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What is your employment status? |
What are you experiencing? |
Can you claim and what can you claim for? |
What documents will you need to submit? |
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I am permanently employed |
I have experienced permanent disability or I have been diagnosed with a certain dread disease, such as cancer, heart attack, stroke or renal failure or I have had a major organ transplant or heart surgery |
Yes. You can apply to have your account balance settled in full |
Proof of illness or disability
We will provide you with a form, which your doctor will need to complete. Bank statements and claimant form. |
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I am temporarily disabled |
Yes. You can apply for 12 months’ instalments to be paid on your behalf |
Proof of temporary disability such as a letter from your doctor. We will provide you with a form, which your doctor will need to complete. Bank statements and claimant form. |
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I have been retrenched |
Yes. You can apply for 12 months’ instalments to be paid on your behalf |
Retrenchment letter from your employer and/or UI19. |
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My employer is still paying me but only a percentage of my salary |
No claim |
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My employer has temporarily suspended my income |
Yes, if your full income has been suspended for at least a full calendar month |
Letter from your employer, Bank statements for the period you wish to claim. |
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I am self-employed |
I have experienced permanent disability or I have been diagnosed with a certain dread disease, such as cancer, heart attack, stroke or renal failure or I have had a major organ transplant or heart surgery |
Yes. You can apply to have your account balance settled in full |
Proof of illness or disability
We will provide you with a form, which your doctor will need to complete. Bank statements and claimant form. |
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I am temporarily disabled and unable to earn an income |
Yes. You can apply for 12 months’ instalments to be paid on your behalf |
Proof of illness or disability
We will provide you with a form, which your doctor will need to complete. Bank statements and claimant form.. |
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I have experienced a temporary loss of income |
No claim |
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I am a contractor |
My contracts have been permanently cancelled |
Yes, if you can provide sufficient evidence |
Proof of cancellations, Bank statements. Letter from employer.
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I earn my income from informal work (e.g. domestic worker, gardener, painter etc.) |
My income has permanently stopped because I’m no longer working |
Yes, if you were permanently employed at the time of registering your cover |
If yes, letter from employer(s) or UI19 or bank statements. |
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All Customers |
The policy holder has passed away |
Yes. The spouse or executor of the estate can apply to have the account balance of the deceased settled in full |
Death certificate
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Certain exclusions do exist, which your Credit Life policy document details, please make sure that you read it carefully to find out more.
Exclusions and limitations
You will not be covered for death or disability within the first 12 months if the claim is in any way related to willful self-inflicted injury or suicide.
You cannot claim for unemployment or inability to earn an income if you were retrenched, or your employment was terminated within the first 3 months from the start of this cover. You cannot claim if you were aware that you would be retrenched or if you received a notice of retrenchment during the 3 months before the start of this cover. You cannot claim for loss of income or inability to earn an income if you resigned, were dismissed, retired, self-employed, took voluntarily retrenchment or participated in an unprotected strike and criminal activity. Where you have successfully claimed for unemployment or inability to earn an income, you will have cover for up to 12 loan instalments or until you are employed whichever is shorter.
In the case of a temporary disability that affects your ability to earn an income, you will have cover for up to 12 loan instalments or until you are no longer disabled, whichever is shorter.
Critical Illness resulting from: A Pre-Existing Medical Condition means any illness or condition that you have (or should reasonably have) received, or have been recommended to receive, medical advice, diagnosis, care or treatment prior to the Start Date of your Critical Illness cover. No claim will be paid for any illness or condition that was caused or accelerated by a Pre-Existing Medical Condition. In addition, no claim will be paid if the date of the covered risk event or medical advice, diagnosis, care or treatment occurred prior to the Start Date of the Plan, or within a defined waiting period.
About the fine print
For more information about certain waiting periods and exclusions that apply please read the terms and conditions.