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Dread disease cover claims

How do you claim on a life insurance policy?

Visit our claims page for instructions on how to submit a claim via an online form, email or you can call us. You can also send us a call me back from the claims page and one of our consultants will call you.

What are the time limits to submit a claim to 1Life?

It is important to take note of the following time limits regarding claims:

An event that may result in a claim for dread disease or disablement must be reported to 1Life within 3 months of its occurrence.

The initial claim documentation must be sent to us within 3 months of 1Life being notified of the event.

Any additional documents required in order to process the claim need to be forwarded to us within 3 months of us requesting them.

How long does it take to pay a claim?

Additional documentation may be required specific to each claim. This will be communicated to the claimant during the process of assessing the claim. Once 1Life have received all of the necessary documentation needed to assess the claim, a valid claim may be paid out within 10 working days.

When would a claim be declined ?

A claim will be declined if:

  • You withhold material information from us at any stage
  • Your illness was caused by excessive consumption of alcohol and drugs or radioactivity and nuclear explosions
  • Exclusions and conditions under which claims might be declined will also be listed in the policybook and policy schedule that is issued to you when you purchase your policy.

Do I have to pay tax on my dread disease pay-out?

No you don’t. Dread disease insurance pay-outs are tax-free so that you can enjoy the full benefit they offer.

Do I have to use my pay-out for medical bills?

No you don’t. You can use your pay-out for any expenses from medical bills to adapting your house to cater for your new circumstances in the event of being diagnosed with a dread disease.

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