Get up to R10 million HIV Life Insurance.

Premiums start from less than *R5 per day, and your insurance lasts for the rest of your life, with no waiting period.

Your insurance starts from the first day you pay your premium and, for little extra, you can choose to receive up to 75% of your premiums back if you’re disabled or unable to work. It’s cash when you need it most.

*Risk Profile Dependent, Premiums increase by 6% every year and can be reviewed given 30 days notice.
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What will I be covered for?

With just one phone call, you could have comprehensive HIV Life Insurance and HIV Disability Cover (optional). A simple underwriting process is completed once you’ve signed up, usually consisting of common blood tests, to determine if full cover can be continued.

You get more than just a life policy. You get a team that helps you stay healthy.

What happens after I’m covered?

Once you’re all signed up and covered, you can enjoy the benefit of our Health Programme. Our Health Monitoring Programme helps you, by reminding you of important tests and check-ups, helping you live a healthy, happy life.

Our life products provide cover in the event of the death of the life insured, whether this was due to an accident or a health-related issue. 

We all have questions.

Below are some of the answers to the most common questions that you need to know.

What is usually the first sign of HIV?

After getting infected with HIV, most patients only experience moderate flu-like symptoms. Typically, the illness is sudden in onset and is characterised by fever, swelling of the lymph glands, a measles-like rash all over the body and ulcers in the mouth and sometimes on the genitalia.

What are the 4 stages of HIV?
  • Stage 1: Infection – Exposure to infected bodily fluids.
  • Stage 2: Asymptomatic – HIV quickly spreads and the patient becomes seropositive for HIV antibodies.
  • Stage 3: Symptomatic – The immune system is now engaged in a constant battle with the rapidly replicating virus.
  • Stage 4: AIDS – At this stage, the patient’s CD4+ count is 200 cells per mm3 or less.
How soon can HIV be detected by a blood test?

No test can detect HIV immediately after infection. The time between initial infection and a detectable viral load is called the window period. It can take anywhere from 2-12 weeks to after exposure detect whether you are HIV-positive or not, depending on which testing method is used.

How long does it take to show symptoms of HIV?

Following initial infection, there is a period of intense, unchecked viral replication that occurs. It usually takes two to four weeks after infection and can last about one to two weeks, after which there tends to be a slight recovery, and the infected individual is considered to be seropositive for HIV antibodies.

How is HIV transmitted?

HIV is transmitted from one person to another through the exchange of body fluids. The main method of transmission in South Africa is through unprotected sexual activity.

Does HIV test affect life insurance?

Being HIV-positive can affect standard life insurance policies, particularly if your status changes from HIV-negative to HIV-positive within a particular age range. That’s why AllLife covers all lives. Your HIV status doesn’t prevent you from getting cover with us.

Can HIV-positive women have children?

Yes, HIV-positive women can enjoy healthy pregnancies and give birth to healthy HIV-negative babies. Through the Prevention of Mother to Child Transmission (PMTCT) programme has been highly effective in reducing transmission risk to under 1%.

Get the facts about HIV.

A guide to understanding HIV.