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.
1Life disability cover pays out in the event of the disablement of the policyholder, or life assured. The amount paid out will depend on the type of disability cover, and the amount bought.
You have to be between the ages of 18 and 59 to purchase 1Life Disability Insurance. Your cover level will decrease from your 60th birthday until five years before you turn 65 or your selected retirement age, whichever is earlier. Note that there are some exclusions, or conditions under which claims might be rejected, for instance if you take part in dangerous sports or activities. These are listed in the policy schedule, so be sure to take note of them.
The monthly disability insurance premium is based on your specific risk profile. This means that we take into account factors like your age, gender, occupation, lifestyle and health when calculating your monthly premium. Use our insurance calculator to work out how much disability cover you need, and get a quote online in minutes.
1Life Disability Insurance pays out in the event of disablement. You can choose between two types of personal disability insurance. Occupation-based Disablement, also called Lump Sum Disablement, which pays out the full amount if you are permanently disabled and cannot work. Event-based Disablement pays out a percentage of your cover amount for disability, according to the tables in your policy book, even if you are still able to work.
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