HIV Terms and Conditions

Download this PDF to ensure you understand the Terms and Conditions of your life cover policy. 

Everything you need to know about HIV life insurance

Life insurance should not be hard to understand. We help, by breaking down all the details. AllLife have compiled a document explaining the Terms and Conditions for our HIV life insurance product. Download the PDF for full information on your HIV life insurance policy.

Frequently Asked Questions

How are claims paid?

The beneficiary/ies, and/or cessionary/ies, or any other nominated person, such as the executor of the estate, needs to notify AllLife or The Insurer of the claim and submit full documentation. On admission of the claim, The Insurer will make payment to the nominated beneficiary/ies and/or cessionary/ies.

Who pays for my medical examinations and blood tests?

The Life Insured or the Policy Owner is responsible for the costs of all regular blood tests. AllLife’s requirements are in accordance with accepted best practice regarding HIV monitoring, and as such should form part of an HIV-positive individual’s normal HIV monitoring protocol. AllLife is not responsible for any of the medical costs associated with adherence.

How do I pay my premiums?

AllLife will only collect your monthly premiums via a debit order lodged on your bank account. No cash payments will be accepted. Should you miss a payment, you may directly deposit or EFT the amount into AllLife’s bank account, listing your Policy number as a reference. Please contact our call centre on 0861 255 543 to ensure that the appropriate procedure is followed.

Can I increase my cover?

Yes. You are welcome to apply for additional cover. A new Policy will be issued, subject to the application being approved by AllLife and The Insurer.

Can I reinstate a policy that has been cancelled?

If your Policy is cancelled as a result of non-payment, you may apply to AllLife to have your Policy reinstated. Such applications will only be considered provided you are able to prove that your (ART) adherence status has not changed during this lapse period. If you are still adherent, then upon receipt of the full amount outstanding, your Policy may be reinstated at the sole discretion of AllLife.

What happens if I miss a payment?

Making a payment is the responsibility of the Policy Owner, however, AllLife’s normal practice is to inform you (via email, fax, letter or SMS) of the non-payment of a monthly premium.

This Policy allows you to miss up to five consecutive monthly premiums. Where any monthly premium(s) has/have not been paid during the six month period immediately preceding a claim (or whatever period has elapsed since the Commencement Date, where this is less than six months), the benefit claimable will be in proportion to the number of monthly premium(s) received during this period.

We will attempt to collect the monthly premium payable under this Policy by debit order on the agreed debit day each month. Where this debit order is returned unpaid, your benefit will be temporarily reduced as set out above. If you want to maintain full benefits under this Policy, you may choose to make up this missed payment.

What factors affect the cost of my life cover?

The most significant factor in determining the cost of cover is the health of the Life Insured, and their commitment to starting (or continuing) an approved ART regimen. Failure to adhere to the adherence protocol, outlined in this document and during the application process, will have affect the level of cover you enjoy.

In addition, a number of other factors such as the duration (term) of the Policy, the Life Insured’s age, gender, overall health, and occupation, affect the cost of your cover.