You must ensure you notify 1Life in the event of:
The recovery rate for COVID-19 globally is close to 94% and therefore, as most people recover, it is not automatically classified as a dread, disability or severe illness. Therefore, any claims with regards to this disease need to be decided on a case by case basis – following the above frameworks.
Coronaviruses are a large family of viruses which may cause illness in animals or humans. In humans, several coronaviruses are known to cause respiratory infections ranging from the common cold to more severe diseases such as Middle East Respiratory Syndrome (MERS) and Severe Acute Respiratory Syndrome (SARS). The most recently discovered coronavirus causes coronavirus disease COVID-19.
COVID-19 is the infectious disease caused by the most recently discovered coronavirus. This new virus and disease were unknown before the outbreak began in Wuhan, China, in December 2019.
The most common symptoms of COVID-19 are fever, tiredness, and dry cough. Some patients may have aches and pains, nasal congestion, runny nose, sore throat or diarrhea. These symptoms are usually mild and begin gradually. Some people become infected but don’t develop any symptoms and don't feel unwell. Most people (about 80%) recover from the disease without needing special treatment. Around 1 out of every 6 people who gets COVID-19 becomes seriously ill and develops difficulty breathing. Older people, and those with underlying medical problems like high blood pressure, heart problems or diabetes, are more likely to develop serious illness. People with fever, cough and difficulty breathing should seek medical attention.
People can catch COVID-19 from others who have the virus. The disease can spread from person to person through small droplets from the nose or mouth which are spread when a person with COVID-19 coughs or exhales. These droplets land on objects and surfaces around the person. Other people then catch COVID-19 by touching these objects or surfaces, then touching their eyes, nose or mouth. People can also catch COVID-19 if they breathe in droplets from a person with COVID-19 who coughs out or exhales droplets. This is why it is important to stay more than 1 meter (3 feet) away from a person who is sick.
WHO is assessing ongoing research on the ways COVID-19 is spread and will continue to share updated findings.
You can reduce your chances of being infected or spreading COVID-19 by taking some simple precautions:
While we are still learning about how COVID-19 affects people, older persons and persons with pre-existing medical conditions (such as high blood pressure, heart disease, lung disease, cancer or diabetes) appear to develop serious illness more often than others.
COVID-19 is an illness and as such, does not classify as accidental death. Therefore, this is not covered under the accidental death benefit.
Normal claims requirements would apply, should you pass away from a COVID-19 related death. This includes, a death certificate, proof of policy, beneficiary details, etc. For more information on claims requirements, contact us.
Yes, we cover you whether the disease was contracted locally or abroad - as long as you have full life cover and a valid claim.
Life cover is the financial protection your family needs against your death and the loss of your income. A pay-out from a life cover policy can be used to cover daily living expenses, allowing your family to maintain the standard of living they are accustomed to. It can also be used to pay off your debt, including your home loan.
In the event of your death, your sum assured will be paid to your nominated beneficiary or beneficiaries. Please ensure that we have their most up to date contact details. If you recently married, divorced or remarried, had a child or started caring for a family member, please update your beneficiary details to ensure that the right people will be taken care of.
Contact our client services team to update the beneficiary details on your policy.
You should consider updating your will if, for example, you get married or divorced, purchase or sell any assets, have or adopt a child, start caring for a family member or if a family member passes. This will ensure that your assets are distributed according to your wishes and the correct beneficiaries are provided for. Remember to tell your family where your will is kept and how they can contact your executor.
Don’t have a will? Download a free will template here.
COVID-19 causes infection so is not considered a dread disease. Therefore, you would not be able to claim for dread disease. A claim will however be considered should COVID-19 result in a dread disease – normal claims validation processes will apply.
Should a COVID-19 infection create complications leading to a dread disease covered by 1Life, a claim can be considered. For a list of dread diseases covered please refer to the policy book.
Yes, provided you have had funeral cover of a similar nature with another insurer 31 days before moving over to 1Life.
Should you not have had similar cover within 31 days prior to your application, a 6-month waiting period will apply, meaning you would only be able to claim after the first 6 months from the commencement of your policy. General exclusions may apply, please refer to your policy documents.
Yes, all valid claims will be paid out should a policyholder/person covered on the policy pass away from COVID-19 related, or other, causes.
If you have not been medically tested, referred by a medical professional or been medically diagnosed, you will not be able to claim for income protection on the 1Life Expense Protector. Similarly, should you show no symptoms of COVID-19, you will not meet the criteria for a valid claim as the intention is to cover illness specifically.
If you have clear COVID-19 symptoms and have been medically assessed and tested positive for COVID-19, you can submit a claim which will follow the normal claims validation process.
You would need to ensure that you have a valid medical certificate indicating that you have tested positive for COVID-19.
Expense Protector kicks in when your income is compromised. Therefore, if your income is not compromised you will not be able to claim.
Should your income be compromised then it will pay out, subject to the claims validation process.
The purpose of Expense Protector cover is to provide cover in the event that you do not receive your regular income due to incapacitation, as a result of either illness or injury. As such, you would not be able to claim for this under Expense Protector.
Only accidental causes of incapacitation are covered under your Accidental Expense Protector if claim criteria are met. As COVID-19 causes illness, any incapacitation that results in you not receiving regular income is not covered.
Your disability cover pays out in the event of permanent disability and therefore, you would not be covered in this event.
Disability insurance covers you for any illness that renders you totally or permanently disabled to perform your own or similar occupation. As such, should COVID-19 illness result in such disability, you would be covered.
This will be assessed on a case by case basis if you are covered for occupational based disablement. However, it may possibly be covered if you contract COVID-19 and you develop complications due to this disease. You would need to meet the below criteria to be considered for a claim under this benefit i.e.