Don’t risk a reduced or rejected claim.
Before being granted life insurance, applicants often undergo medical tests as part of the underwriting process. While medicals are not required for 1Life life cover policyholders, they do have to take an HIV test. It is important for all policy holders to understand that failing to take the test could mean that their family’s claim against their policy is reduced or even rejected. Let’s take a closer look.
If you buy 1Life Pure Life Cover then the life assured must take an HIV test within three months of the commencement date of the policy. (Policy commencement date is the first day of the month that you chose for cover to commence).
There are four methods by which you can have your HIV testing done:
- You can have a blood test done at any of the following pathologists: Lancet Laboratory, Pathcare, Ampath or Global Laboratory.
- You can opt for a saliva test, which is a simple mouth swab with a cotton bud, at any participating Link Pharmacy.
- You can contact 1Life and arrange for a travelling nurse to come to your home or place of work.
- You can schedule an appointment with a 1Life nominated doctor (blood test only).
Test results are sent directly to 1Life and treated with the utmost confidentiality. We cannot under any circumstances disclose the results to you or anyone else. If you wish to know the results, they can be sent to the doctor you nominated on your policy.
Depending on these results, 1Life will provide you with the cover you requested or reduce your cover to accidental cover only at a reduced premium. Accidental cover means you will only be covered if your death is an accident, for example if you die in a car crash. You will not be covered if you die of natural causes, such as cancer.
- Remember to take along your ID book and policy number when you go for your test.
- Use our online geo-mapping tool to find your nearest pathologist or participating Link pharmacy.
If you do not take the test within the required 3 months, you cover will be changed to accidental cover only. This means that if you die of natural causes, for example TB or cancer, your family’s claims against your policy will be rejected!
Also because of this initial delay, once you have taken the test, you might have to go through telephonic underwriting again to ensure that your risk status has not changed. This means that we will contact you to ask you our underwriting questions again. A decision will then be made as to whether we can convert you from accidental cover to a full life cover policy and how much cover we can grant you.
If you have not taken the test in time, contact us on 0860 67 06 70 as soon as possible to discuss your options.
South Africa’s HIV Testing Protocol, which regulates HIV testing for insurance purposes, has been acknowledged as one of the best in the world. The protocol sets out quality standards for HIV testing and addresses aspects such as pre- and post-test counselling. So, don’t be afraid to take your HIV test - you are in good hands!