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FAQ - Expense protector

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:

  • 100% lump sum : 0% monthly
  • 75% lump sum : 25% monthly
  • 50% lump sum : 50% monthly
  • 25% lump sum : 75% monthly
  • 0% lump sum : 100% monthly

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.

No, you don’t have to be an existing client to make use of this product.

You can only purchase expense protector on its own.

You have to be between the ages of 18 and 59 to purchase income protection cover from 1Life.

Yes, you will have to undergo an HIV test in order to qualify for 1Life Expense Protector.

There is no cost to you to complete this test.

You can do your HIV test via blood test at any Clicks Pharmacy.

1Life will help you to find the closest laboratory in your area, to enable you to complete the test. Visit our Find a Lab or Pharmacy page for more information.

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.

As the cover amount is payable to the life assured, the pay-out can only be made to them. Upon death, the cover falls away.

Yes there is an age limit for this cover type. You can take out expense protector anytime between the ages of 18 and 60. However your cover level will decrease from your 60th birthday, where your cover expires when the life assured turns 65 or you reach your selected retirement age, whichever is earlier.

Yes. You have the option to increase your benefit pay out by 5% when you first take out the insurance, as well as when you submit a claim.

No. 1Life Expense Protector is designed to help you pay monthly expenses if you are ever unable to work due to disability. Your monthly pay-out should be used to pay your monthly bills such as school fees, bond, groceries etc.

A deferment period, as indicated in the policy schedule, will be applied to your 1Life Expense Protector policy. This means a set number of days, as detailed in the schedule, need to pass after the occurrence of an event that leads to a claim before you are entitled to receive your benefit.

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.

A claim will be rejected if the following causes the disability:

  • Participation in war, civil unrest, riots or terrorism
  • Participation in criminal activity
  • Radioactivity and nuclear explosions
  • Failure to obtain and/or follow reasonable medical advice
  • The life assured wilfully and materially breaking any law
  • Material misrepresentation or non-disclosure of information before the commencement date
  • Self-inflicted injury or illness
  • Excessive consumption of alcohol and or drugs
  • Participation in any hazardous sport or pursuit, unless the life assured informed us of this activity

Please refer to your policy book for a complete list.

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

If you need to lodge a claim with 1Life, the following procedure would need to be followed:

  • Call the claims department on 0860 10 51 96, where one of our dedicated claim consultants will assist
  • The claims consultant will provide you with the initial documentation required to process the claim
  • Completed forms need to be sent back to 1Life via one of the following:
    • Fax: 0860 10 51 97
    • Email: [email protected]
    • Postal address: PO Box 11250, Johannesburg, 2000

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