Question 1

What is Comprehensive Life Cover?

Accepted Answer

Comprehensive Life Cover is a life insurance product that provides financial protection for your loved ones in the event of your death.

Question 2

Who is eligible for Comprehensive Life Cover?

Accepted Answer

Individuals between the ages of 18 and 69 are eligible to apply for Comprehensive Life Cover, depending on the benefit chosen.

Question 3

What benefits are included in Comprehensive Life Cover?

Accepted Answer

Benefits include life cover, disability and impairment cover, critical illness cover and optional add-ons.

Question 4

What disabilities are covered?

Accepted Answer

Covers specific injuries or illnesses, such as loss of limbs, traumatic head injuries, and certain heart conditions. You must have been gainfully employed for at least six months before becoming disabled.

Question 5

How do I apply for Comprehensive Life Cover?

Accepted Answer

You can apply online through the Hollard website, contact a broker, or call the customer service centre for assistance.

Question 6

Do I need to undergo a medical examination to apply?

Accepted Answer

No medical examinations or HIV tests are required to apply for Comprehensive Life Cover, but you may be referred for medical tests.

Question 7

Can I opt to increase my cover over time?

Accepted Answer

Yes, you can select to increase your cover between 0 and 10% per year to account for the rising cost of living. This will increase the premium on your policy.

Question 8

How do I make a claim?

Accepted Answer

To make a claim, contact the Hollard claims department via phone or email, and they will guide you through the process. You can claim for a disability with a medical practitioner confirmation according to Hollard Life’s criteria. There’s a three-month survival period before payout.

Question 9

Are there any exclusions?

Accepted Answer

Life Cover excludes suicide or assisted suicide for the first two years, which can either be waived or reduced with proof of prior insurance. Disability and Critical Illness excludes self-inflicted injuries and self-induced conditions.