Buy life insurance

Terms and conditions:

• This policy has been purchased to insure my own life.
• We require an HIV test on the life assured to be submitted within 3 (three) months of commencement of cover. A blood test or cheek swab can be done at your nearest Clicks Pharmacy Clinic, pathologist or private clinic. Should this not be supplied within the required period, the life assured's cover will automatically be changed to accidental death only and premiums will be reduced accordingly.
• Please note that your premiums for your cover will remain the same for 2 years. After this period, there will be a compulsory annual premium increase of 5% per year. Any additional cover taken out will be increased pro-rata, on the anniversary date of your initial cover and annually thereafter.
• Although premiums are not expected to change, they are subject to review from time to time. In this case, the premium for your cover will be guaranteed for 5 years and if it is reviewed, the first five-yearly increase is guaranteed not to exceed 15%.
• If there is a change in one or more of the following, please notify us:
  • You start or recommence smoking.
  • You travel outside of South Africa for 14 (fourteen) consecutive days
  • You start or alter your participation in a hazardous pursuit
  • You change your nominated occupation
  • Refer to your policy schedule for any and all exclusions, restrictions, waiting periods and loadings.
  • 1Life will not pay a claim if the death of the life assured was, in our opinion, as a result of the life assured's own act within two years of commencement of the policy
• In the event of a claim, we require you to waive any rights of privacy giving us permission and consent to obtain any information (medical or otherwise) relevant to any assurance policy or claim concerning you.
• All policies are referred to our quality assurance and medical underwiriting team for final acceptance, should your policy not be accepted you will be notified within 5 working days
• If we find that information provided to us was incorrect or certain details were withheld, either at application stage or at a time when changes were made to the policy, in our opinion, material to the assessment of the risk, we may reject your claim, future claims or cancel the policy.