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Dread Disease Cover

Qualifying Criteria

  • Owns a 1Life policy with pure life cover
  • Between the ages of 18 and 65 years
  • South African citizen
  • Bank account that allows a monthly debit order

You can add value to your 1Life policy with our optional dread disease cover, which provides a payout if you suffer from an illness like cancer or organ failure.

Features

  • Pays a percentage of your cover amount (from R50 000 to R4 million) if you suffer a dread disease, such as cancer or undergo a major heart operation or organ transplant
  • If the full dread disease benefit is paid out, your other cover amounts for pure life and disablement will not be affected
  • Covers you for the whole of your life
  • Includes a Guaranteed Assurability option, meaning that you can increase your cover amount with limited underwriting or on your third policy anniversary, if your lifestyle changes; for instance, when you get married, buy a home or start a family.

Benefits

  • Cover additional medical expenses, such as the hiring of a nurse to assist you at home
  • Pay for counselling to assist you to cope with the dread disease.

What it Costs

Your dread disease cover will form part of your 1Life policy. Your premium is based on your specific risk profile (each client is different) and this will have an impact on how much you will pay.

Brian enjoys the simple things in life. He and his wife both have full time jobs, but they love spending quality time with their two children, James and Amy. Although Brian is only 35 years old, he worries that should he become disabled or suffer a dread disease, that he will be a burden to his wife, Sue and their two children. As a General Manager at an insurance company, Brian can get
R2 million life, R1 million disability and R1 million dread disease cover from 1Life for around R908 per month.*