My 1Life Policy

Your life cover HIV test

Posted  August 11, 2015

With 1Life you get cover over the phone or online via your mobile, tablet or desktop. Your underwriting and policy are concluded in one call and there is no need for medical examinations. The only requirement is to complete an HIV test. Taking the test is simple and convenient – and 1Life were the first insurer to provide saliva testing, which is great if you are afraid of needles! Find out all you need to know here and get your test today!

Who has to take an HIV test?If you bought or are considering buying Pure Life Cover from 1Life then you as the life assured have to get an HIV test.

How long do I have to take the test?You have to take the test within three months of your policy commencement date. Policy commencement date is the first day of the month that you chose for cover to commence.

How do I take the test?There are two ways that you can do the HIV test:

  • A blood test, which can be done at any Lancet or Global Laboratory countrywide
  • A saliva test, via a simple cheek swab, which can be done at any one of our prescribed Link Pharmacies

Our consultants will help you to find the closest laboratory or pharmacy in your area or you can visit the Find a Lab or Pharmacy page.

In certain areas we can even arrange for a nurse to visit you at your home or office to complete a blood or saliva test with you. Contact us on 0860 10 51 94 to arrange an appointment.

What is the process after I have taken my test?1Life will receive and store your results securely shortly after you have completed your test. However we cannot under any circumstances whatsoever disclose any results. Should you require the results of the test, we can send this information to the nominated GP on your policy.

We may require that you go through the underwriting process again to confirm your cover and we will make contact with you to ask the necessary questions. You will then receive your confirmation of cover.

Don’t forget!Take along your ID book and policy number when you go for your test.

What happens if I don’t take the test in time?This is very important. If you don’t take the test within three month your cover changes to accidental cover only. This means that your policy will only cover you for accidental death, for example a car accident. It will not pay out if you die of natural causes, such as cancer.

If you take the test after the three months are up, you may have to undergo underwriting again to ensure that your risk status has not changed. Underwriting is a process of asking you the life assured questions related to your medical and family history to help us establish your risk status and premium. Once we have completed the underwriting we will be able to review the level of cover we are able to offer and whether we can convert you back from accidental cover to a full elevated life cover policy.

1Life will contact you to remind you, but the onus is on you the life assured to ensure the HIV test is completed.

So, what can I do if I did not take the test in time?You can contact us on 0860 10 51 94 and we will arrange for you to take the test at a time and place most convenient for you.

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