Buying 1Life Dread Disease Cover

How is my dread disease insurance premium calculated?

Your premium is based on your specific risk profile. The factors that will affect your risk profile are:

Age – younger individuals will pay a lower premium, due to the decreased likelihood of being diagnosed with a dread disease.

Health – if you have a current health condition or a history of illness, the likelihood of being diagnosed with a dread disease is much higher compared to someone who is healthy.

Lifestyle – if for example you smoke, your risk of smoking related illnesses is that much higher and influences your premiums.

If am disabled can I get dread disease cover?

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.

Are there age limits to dread disease cover?

Yes there is an age limit for this cover. You can qualify for dread disease cover at any time from 18 to 59 and you will be covered for the rest of your life so long as your premiums and policy are up to date.

Can I take out dread disease cover for another person?

No, dread disease cover can only be applied for by the life assured.

Will I have to complete an HIV test for dread disease cover?

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

How much will the HIV test cost?

There is no cost to you to complete this 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.