Female dread disease cover is a policy designed for women and their children. It pays out a lump sum to you if you are diagnosed with a female specific disease or experience certain pregnancy complications. It also provides cover if your children are diagnosed with certain cancers.
Whether or not you are eligible for this cover will depend on your family’s health, your medical history, lifestyle and type of employment. If you do qualify, your monthly premium will be based on factors such as your age, gender, health and occupation.
You could be covered for female specific cancers such as breast, cervical or ovarian cancer, systemic lupus and certain pregnancy complications. A complete list of what you will be covered for is available in the 1Life policy book.
Yes, the age limit for purchasing of this product is 59 years old turning 60.
The 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.
Waiting periods are determined by your risk calculated at the inception of the policy. The waiting periods will be listed in the policy schedule that you will receive when you take up the insurance.
No, there are no complicated medical tests that you or your children need endure.
The remainder of your cover amount remains in place until you claim again.
You can cover up to 4 children on this policy. This includes stepchildren and children adopted in terms of South African law.
Children can be covered from birth to their 18th birthday.
Your children can be covered for childhood cancers such as leukaemia, lymphoma and brain tumours, as well as any certain diagnoses related to pregnancy and birth complications. For a full list of covered events, please consult the 1Life policy book.
Cover may be increased, at any time once the policy has been issued, to the maximum amount that you qualify for. Further medical underwriting and an HIV test may be required. Your premium will be adjusted according to the new sum assured that has been requested and the additional cover will start on receipt of the new premium.
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.
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:
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.
Some claims may result in a full pay-out, while others in a percentage pay-out.