AllLife provides comprehensive, pure risk life insurance policies to people living with Type 1 or Type 2 Diabetes Mellitus. Our policies pay out should the life insured die during the term of the policy.

AllLife has an individual and personalised underwriting assessment policy for each client. We gather medical history and synopses of current medical conditions from each client.

We then consult with the potential client, and outline the life cover options that may be specifically available for them.

Yes.

Yes. You can go for your blood test early. The nine-month time period until your next blood test will then run from this new test date.

Always insist that the word “AllLife” is written in the space marked “Copy Doctor” on any of the laboratory forms.

No. AllLife will only accept blood test results from SANAS-accredited laboratories. We have a list of approved laboratories with a nationwide presence. These are:

• Pathcare: 021 596 3800.
• Lancet: 011 358 0800.
• Ampath: 012 344 4518.

If you would like to use other SANAS-approved laboratories, you should call us to confirm that we can accept the results.

We do have a number of necessary exclusions on claims. These include (but are not limited to): claims as a result of suicide or self-inflicted injury, war or other hostile activities, and criminal or terrorist acts.

A full list of exclusions is available in the policy Terms and Conditions. These are available on request from AllLife. 

To qualify for an Optimum Life policy, you must complete the Optimum Life application form, and commit to managing your HbA1C at a level of 8.5% or lower on an ongoing basis. You must also provide a negative HIV test at the inception of the policy. AllLife offers cover to individuals living with HIV who have Type 2 diabetes Mellitus, through our Advantage Life for Diabetics product range.

You need to inform the Customer Service Department on 0861 555 559. The AllLife Customer Service Department will assist with helping you change the payer information to another person.

Speak to one of our AllLife sales consultants. We do need some of your information to give you a quote.

No. This is a pure risk policy and does not have a savings or investment component. No money is paid back at the end of the policy term.

There is no waiting period. Your cover starts immediately after the first premium is received.

AllLife utilises many marketing channels and third-party service providers who are specialists in advertising across direct marketing channels on our behalf. Examples of such mass advertising are SMS, email, and voice messaging that allow people to opt-in, to receive further contact from us. We do not have databases of your personal information and at all times adhere to strict Direct Marketing protocols and the POPI Act.

Funeral cover is designed to cover the burial costs when you pass away. A life cover policy is designed to ensure that your beneficiaries have money available to them in order to continue with life and to take care of everyday living costs. These are all the day-to-day expenses that a funeral plan won’t cover at the time of payout. 

Yes

• Fully completed AllLife claim forms.
• Copy of the death certificate.
• Copy of the BI-1663 (notice of death).
• Copy of the beneficiary’s ID document.
• Copy of the beneficiary’s bank statement.
• Copy of the life insured’s ID document.

Cover ceases to exist after claiming for disability. The disability benefit is an accelerated benefit. Only one claim per policy is allowed.

You call the AllLife Customer Service Department on 0861 555 559. 

You can choose any person to be a beneficiary. The decision is up to you.

It depends on various factors. Should all claims documentation be received by AllLife and there are no outstanding factors, it could take anywhere between 4 to 8 weeks.

This policy only covers you, the life insured. You may elect members of your family or any other person to benefit from the life policy should you pass away. These people you elect are referred to as beneficiaries.

You (for disability claims) or your beneficiaries (for a death claim) need to call AllLife. The claims department will ask you to fill in forms and submit certain documentation.

No. The adherence benefit requires that you go for certain blood tests every 6 months, and these tests are free at public health facilities.

After several warnings (via SMS, email, fax, and/or post) to remind you to remain adherent, non-adherence will result in accidental death benefit cover only. All other benefits will cease.

The life cover provided will expire at the end of the term. If you still require life cover you will need to re-apply. We will be happy to assist you to do so.

Yes. AllLife is an Authorised Financial Service Provider. The AllLife FSP license number is FSP 4946.

If the life insured dies (or becomes permanently disabled, in the case of a life and disability policy) during the term of the policy, the claimant(s) must notify AllLife of the claim as soon as possible. We will assist them to complete the necessary documentation to verify the claim (and verify their rights to claim on the policy) as quickly as possible.

No. We do not require you to be on a medical aid scheme. A medical aid scheme may pay for your blood tests and other medical expenses. Not having a medical aid may result in you having to cover the costs of all blood tests and medication yourself, or needing to access treatment through public health facilities. 

AllLife does not grant loans. You may, however, be able to cede your policy as security to a loan provider.

Yes. However, there will be no refund of premiums already paid, except within the first 30 days of policy inception (where AllLife will refund your premium(s) less any costs we incur).

Yes. You must, however, be in possession of a valid South African Identity Document and provide a copy of this to us with your application. We require a valid SA bank account to collect premiums and pay claims.

AllLife provides comprehensive pure risk life insurance policies to people living with HIV or with Type 1 or Type 2 Diabetes Mellitus. Our policies pay out should the life insured die during the term of the policy.

You will receive several warnings about upcoming blood tests. Failure to go for the tests will result in you being designated uncontrolled. If this deemed uncontrolled period exceeds 6 months (despite warnings), you will be designated permanently uncontrolled.

No. Payment for your Diabetic treatment (and all blood tests required to prove Diabetic control) is for your cost. These costs may be paid as a Prescribed Minimum Benefit (PMB) by your medical aid, managed health care company, or by the public health sector.

Diabetic control is the conformance to a prescribed Diabetes Mellitus treatment regime, designed to maintain blood glucose and HbA1C levels at a safe and healthy level. The life insured is deemed to be uncontrolled if their HbA1C test result is greater than 8.5% for any 2 consecutive scheduled tests (scheduled tests occur every 9 months, although the life insured may undergo more frequent testing if required by their treating doctor). AllLife clearly defines what Diabetic control means in its Diabetic Control and Control Monitoring Policy documents. These documents are in line with the current best medical practice. AllLife monitors Diabetic control through access to individuals’ blood test results and communicates regularly with clients regarding their adherence status.

It is generally accepted that you should maintain HbA1C below 8%. The following guidelines are suggested by the South African Diabetes Association:

• 4 – 6%: Non-Diabetic range.
• < 7%: Well-controlled Diabetic.
• 7% – 8%: Acceptable Diabetic control.
• > 8%: Poor Diabetic control, needs attention.

HbA1c is a measure of the proportion of haemoglobin in the red blood cells that has glucose bound to it. An HbA1c test provides a measure of the average blood glucose level over the last 2-3 months. If your HbA1C level is monitored at regular intervals, it can provide a good summary of the Diabetic control achieved over time. HbA1c should be checked regularly every 3 to 6 months for every Diabetic person. Elevated HbA1C levels provide early warning of potential future complications. If this occurs, your doctor should recommend treatment measures appropriate to your situation to achieve better Diabetic control, and then monitor your HbA1C levels more frequently (e.g. monthly) until better Diabetic control is achieved. Studies have shown that by maintaining controlled blood glucose levels, it is possible to delay or even prevent the potential long-term complications of Diabetes.

Your doctor will tell you. In general, if you were diagnosed with Diabetes after the age of 35; if you have a history of being overweight; and if you have other Diabetic people in your family, you are more likely to be diagnosed with Type 2 Diabetes. If you were diagnosed with Diabetes at a younger age (less than 25 years old) and if you do not exhibit any of the symptoms described above, you will more than likely have Type 1 Diabetes. We offer no specific medical consultative advice in this regard, only general medical advice. You will need to consult a trained medical professional to ascertain your exact diagnosis.

AllLife’s Optimum Life policy range provides pure risk life insurance to people living with Type 1 or Type 2 Diabetes. The policy will pay out should the life insured die during the term of the policy, regardless of whether death is accidental or health-related.