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Introduction to dread disease cover

Dread disease cover, also known as critical illness cover, gives the insured financial protection should you fall victim to a serious illness like cancer or a heart attack.

A 1Life Dread Disease Cover policy pays out a tax-free lump sum if the insured person is diagnosed with one of the illnesses listed in his/her policy document. This pay-out can be used to cover medical expenses not covered by a medical aid, especially out of hospital expenses, or to pay basic living expenses while the insured recuperates.

For some, a critical illness might mean a reduced life expectancy. Your pay-out gives you the funds you need to work less, or even stop working completely, and spend time with family members without worrying about medical bills.

Female dread disease cover gives women financial protection against female-specific cancers such as breast or cervical cancer. Up to four children can also be insured against cancers like leukaemia and brain tumours.

Who needs dread disease cover?

You need 1Life Dread Disease Cover if you don’t want to have to worry about money when you are seriously ill. With dread disease cover you can focus on what is important – your recovery!

How much do you need?

When working out how much cover you need you should consider how much debt you have, how much you spend and save every month and your long-term savings goals, for example university education for your children. Use our online financial need analysis to work out how much you need. 

Take note

There are some cases in which dread disease cover, also known as chronic illness cover, will not pay out, for example if the insured person dies as a result of a drug overdose or a criminal act. Each insurer lists different exclusions – i.e. conditions under which your policy will not pay out – so be sure to read your policy documents carefully.

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