Buying 1Life Disability Insurance

How is my disability insurance premium calculated?

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.

If am disabled can I get disability insurance?

This depends on the type of disability you have and whether or not you receive a state disability grant. You might not qualify or exclusions might be applied to your policy.

Is there an age limit for disability insurance?

Yes there is an age limit for this cover type. You can take out disability insurance anywhere between the age of 18 and 59.

Can I take out disability insurance for another person?

No, disability insurance can only be applied for by the life assured.

Will I need to complete a medical exam before I can take out disability insurance?

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.

Will I have to complete an HIV test for disability insurance?

Depending on the type of product that you purchase, you may have to either complete an HIV test, or disclose your HIV status in order to determine your risk.

How is the HIV test done?

In order to buy disability cover with us you might be required to do an HIV test. Simply visit a Clicks or Dis-Chem pharmacy nearest to you to complete your test.

What is DebiCheck?

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.