All Women Policy Brochure
The love and support you give to your family, even when the unthinkable happens, make you irreplaceable. That’s why we offer our All Woman Dread Disease cover, which is specifically designed for women. It makes sure your loved ones are looked after no matter what.
We will pay out a percentage of the sum assured stated in your schedule if you, the life assured, or up to four of your children suffer an event as defined and according to the criteria described in the tables below. Only one claim will be paid per event, and any claim that is paid out will reduce the amount available for future claims. Once a cumulative amount of 100% of the total sum assured has been paid out, no further pay-outs under this benefit will be considered and cover will cease.
You don’t need to have an existing life policy with 1st for Women, as All Woman Dread Disease cover can be taken out on its own.
Definition of a child: The life assured’s biological child, stepchild, or legally adopted child. The cancer must require treatment by surgery, radiotherapy, or chemotherapy. The diagnosis must be confirmed with a valid pathology report and a report from an approved specialist.
- The child must be 18 years or younger and unmarried at the date of diagnosis
- Maximum of one claim per child
- A maximum of four children will be covered
- A six-month waiting period will be enforced
- The benefit paid out on child cancer is the lesser of 50% of the sum insured or R250,000
- Multiple claims are allowed; however, all cover under this policy falls away once a 100% of the sum insured is paid out.
Expiry of cover: Cover is on a whole-of-life basis and will expire once 100% of the total sum assured has been paid out.
Waiting period: You will not be entitled to claim on certain events covered under this benefit for the duration of the period indicated in your schedule from the date of commencement of this contract. Please see your schedule for the details of any applicable waiting periods.
Pre-existing conditions exclusions: The life assured will not be covered for any claim arising from any disease, injury or other condition which, in the opinion of your product supplier, is related to a previous disease, injury or other condition for which the life assured has received medical treatment or advice at any time prior to the start of this policy.
Claims should be submitted within three (3) years of the birth of a child in the case of claims for conditions relating to congenital abnormalities.
The different events covered and their definitions under this policy are as follows:
|
EVENT |
Payout (as a percentage of total sum assured) |
|
|
CANCER |
25% payout |
100% payout |
|
A malignant tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells and invasion of tissue. The term malignant tumour includes leukaemia, lymphoma and sarcoma.
Cancers covered are:
|
Stage 1 and 2 cancer |
Stage 3 and 4 cancer |
|
Specific exclusions:
|
||
|
PREGNANCY COMPLICATIONS (covering you and your child): |
|
Pregnancy complications covered:
Complications affecting the newborn that are covered:
|
20% payout
|
|
CHILDREN’S CANCER (covers cancers affecting your children): |
|
|
Definition of cancer: A malignant tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells and invasion of tissue. The term malignant tumour includes leukaemia, lymphoma and sarcoma.
Childhood cancers covered include:
|
The lesser of 50% and R250 000 payout |
|
Specific exclusions:
|
|
|
ACCIDENTAL HIV INFECTION AS A RESULT OF A VIOLENT CRIME INCLUDING RAPE |
|
|
40% |
|
SYSTEMIC LUPUS ERYTHEMATOSIS |
|
|
Systemic lupus erythematosus with documented involvement of any one of the following organ systems:
The following gastrointestinal tract involvement:
The following cardiovascular system involvement:
|
10% |
|
Specific exclusions:
|
|
The different events covered and their definitions under this policy are as follows:
SEE TABLE AND LINKS ABOVE
Claims examples:
- A client with a R500,000 insured amount is a victim of a violent crime including rape and is accidentally infected with HIV. She qualifies for a 40% payout and thus receives an amount of R200,
- The child of a client with a R750,000 insured amount is diagnosed with cancer. The client qualifies for and receives the lesser of between 50% of the sum assured and R250,
LupusErythematosis. She qualifies for a 10% payout of the remaining sum assured amount of R300,
General exclusions:
No woman-related cancer claim will be paid if your condition is caused or accelerated, whether directly or indirectly, by:
- Radioactivity and nuclear explosions
- Material misrepresentation or non-disclosure of information before the commencement of the policy
- Excessive consumption of alcohol, intentional inhalation of fumes, intentional and negligent consumption of poisons, drugs, narcotics or medication (unless prescribed by an independent medical practitioner and used as described)
- Intentional and gross negligent self-inflicted injury
- Elective termination of pregnancy
Specific exclusions
We will not pay the claim amount if the dread disease you suffer from arises or is accelerated, directly or indirectly, by any one of the events listed in the policy schedule under the specific exclusions section.
First for Women Insurance Company Limited is an authorised financial services provider (FSP15261).
Long-term insurance products are underwritten by 1Life Insurance Limited, an authorised financial services provider (FSP24769).