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1Life Expense Protector helps you pay your bills if you are temporarily disabled by an illness or injury. You decide how much cover you will need and how much you would like to be paid out monthly.
If you rely on your monthly income to pay expenses like your bond, school fees and groceries, and would struggle to survive for some months without a salary, salary protection is advisable.
1Life Expense Protector is a type of salary protection insurance that pays out if temporary disability results in a loss of income. You pay a monthly premium, and if you are temporarily disabled by an accident or illness, and unable to work, your policy will pay out as a lump sum, or a lump sum and a monthly amount. So you can cover your living expenses until you are able to return to work. Without it, your family is financially at risk in the event of an accident or illness.
You can get cover online or with just 1 simple call, immediate underwriting and no paperwork!
Get hassle free and convenient cover with no medical exams required just a simple HIV saliva swab that you can take at a Clicks or Dischem pharmacy near you.
Your policy has no waiting periods and you are covered immediately for accidental disablement.
Isn’t it good to know that with a 1Life Expense Protector policy, you can bank on no premium increases, guaranteed, for the first 12 months of your policy.
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Choose to increase your benefit pay-out by 5% when you start your policy or submit a claim.
You choose between a lump sum and a monthly pay-out.
1Life Expense Protector, a type of income protection, is an innovative disability insurance policy designed to protect you and your family against the financial implications of disability and loss of income. The policy pays out your sum assured amount monthly if you become temporarily disabled up until you return to work or retire. Your payout depends on the type and amount of cover bought.
You decide how much cover you might need as well as how much you would like to be paid out monthly. You can choose to split your benefit between a monthly pay-out or a total lump sum pay-out as follows:
Disablement cover normally pays out a lump sum if the policyholder is permanently disabled. 1Life Expense Protector is designed to help you cover your monthly bills while you recover from a disabling injury before you return to work.
Yes, you will have to undergo an HIV test in order to qualify for 1Life Expense Protector.
DebiCheck is a way you control how certain debit orders are taken out of your bank account. You confirm this once, at the start of the contract. This is done to inform your bank that you give permission for the money to be taken from your account. Find out more here.
No, however there is a deferment period from the date you are diagnosed. This is the period of time that has to lapse, after occurrence of an event that leads to a claim, before you are entitled to receive a benefit.
Call one of our claim consultants on 0860 10 51 96. The consultant will explain the claims process and will provide you with information on the documents required to process the claim. E-mail the forms back to us:
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