This product range focuses on providing insurance cover for the person already diagnosed with HIV.

We see HIV in the same light a cholesterol, high blood pressure, diabetes, etc. That means medical evaluation takes place on the basis of your current health status. A person with high cholesterol would for example qualify for insurance under a higher premium than a person with normal cholesterol.

It also follows that a person with a specific medical/underwriting condition, not taking the necessary medication for that condition, would not qualify for insurance cover. The difficulty in underwriting for HIV is directly linked to the period of time an individual has been diagnosed with HIV. The shorter the period, the harder it is due to the fact that there is no real measure of how the individual is responding to the condition.

HIV Sure provides insurance cover for life. That means whenever an individual passes away, for whatever reason, HIV related includes, suicide and self inflicted injuries excluded within the first two years of the policy, the life cover will pay out. (See exclusions in policy.)

Disability Cover is available to provide for an individual when he/she can no longer practice their profession, or a similar profession due to an insured condition. HIV Sure disability cover gives the option of one single amount payout, not larger than R2 000 000.00, or it can replace up to 75% of an individuals monthly income if he/she is a business owner.

Trauma cover pays out when the insured suffers any trauma related incidents or trauma related conditions as stipulated in the contract for example a heart attack or stroke, or is diagnosed with cancer.

Accidental Death cover pays out when the death of the insured in due to a direct result and within three months of an accident. Suicide and self-inflicted injuries are excluded. (See exclusions in policy.)

HIV Sure funeral cover pays out when the insured or members of his/her immediate family, as noted in the contract, passes away. The payout sum for funeral cover can be any amount up to the insured amount, depending on the length of time the policy has been active.

Complete the E-quote form and we will contact you shortly to explain the product range and answer any questions you might have. This is a no obligation and free quote and call, so please feel free to contact us. Your information will be handled according to our company's strict code of confidentiality.

Thank you for partaking in this endeavor to reconstruct hope, dignity and economical empowerment for the HIV positive individual.
For more product information click on the icon to see the slide show.