Female dread disease cover

Female dread disease coverAs a mother we know that you will do whatever it takes to care for your family. With 1Life All Woman female dread disease cover you know that you will have access to the care and treatment you need if you or your children ever get cancer. 

Why 1Life Female Dread Disease Cover?

  • A lump sum pay-out if you are diagnosed with a female-specific cancer
  • Cover for up to four children for certain cancers
  • Emergency benefits include Trauma and Assault Helpline, panic button & home invasion assistance
  • Also includes Home Safe Chauffeur, Law for Her & HIV Prevention Benefit

 

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All Woman female dread disease cover, also known as female cancer cover, pays out a percentage of your cover amount if you or up to four of your children get certain types of cancer. It also protects you against systemic lupus, pregnancy related complications and accidental HIV exposure.

Your pay-out can be used to cover costs not paid by your medical aid and to cover basic living expenses while you are recuperating.

Get access to the care you need when you need it with All Woman!

No medicalsNo medical examinations required.

Fixed premiumsNo increase in your premiums for the first 24 months and thereafter they will only increase by 5% per year. (For example, if you are paying R150 per month, the increase after 24 months will only be R7.50)

Guaranteed assurabilityYou can increase your critical illness cover amount without having to undergo a medical on your policy anniversary or if you get married, have a child or buy a new home.

Do you want to find out more? Read our female dread disease cover FAQs.

What are YOU waiting for? Find out just how affordable 1Life Female Dread Disease Cover is.

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We know that the safety of you and your children is all that really matters, your policy includes a number of benefits.

Intelligent PanicFor 24-hour emergency assistance, simply press a dedicated number on your phone and our experienced crisis management team will call you back and help you manage any emergency situation.

Home Invasion ProgrammeA home invasion by criminals could leave you with nothing but nightmares. Pick up the pieces and move on with help from our Home Invasion programme, which offers you multiple benefits from a R100 pre-loaded cellphone, a locksmith and security guard for 24 hours.

Trauma and Assault HelplineSometimes the worst does happen. With the Trauma and Assist Helpline you can get your family the help they need and fight back against rape, assaults and serious illnesses such as cancer.

Home Safe Chauffer serviceHad one too many and don’t want to drive home? Call the Home Safe Chauffer service. The service operates within a 50km radius of the Johannesburg, Pretoria, Durban and Cape Town city centres and is limited to 6 call-outs per year at up to R500 per call-out. Cancer patients can also use the service to get home after treatment.

Law for HerA legal advice service designed specifically for women, Law for Her provides 24-hour legal assistance on maintenance representations and protection orders and arrests as well as help for victims of crime.

Financial needs analysisBenefit from a financial needs analysis before you buy your cover. This means you buy only the cover you and your family need based on your individual circumstances and what you can afford.

The Truth About MoneyAll 1Life policyholders qualify for money management services from The Truth About Money at no extra charge. These services include debt management and counselling, estate planning and financial literacy courses. Find out more about The Truth About Money.

Great benefits - but what about the premium? Find out just how affordable 1Life Female Dread Disease Cover is.

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How is my premium calculated?Your female dread disease cover premium is based on your specific risk profile. This means that factors like your age, gender, occupation and health will all be considered when your monthly premium is calculated.

When will a policy pay out?This product pays out a percentage of the sum assured if the life assured, or up to four children of the life assured, suffers an event as defined in the policy schedule. These events include certain types of cancer, systemic lupus, pregnancy related complications and accidental HIV exposure.

Only one claim will be paid per event. Any claim that is paid out will reduce the amount available for future claims. Once a cumulative amount of 100% of the total sum assured has been paid out, no further payouts under this benefit will be considered and cover will cease.

Cover for children

  • A child is defined as the life assured’s biological child, stepchild or legally adopted child
  • The cancer must require treatment by surgery, radiotherapy, or chemotherapy. The diagnosis must be confirmed with a valid pathology report and a report from an approved specialist
  • The child must be 18 years or younger and unmarried at the date of diagnosis
  • A maximum of 1 claim per child will be covered
  • A maximum of 4 children will be covered
  • A 6-month waiting period will be enforced
  • The benefit paid out on child cancer is 50% of the sum assured or R250 000, whichever is lower
  • Claims should be submitted within 3 years of the birth of a child in the case of claims for conditions relating to congenital abnormalities

Waiting periodYou will not be entitled to claim on certain events covered under this benefit for the duration of the period indicated in your schedule from the date of commencement of this contract. Please see your schedule for the details of any applicable waiting periods.

Pre-existing conditions and exclusionsThe life assured will not be covered for any claim arising from any disease, injury or any other condition, which, in the opinion of your product supplier, is related to a previous disease, injury or other condition for which the life assured has received medical treatment or advice at any time prior to the commencement of this policy.

When would a claim be rejected?A claim will be rejected if:

  • The life assured withholds information from us at any stage
  • Your illness was caused by excessive consumption of alcohol and drugs, radioactivity and nuclear explosions, elective termination of pregnancy or self-inflicted injury

Other exclusions – or conditions under which claims might be rejected – will also be listed in the policy schedule that is issued to you when your purchase your policy.

Read this blog to learn more about why female dread disease cover claims are rejected.

How do I submit a claim?You can find out how to submit a claim on our claims page. 1Life takes claims seriously and endeavours to attend to them timeously. Please speak to a claims advisor on 0860 10 51 96 if you need any assistance or have any queries.

Minimum age of entryYou have to be between the ages of 18 and 59 to purchase 1Life All Woman.

Find out just how affordable 1Life Female Dread Disease Cover is.

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The Truth About MoneyAt 1Life we know that your future is written in how you manage your money. But we also know that South Africans do not always have the money management skills they need to build the future of their dreams. That is why we launched The Truth About Money.

The Truth About Money makes money management services and training available to 1Life policyholders at no charge. These services include the following:

Debt counsellingIf your debt has become unmanageable and you are struggling to make ends meet, The Truth About Money can help! You can register for telephonic debt management and debt counselling services on the Truth About Money website.

Estate mediationWe know how important it is to have your affairs in order, we will help you draft a will for yourself and your spouse or set up a trust for minor beneficiaries. You can also apply for legal advice and mediation if you need help winding up the estate of a relative.

Financial education courseFinancial education is the key to your financial freedom. The Truth About Money offers you access to a digital Financial Education course that you can complete at your own pace at any Boston Campus nationwide. Apply today!

Online advice and informationDo you want to learn more about how you can take control of your finances? Visit our website for tools, tips, news and views!

All of these services are available to successful applicants and 1Life policyholders at no charge!

Visit The Truth About Money website to learn more and register.