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1Life Expense Protector helps you pay your bills if you are temporarily disabled by an illness or injury. You decide how much cover you will need and how much you would like to be paid out monthly.
If you rely on your monthly income to pay expenses like your bond, school fees and groceries, and would struggle to survive for some months without a salary, salary protection is advisable.
1Life Expense Protector is a type of income protection insurance that pays out if temporary disability results in a loss of income. You pay a monthly premium, and if you are temporarily disabled by an accident or illness, and unable to work, your policy will pay out as a lump sum, or a lump sum and a monthly amount. So you can cover your living expenses until you are able to return to work. Without it, your family is financially at risk in the event of an accident or illness.
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.
Your policy has no waiting periods and you are covered immediately for accidental disablement.
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.
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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.
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Choose to increase your benefit pay-out by 5% when you start your policy or submit a claim.
You choose between a lump sum and a monthly pay-out.
Your 1Life Expense Protector premium is based on your specific risk profile and how much cover you need. Risk factors include your age, gender, occupation and health while the amount of income protection you need is based on your salary and monthly expenses.
When you buy 1Life Expense Protector, our call centre consultants will conduct a comprehensive financial needs analysis to determine the amount of cover you and your family need.
Once your claim has been processed, you can choose to have the entire assured amount paid out as a lump sum, or to split your benefit between a monthly pay-out and a total lump sum pay-out. So you might have 100% of your total insured amount paid out as a lump sum or 25%, 50% or 75% of your total insured amount paid out as a lump sum, and the rest paid out monthly.
These two types of insurance provide you with different cover and pay out under different circumstances. Disablement cover pays out a lump sum if the policyholder is permanently disabled. 1Life Expense Protector is designed to help you cover your monthly bills while you recover from a temporarily disabling injury or illness.
No, however there is a deferment period from the date you are diagnosed. This is the period of time that has to lapse, after occurrence of an event that leads to a claim, before you are entitled to receive a benefit.
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