1Lifestyle terms and conditions

These Terms and Conditions are effective from 1 January 2025

Please read these Terms and Conditions carefully before using our service.

Definition

For the purposes of these Terms and Conditions, the following definitions will apply:

“Client” means a person who has one or more active qualifying 1Life policy(ies) or product(s). Where the Main Member and the Payer on the policy or product are not the same person, the programme benefits will be made available to the Main Member.

“1Life” means 1Life Insurance Company Limited (1Life), Registration Number: 2005/027193/06.

“Date of Claim” means the date which a benefit is claimed on the 1Life app.

“DebiCheck mandate” refers to a debit order mandate which has been approved electronically by the bank account holder with their bank via the DebiCheck system and is active and has not been suspended.

“Level date” refers to the date on which the level allocation is determined.

“Missed premium/fee” refers to an insurance premium or non-insurance fee that is unpaid or not received by 1Life

“Paid premium/fee” refers to a payment via Debit order, Salary Deduction or Push payment.

“Qualifying Product” refers to a 1Life named policy or product with a successful Qualifying Mandate. “Qualifying Mandate” means an active DebiCheck or Salary Deduction mandate.

“Push payments” means any payment made by the Client via an Electronic Funds Transfer (EFT), PayU or Pay@ transfer into 1Life’s bank account.

“Salary Deduction” refers to a payment method reserved for funds transferred from a Client’s bank account into 1Life’s bank account via the Client’s company of employment. This includes Government Salary Deduction (GSD), Corporate Salary Deduction (CSD), SASSA grants and IFA Commission deductions.

“Staff” means all permanent employees of 1Life and excludes Agency and Broker sales agents. “Suspended Mandates” means a mandate which has been suspended by the bank account holder who initially approved the mandate. The action of suspending a mandate is done directly with the Client’s bank. Once a mandate is suspended all future DebiCheck collections against such suspended mandate are blocked. Mandates can be unsuspended by the Client accepting a new mandate request.

"We", "us", "our" and “CBC” means CBC Rewards (Pty) Ltd, registration number 2016/195909/07 including all subsidiaries.

"Website" Refers to the collection of web pages located at www.1life.co.za. “You”, “your” means a Client as defined above.

What is 1Lifestyle?

1Lifestyle1Lifestyle is an embedded Loyalty Benefit offered to Clients at no additional cost. Clients are rewarded for their loyalty via a multi-level structure, and will qualify for a variety of benefits, based on the level they have qualified for.

How do you qualify for 1Lifestyle?

All Clients who have a Qualifying Product with an active Qualifying Mandate and who pay their premiums.

What are the Qualifying Products on 1Lifestyle?

All 1Life named products and policies (i.e. if your product has the word ‘1Life’ in the name) are classified as Qualifying Products, with the following exceptions:

• Group schemes;
• VAPS products;
• Life policies underwritten by 1Life but not branded as
• Stop order policies
• SASSA grant policies
• Pre-paid funeral policies

What is a Qualifying Mandate on 1Lifestyle?

A Qualifying Mandate is an active fully authenticated DebiCheck mandate.

How does the Level Qualification work? Level 1 Requirements

If you are a Client with a Qualifying Product and an active DebiCheck in place, you qualify for Level 1 within twenty-four (24) hours of DebiCheck.

Level 2 Requirements

If you are a Client with a Qualifying Product with your last 3 consecutive premiums or fees paid, you qualify for Level 2.

Level 3 Requirements

If you are a Client with a Qualifying Product with your last 6 consecutive premiums or fees paid, you qualify for Level 3.

Level 4 Requirements

You will need the following to qualify for Level 4:

• Have at least 2 active Qualifying Products;
• Have paid your last 12 consecutive premiums or fees on at least 1 of the Qualifying Products;
• Have registered on the 1Life App;
• Have logged into the 1Life App in the last 90 days; and,
• Have paid at least 1 premium or fee successfully on at least 1 other Qualifying Product.

Level 5 Requirements

You will need the following to qualify for Level 5:

• Have at least 2 active Qualifying Products;
• Have paid your last 24 consecutive premiums or fees on at least 1 of the Qualifying Products;
• Have registered on the 1Life App;
• Have logged into the 1Life App in the last 90 days; and,
• Have paid at least 1 premium or fee successfully on at least 1 other Qualifying Product.

When is your Levelling determined?

1Lifestyle updates on the 10^th of every month and any Level movements will be actioned on this date.

What happens if you miss a premium or payment?

If you miss a premium or fee on your Qualifying Product on Level 1, 2 or 3, you will no longer have access to 1Lifestyle.

If you miss a premium or fee on 1 or more of your Qualifying Products on Level 4 or 5, you will move to Level 3.

You can make a push payment for historically missed premiums to be returned to your Level on the next Levelling date. This can be done through Pay@ or PayU in the app or a cash payment.

What happens if you cancel your Qualifying Product or suspend your Qualifying Mandate(s)?

If you cancel your Qualifying Product or suspend your Qualifying Mandate on Level 1,2 or 3, on your only Qualifying Product, you will no longer have access to 1Lifestyle.

If you have more than 1 Qualifying Product and you cancel a Qualifying Product or suspend your Qualifying Mandate for this product, your Levelling may be impacted.

When will I receive access to my benefits?

Once you have taken out a policy and have an active DebiCheck in place, you will receive access to your benefits within one (1) hour. Benefits are renewed on the 10^th of every month. Any unused benefits will be forefeited.

What are the Terms and Conditions of the rewards benefits?

Online education vouchers (Boston Online and Ivy Academy)

• Voucher limited to the number of uses specified by the Client’s Level per month;
• Valid for 6 months from date of claim;
• Voucher is not exchangeable for cash;
• Online courses are only accessed via the Boston or the Ivy Academy websites respectively;
• Each voucher code is valid for one course only and covers a maximum of R1500 per course; and,
• The use of the voucher is subject to the Boston Connect or Ivy Academy terms and conditions, refer to the Boston or Ivy Academy website for full terms and conditions.

Bolt

• Voucher limited to the number of uses/ rand value/ discount specified by the Client’s Level per month;
• Valid for 30 days from date of claim;
• Voucher is not exchangeable for cash; and,
• The use of the voucher is subject to the Bolt T&Cs, refer to the Bolt website for full terms and conditions.

JustGo – Bus

• Voucher limited to the number of uses/ rand value/ discount specified by the Client’s Level per month;
• Valid for 30 days from date of claim;
• Voucher is not exchangeable for cash;
• Online bookings only on the justGo website;
• Valid for travel within the borders of South African and Zimbabwe only;
• No change will be given against any voucher; and,
• The use of the voucher is subject to the JustGo T&Cs, refer to the JustGo website for full terms and conditions.

FlySafair

• Voucher limited to the number of uses/ rand value/ discount specified by the Client’s Level per month;
• Valid for 30 days from date of claim;
• Voucher is not exchangeable for cash;
• Online bookings only on the FlySafair website;
• Valid for travel within the borders of South African and Zimbabwe only;
• No change will be given against any voucher; and,
• The use of the voucher is subject to the FlySafair T&Cs, refer to the FlySafair website for full terms and conditions.

SL Travel

• Voucher limited to the number of uses/ rand value/ discount specified by the Client’s Level per month;
• Valid for 30 days from date of claim;
• Voucher is not exchangeable for cash;
• Online bookings only on the SL Travel website;
• Valid for standard packages with SL Travel;
• No change will be given against any voucher; and,
• The use of the voucher is subject to the SL Travel T&Cs, refer to the SL Travel website for full terms and conditions.

Edgars

• Voucher limited to the number of uses/ rand value/ discount specified by the Client’s Level per month;
• To qualify for the Level discount, Client must purchase an Edgars electronic gift voucher and load it with the value required via the app;
• The discount is only applicable if the Edgars electronic gift voucher purchase is made in the month that the fee is received;
• The bearer of the Edgars electronic gift voucher may use it to purchase merchandise from Edgars stores;
• The Edgars electronic gift voucher will only be accepted if a valid electronic gift voucher is presented to the cashier;
• All Edgars electronic gift vouchers have specific terms and conditions as set out on the website
• The Client, by purchasing the gift voucher, confirms that he/she is aware of and accepts all the terms and conditions, as stipulated on the partner’s website; and,
• The use of the voucher is subject to the Edgars T&Cs, refer to the Edgars website for full terms and conditions.

Style

• Voucher limited to the number of uses/ rand value/ discount specified by the Client’s Level, per month;
• To qualify for the Level discount, Clients must purchase a Style gift voucher and load it with the value required;
• The discount is only applicable if the Style electronic gift voucher purchase is made in the month that the fee is received;
• The bearer of the Style electronic gift voucher may use the electronic gift voucher to purchase merchandise from Style stores;
• The Style electronic gift voucher will only be accepted if a valid Style electronic gift voucher is presented to the cashier;
• All Style gift vouchers have specific terms and conditions as set out on the Style website;
• The Client, by purchasing the Style gift voucher, confirms that he/she is aware of and accepts all the terms and conditions as stipulated on the partners website; and,
• The use of the voucher is subject to the Style T&Cs, refer to the Style website for full terms and conditions.

Legit

• Voucher limited to the number of uses/ rand value/ discount specified by the Client’s Level, per month;
• To qualify for the Level discount, Clients must purchase a Legit gift voucher and load it with the value required;
• The discount is only applicable if the Legit electronic gift voucher purchase is made in the month that the fee is received;
• The bearer of the Legit electronic gift voucher may use the electronic gift voucher/s to purchase merchandise from Legit stores;
• The Legit electronic gift voucher will only be accepted if a valid Legit electronic gift voucher is presented to the cashier;
• All Legit gift vouchers have specific terms and conditions as set out on the Legit website;
• The Client, by purchasing the gift voucher, confirms that he/she is aware of and accepts all the terms and conditions as stipulated on the partner’s website; and,
• The use of the voucher is subject to the Legit T&Cs, refer to the Legit website for full terms and conditions.

NuMetro Movie Tickets

• Voucher limited to the number of uses/ rand value/ discount specified by the Client’s Level, per month;
• Limitation of discount on vouchers is based on Level placement;
• Valid for 30 days from date of claim;
• Voucher is not exchangeable for cash;
• Vouchers can be redeemed to watch any 2D, 3D and VIP movie; and,
• The use of the voucher is subject to the NuMetro T&Cs, refer to the NuMetro website for full terms and conditions.

NuMetro Combo

• Voucher limited to the number of uses/ rand value/ discount specified by the Client’s Level, per month;
• Valid for 30 days from date of claim;
• Voucher is not exchangeable for cash; and,
• The use of the voucher is subject to the NuMetro T&Cs, refer to the NuMetro website for full terms and conditions.

Nandos

• Voucher limited to one Fast Food voucher per Client per month on Level 4 and Level 5;
• Clients can redeem one voucher in the Fast Food category, from a selection of vendors on a monthly basis;
• Valid for 30 days from date of claim;
• Voucher is not exchangeable for cash;
• Voucher is not transferrable; and,
• The use of the voucher is subject to the Nandos T&Cs, refer to the Nandos website for full terms and conditions.

Debonairs Pizza

• Voucher limited to one Fast Food voucher per Client per month on Level 4 and Level 5;
• Clients can redeem one voucher in the Fast Food category, from a selection of vendors on a monthly basis;
• Valid for 30 days from date of claim;
• Voucher is not exchangeable for cash;
• Voucher is not transferrable; and,
• The use of the voucher is subject to the Debonairs T&Cs, refer to the Debonairs website for full terms and conditions.

Steers

• Voucher limited to one Fast Food voucher per Client per month on Level 4 and Level 5;
• Clients can redeem one voucher in the Fast Food category, from a selection of vendors on a monthly basis;
• Valid for 30 days from date of claim;
• Voucher is not exchangeable for cash;
• Voucher is not transferrable; and,
• The use of the voucher is subject to the Steers T&Cs, refer to the Steers website for full terms and conditions.

Hungry Lion

• Voucher limited to one Fast Food voucher per Client per month on Level 4 and Level 5;
• Clients can redeem one voucher in the Fast Food category, from a selection of vendors on a monthly basis;
• Valid for 30 days from date of claim;
• Voucher is not exchangeable for cash;
• Voucher is not transferrable; and,
• The use of the voucher is subject to the Hungry Lion T&Cs, refer to the Hungry Lion website for full terms and conditions.

Netflix

• Voucher limited to the number of uses/ rand value/ discount specified by the Client’s Level;
• Voucher is limited to a per month use only;
• Voucher validity based on subscription package option purchased;
• Voucher is not exchangeable for cash;
• Voucher is not transferrable;
• An internet connection is required to use the Netflix service;
• Subscription plans may be subject to change from time to time with a 30 day notification period;
• Savings on vouchers are based on regular/retail Netflix pricing; and,
• The use of the voucher is subject to the Netflix T&Cs, refer to the Netflix website for full terms and conditions.

Spotify

• Voucher limited to the number of uses/ rand value/ discount specified by the Client’s Level;
• Voucher is limited to a per month use only;
• Voucher valid for 6 months from date of issue;
• Voucher is not exchangeable for cash;
• Voucher is not transferrable;
• An internet connection is required to use the Spotify service;
• Subscription plans may be subject to change from time to time with a 30 day notification period; and,
• The use of the voucher is subject to the Spotify T&Cs, refer to the Spotify website for full terms and conditions.

Checkers/Shoprite and Dis-Chem coupons

• Coupons are available for Clients on Level 3, 4 and 5;
• Coupons shall be available for redemption up to 5 times per month per Client at applicable outlets;
• Coupons are limited to the number of coupons specified by the Client’s Level per month;
• Valid for 24 hours from date of claim;
• Coupons are not exchangeable for cash; and,
• The use of the coupons are subject to the Checkers, Shoprite and Dis-Chem T&Cs, refer to the Checkers, Shoprite and Dis-Chem website for full terms and conditions.

Spin and Win Terms and Conditions

Spin and Win is an interactive competition wheel that offers you a chance to win a number of prizes. The prizes offered are varied and 1Life reserves the right to change Spin and Win prizes against each category at its discretion. Spins are limited to the Level you are placed on and offers are reset every month.

Number of Spins per Level:

Level 1 – 1 spin

Level 2 – 2 spins

Level 3, 4 and 5 – 3 spins

Non-cash prizes are not redeemable for cash. Prizes are not transferable and cannot be returned. Discounts on prizes are specific to the stated discount amount (e.g.: 15% discount on Bolt rides).

Refer to General Terms and Conditions on the 1Life website (Product terms and conditions | 1Life Insurance ) for further information on Competition rules.

Rules relating to Prize Winners on the 1Lifestyle Programme

• Full Terms and Conditions are available on 1Life’s website.

Rules relating to the Dining Benefit on the 1Lifestyle Programme Dining Cashback Terms & Conditions

• The Dining Cashback Benefit entitles the active member only to a refund (cashback) on the second most expensive meal purchased, provided:
  • no less than 2 meals and 2 drinks are physically ordered and paid for by the active member from the qualifying restaurant;
  • the claims are submitted with the restaurant receipt and proof of payment within 24 hours of dining;
  • the active member has not exceeded the utilisation limit of a maximum of ten (10) claims per month;
  • the active member has not exceeded the utilization limit of 00 (one thousand Rand) per month; and,
  • the active member is at least 18 years of age.
• The cashback amount will be calculated as the second most expensive meal purchased by the active member on the bill, up to a maximum of R100.00 (one hundred Rand). Claims will be verified with the restaurant to ensure validity.
• The cashback claim will be processed within 5 working days, unless otherwise specified. Over the December holiday period, claims may incur additional processing time.
• Crave, our dining service provider, reserves the right to adjust the processing period to which claims are processed.
• Any claims submitted with incomplete information, restaurant receipt or proof of payment missing, unclear receipt, or consisting of meals or restaurants that do not qualify, will be delayed or declined.
• Cashback refunds are processed by Crave and not the Accordingly, please refer all benefit queries to Crave.
• The Dining Cashback Benefit:
  • is valid for a specified list of restaurants Crave shall be entitled, in their sole and absolute discretion, to amend the list of restaurants from time to time. Crave shall endeavour to promptly update this list as and when we are made aware of any changes. Whilst every effort will be made to ensure that all listed restaurants are trading, Crave will not be held liable in the event of any restaurant closures;
  • is applicable to the restaurant’s standard prices only;
  • cannot be used in conjunction with any special offers, promotions, discount vouchers or loyalty programs;
  • may be used for takeaway and delivery where available, provided at least 2 meals and 2 drinks are purchased;
  • may only be used once per restaurant per day;
  • does not apply to desserts, toppings, sides, “build your burger”, sharable platters, extras on burgers/pizzas etc.;
  • applies to courses that include drinks, provided it is not a special;
  • applies to individual line items on the menu whereby one line item is the equivalent of one meal;
  • may not be used within 3 hours of a previous claim; and,
  • may not be used at any restaurant at which the member or their immediate family are
• A maximum of two memberships may be used per table, provided they are for different members. Each member must claim In the case of two claims submitted, the first claim submitted and processed will attract the bigger cashback. The cashback amount will be calculated as follows:
  • Membership 1: 2nd most expensive meal on the bill up to max R100.00 (one hundred Rand), with a minimum of 4 drinks; and,
  • Membership 2: 4th most expensive meal on the bill up to max R100.00 (one hundred Rand), with a minimum of 4 drinks.
• Cashback claims:
  • must include all of the following in the claim submission:
    • the original restaurant receipt, which must clearly display the following details: restaurant name, receipt number, receipt total, receipt date, receipt time, and meals ordered. Pro -forma invoices are not accepted; and
    • proof of payment, which can consist of: cash receipt, debit card or credit card slip, Snapscan or Zapper receipt. At Crave’s discretion, Crave may request for additional proof of payment to be submitted along with any claims that are submitted g. front-of- card used or a bank statement. Failure to produce additional proof of payment will result in the claim being declined.
  • must be submitted within 24 hours of the restaurant visit; and
  • will not be processed if the details on the receipt (restaurant name, date, and time) do not match the claim details.
• Membership is non-transferable and the benefit may only be utilised by the active
• Crave accepts no responsibility for the quality of service and/or meals at restaurants. Furthermore, Crave will not become involved in any non-Crave related disputes between members and
• Crave processes and terms & conditions may be amended from time-to-
• Failure to adhere to, or any attempt to circumvent the Crave terms & conditions, will result in eligibility to use the benefit being suspended or terminated. Crave will not be liable for any membership fee refunds or unpaid claims whatsoever in the case of any suspension or Furthermore, if any instances of fraud are uncovered, Crave reserves the right to institute criminal proceedings against anyone suspected of committing fraud. 

Disclosures

1Life Insurance Limited is a licensed life insurer & financial services provider, registration no. 24769.

1Lifestyle is a loyalty benefit provided to all loyal Clients at no additional cost and is brought to you by CBC Rewards (Pty) Ltd.

The fact that we provide a link to a third-party website does not mean that we endorse, authorise or sponsor that website nor that we are affiliated to such website's owners or sponsors.