1Life

When it comes to securing your family's future, you need a reliable partner who can provide financial protection when you need it the most.

As a South African insurer, 1Life offers you insurance coverage that can give you the peace of mind you need to focus on living life to the fullest.

4 ways that 1Life simplifies insurance

1Life has a passion for making your life better and helping you to create financial security. They do this by offering you comprehensive cover that protects you against a wide range of unforeseen and unfortunate events.

They give you a straightforward application process with no medical exams required. Their premiums are made to fit your budget and the claim they pay out is tax-free. You also get to enjoy their wellness program which provides you with free health checks, expert advice, and lifestyle support.

1Life’s journey to success

The company was founded in 2006 with the vision of providing South Africans with affordable, accessible, and convenient insurance products. They’re part of the Telesure Group, which has a proven track record of success in the insurance industry.

Awards and accomplishments

They’ve achieved level 6 B-BBEE accreditation and have a well-implemented empowerment policy. They also have a healthy solvency CAR and are reinsured by Hannover Re.

They’ve received several awards, including being voted top in the SA Insurance Index by the PWC Annual SA Insurance Sentiment Index 2022.

They also won the City Press Your Choice Competition gold trophy, being ranked as SA's #1 Direct Life Insurer by Swiss Re Reports 2010-2021, having the most loyal customers in SA according to the 2022 SACSI Index, and winning the category for Life Insurance in 2022/23 Ask Afrika Icon Brands Benchmark Survey.

Customer service that goes above and beyond

At 1Life, customer service is not just a department, but a culture. Their team of friendly and knowledgeable experts is available to answer your questions, provide you with advice, and help you through the claims process. 

When it comes to protecting your financial future, you need a partner who understands your unique needs and provides comprehensive cover that gives you peace of mind. That's where 1Life's critical illness cover comes in.

The coverage amount offered by 1Life

With 1Life, you can receive a lump sum payment of up to R4 million if you’re diagnosed with a serious illness. Obtaining coverage is simple and hassle-free, requiring just one phone call and an HIV test.

What exactly is critical illness coverage?

Critical illness cover, also known as dread disease cover, provides a tax-free lump sum payment if you’re diagnosed with a specified dread disease such as cancer, Alzheimer's, heart disease, multiple sclerosis, and more, as outlined in your policy.

This money can be utilised for medical expenses, rehabilitation costs, living expenses, or any other needs you and your family may have. By having this cover, you can focus on your treatment and recovery without worrying about your finances.

The definition of a critical illness

A critical illness is a severe illness that can have a significant impact on your life. This includes diseases such as cancer, cardiovascular and heart disease, stroke, and organ failure, as well as various neurological and gastroenterological conditions. Critical illnesses can not only affect your ability to work but can also result in high treatment costs. This is why having critical illness insurance is crucial.

The things that determine your premium

The premium for critical illness coverage is determined by your individual risk profile, considering factors such as age, health, and lifestyle. Younger individuals typically have lower premiums due to their lower likelihood of being diagnosed with a critical illness. Your current health conditions or medical history are also taken into account, as they may indicate a higher risk for a critical illness. Lifestyle factors, such as smoking, can increase the risk of certain illnesses, leading to higher premiums to reflect the increased risk.

Their innovative approach

They’ve developed a unique wellness program that encourages you to take an active role in your health and well-being. By participating in the program, you can enjoy a range of benefits, including free health checks, expert advice, and lifestyle support.