Pure Life Cover

1Life Basic

• Pays out from R50 000 to R200 000 life cover to a beneficiary/ies of your choice in the event of your death
• R25 000 funeral benefit is paid out to your beneficiary/ies 48 hours after a valid claim has been submitted*
• Includes a terminal illness benefit - if you are diagnosed with a terminal illness and your life expectancy is less than 12 months, your cover amount will be paid out
• Death due to natural causes is covered after 2 years
• Your premiums remain fixed for the first two years
• Your cover amount will not decrease while your policy is active
• Covers you for the whole of your life
• Covers you immediately for accidental death
• Suicide is covered after the first two years
• Provides access to Expo-Sure, a confidential HIV testing and treatment programme for accidental exposure.

   *Terms and Conditions apply

1Life Elevated

• Pays out from R200 000 to R6 million life cover to a beneficiary/ies of your choice in the event of your death
• R25 000 funeral benefit to be paid out to your beneficiary/ies 48 hours after a valid claim has been submitted*
• Includes a terminal illness benefit - if you are diagnosed with a terminal illness and your life expectancy is less than 12 months, your cover amount will be paid out
• Includes a Guaranteed Assurability option, which means that you can increase your cover amount if your lifestyle changes
• Your cover amount will not decrease while your policy is active
• Covers you for the whole of your life
• Covers you immediately for accidental and natural death
• Suicide is covered after the first two years
• Provides access to Expo-Sure, a confidential HIV testing and treatment programme for accidental exposure.

* Terms and Conditions apply

Benefits

• Your loved ones will have the financial stability that they need when you are no longer here to support them
• You can alleviate the burden of any outstanding debt you may have, so that your loved ones do not have to worry about this
• Our funeral benefit will offer your loved ones some immediate financial relief, and can be used to cover those unexpected expenses including but not limited to funeral expenses
• If your lifestyle changes in future, (e.g. when you get married, buy a home or start a family) you have the option to increase your life insurance cover with us, which provides you with greater peace of mind.

What it Costs

Your premium is based on your specific risk profile (each client is different) and this will have an impact on how much you will pay.

Take Linda for example. She is a 28-years old personal assistant who has just found out that she is pregnant and is very excited to share this news with her mother. Linda hopes for a daughter and has spent some time imagining what her child will grow up to be. Linda can get R200 000 life cover from 1Lifedirect for around R52 per month. This will ensure that, should Linda not be around one day, her daughter will never be denied the opportunities that Linda wants so much for her.

1Life Policy Book

Expo-Sure

Our Expo-Sure product provides immediate emergency assistance in the event of suspected accidental exposure to HIV/Aids, such as rape. The risk of contracting HIV is significantly reduced if action is taken within 72 hours of being exposed to the virus. For child rape, the period to take action is much shorter than that of an adult.

• This service is available to you and your immediate family
• Once at the doctor, you will be provided with a free HIV-test and in the event of the test being negative, with anti-retroviral medication
• Where necessary you will also be provided with Sexually Transmitted Diseases (STD) therapy and the morning-after pill
• In the event of the test being positive, you will be provided with STD therapy and the morning-after pill
• An ongoing phone-in counselling service will be provided to all users of this service
• Counselling to the value of R3 000 per family is provided per incident
• In the event of the unfortunate incident of rape in your home you will be given R2 000 for home security improvements.

One phone call to 1Lifedirect provides access to over 2 800 doctors in medical centres throughout the country. By simply dialling 0860 10 51 95 from any cellphone or landline, you will have access to all of these benefits, 24 hours a day, 7 days a week, 365 days a year.

Please click here to view our Expo-Sure brochure (PDF).