.
Disability insurance, also known as disability cover or disablement cover, pays out between R50 000 and R10 million if an accident or illness results in permanent disability.
The pay-out from your policy can replace all or part of your income. You can use the pay-out to:
You know your family will be taken care of with up to R4 million cover. You can get cover online or with just 1 simple call, immediate underwriting and no paperwork!
Get hassle free and convenient cover with no medical exams required just a simple HIV saliva swab that you can take at a Clicks or Dischem pharmacy near you.
You are covered from day 1. Your policy has no waiting periods and you are covered immediately.
Isn’t it good to know that with 1Life Insurance dread disease cover policies, you can bank on no premium increases, guaranteed, for the first 12 months of your policy.
You know that your family needs the financial protection of disability insurance, but how much will it cost you? Get a quick quote and in minutes you will know what your monthly premium will be.
We work every day to change our policyholder's lives.
We look after our policyholders with affordable and convenient cover packed with great benefits.
Manage your policy conveniently and quickly using our online policyholder portal and WhatsApp service centre.
Take charge of your financial future with free short courses and services from Truth About Money.
Increase your sum assured on every third policy anniversary without any medical underwriting, except for an HIV test. (T&Cs apply)
Once 1Life has received all of the documentation needed to assess the claim, it may be paid out within 10 working days.
Disability insurance provides you with financial compensation if you are disabled by an accident or illness and unable to work.
Your eligibility for disability cover will depend on your health, lifestyle and type of employment. If you do qualify, your monthly premium will be based on factors such as your age, gender, health and occupation.
Your quote is based on your specific risk profile. The factors that will affect your risk profile are:
Age – younger individuals may pay a lower premium, as younger applicants are generally healthier.
Gender – the premiums are slightly lower on average for women.
Health – if you have a current health condition or a history of illness.
Lifestyle – if you participate in dangerous sports, such as regular sky diving, the risk of injury is higher and this would have an effect on your premium.
No, there are no medical exams or tests. You will however be asked a few health and lifestyle questions as well as be requested to complete an HIV test.
DebiCheck is a way you control how certain debit orders are taken out of your bank account. You confirm this once, at the start of the contract. This is done to inform your bank that you give permission for the money to be taken from your account. Find out more here.
1Life Disablement Cover pays out in the event of the disablement of the life assured, depending on the type and amount of cover bought.
There is no waiting period that applies to disability insurance, however there is a three month deferment period before your policy will pay out.
Failing to pay a premium may mean that you will not be covered for the specific month. Failing to pay two consecutive premiums will lead to a suspension of your cover. It is important to contact your insurer to make alternative arrangements.
At 1Life Insurance we believe that insurance shouldn’t be complicated and that includes quick and easy policy claims.
The claims page has all you need to know about the claims submission process for 1Life Insurance policyholders and their beneficiaries. And we are here to help you every step of the way! When you make a claim on a 1Life Insurance policy you will be assigned a dedicated claims consultant who will guide you through the process and resolve any queries or concerns you might have.
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