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What is female dread disease cover

29 November 2022
3 minute read

As a woman, it's important to be aware of the life-changing effects of female-specific cancers like breast or cervical cancer. 1Life All Woman (female dread disease cover) protects you and your family financially if you are diagnosed with a female-specific cancer, providing a pay-out that can be used to cover medical bills and living expenses while you recuperate. In addition to covering the policyholder, up to four children are also covered.

What does 1Life All Woman (Female Dread Disease Cover) cover?

A 1Life All Woman policy covers female-specific cancers and other medical conditions as specified in the policy book. The cover includes female-specific cancers such as breast, cervical or ovarian cancer, systemic lupus and certain pregnancy complications.

You also have the option to cover up to four of your children on the policy. The cover extends to certain childhood cancers, such as leukaemia, lymphoma, and brain tumours, as well as specific diagnoses related to pregnancy and birth complications. Your policy schedule and policy book provide a comprehensive list of what your children are covered for, and this cover applies to children from birth up to their 18th birthday, including stepchildren and those who have been legally adopted in South Africa.

Your monthly premium is determined based on your unique risk profile, which takes into account various factors such as your age, occupation and medical history.

Increasing your female dread disease cover

With 1Life All Woman, you can increase your cover at any time once the policy has been issued, up to the maximum amount you qualify for. You may need to undergo further medical underwriting and your premium will be adjusted according to the new sum assured.

Female dread disease policy exclusions

Your 1Life All Woman female dread disease cover policy may have certain policy exclusions. For example, the life assured may not be covered for any claim arising from a disease, injury, or condition that is related to a previous medical treatment or advice received prior to the policy's commencement. Additionally, a claim may be rejected if:

  • The life assured fails to disclose relevant information
  • The illness was caused by excessive alcohol or drug consumption, elective termination of pregnancy or self-inflicted injury

The policy schedule provided at the time of purchase or policy amendment will list any additional exclusions or conditions under which claims might be rejected. Certain pre-existing conditions may not be covered by the policy.

How to claim for female dread disease cover

If you or up to four of your children are diagnosed with one of the illnesses listed in your policy schedule and policy book, your policy pays out a percentage of your cover amount. At 1Life Insurance, we strive to process and pay out valid claims as promptly as possible, once we receive all the necessary documentation to assess and validate the claim.

To claim on your 1Life All Woman policy, you need to follow a few simple steps. First, contact the 1Life Insurance claims department as soon as possible after you have been diagnosed with a condition listed in your policy book. You will need to provide your policy number, full name, and the date of diagnosis. You will also need to submit a completed claim form and any other documents requested by the insurer. Once your claim is approved your benefit will be paid out to you tax-free.

Why choose 1Life All Woman female dread disease cover?

1Life All Woman offers several benefits to help you protect yourself and your family:

  • Fixed premiums for the first 12 months with no increases guaranteed as per the current All Woman schedule benefit table
  • No medical exams or checkups required
  • Free emergency benefits, including a panic button, Crime Victim Assist and Home Safe Chauffeur Service
  • Law for Her, a 24-hour legal advice service for women

1Life All Woman provides financial protection against female-specific illnesses such as breast and cervical cancer. Importantly, it covers up to four children as well. The policy offers fixed premiums for 12 months, hassle-free cover, and a range of additional benefits to help protect you and your family.

The views and opinions expressed in this article are those of the authors and do not necessarily represent or reflect the views of 1Life Insurance or its employees.

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