Claim for your benefit

How to claim

You can rest assured that all claims will be handled in a professional manner with sympathy and respect during your loved ones’ difficult time.

Claims documents are provided below in their respective categories. Where possible claims must please be submitted immediately after the claim incident. Claims are required to be submitted within nine months of the claim incident.
Unless there is a reasonable explanation, older claims will be considered expired and will not be paid.

Make sure that all claim forms are completed fully and that the policy number is clear on the form.

You can send us your claims in one of these ways:
Email – scan and email your claim forms to  claims@differentlife.co.za
Post – send your claims to Different Life Claims, PO Box 3812, Dainfern, 2055
In person – please deliver to: Different Life, Building A Bryanston Corner, 18 Ealing Crescent, Bryanston, Johannesburg, 2191

If you need any assistance with either completing your form or acquiring additional information please use our Live Chat facility at the bottom right of this page to get assistance from a consultant during office hours, or alternatively call the Different Life helpline on 010 020 1921.


The below documents plus the Death Claim Form are required to be correctly completed, signed and submitted to Different Life via email or in person.

Required documents to initiate the Death and / or Funeral claim process:
The original or certified copies, signed by a commissioner of oaths, of the following (These documents will still be required even if there is no Funeral benefit.)

  1. The death certificate
  2. The insured’s ID document
  3. The medical certificate of the cause of death, Form DHA 1633 by the doctor who certified the insured’s death
  4. Statement of Police / Police report for Unnatural causes

Required documents to initiate the claim process:
Please supply Different Life with the treating doctor’s details, attended clinic and or the details of the hospital attended by the deceased and the original or certified copies, signed by a commissioner of oaths, of the following:

  1. If death due to Unnatural causes please include:
    1. Statement of Police
    2. Post mortem
    3. Medical Aid details (Scheme, medical aid number and latest medical aid report)
    4. If death due to motor vehicle accident, please also supply Officer’s Accident report

To effect payment on the claim (if the claim is assessed as valid):
The original or certified copies, signed by a commissioner of oaths, of the following:

  1. Three (3) month’s bank statements of the deceased
  2. Bank statement of beneficiaries
  3. Identification Documents of beneficiaries

The below documents, correctly completed and signed, must be submitted to Different Life via email or in person.

Required documents to initiate the funeral claim process:
The original or certified copies, signed by a commissioner of oaths, of the following:

  1. The death certificate
  2. The insured’s ID document
  3. The medical certificate of the cause of death, Form DHA 1633 by the doctor who certified the insured’s death
  4. Statement of Police / Police report for Unnatural causes


Here is the Salary Protection Claim form to be completed and signed. This form as well as the documents listed below, must be submitted to Different Life via email or in person.

Requirements to initiate the claim process:

  1. The original or certified copies, signed by a commissioner of oaths of the insured’s ID document.
  2. The original or a certified copy of the police report if the insured was disabled as the result of an accident signed by a justice of the peace or a commissioner of oaths.
  3. Please supply Different Life with  the treating doctor’s details, attended clinic and or the details of the hospital attended by the claimant.
  4. A copy of the claimant’s bank statement or cancelled cheque.

Definitions

Policy Schedule:
The original Policy Schedule sent to the insured on or after the commencement of the life cover.

The Insured
The person on whose life the Critical Illness insurance cover was affected in terms of the Policy Schedule.

Identity Document (ID)
An official ID document, passport or both sides of a card driving license which must include the identity number,
photographs, first names and surname of the person.

Here is the Critical Illness claim form to be completed and signed. This form as well as the documents listed below, must be submitted to Different Life via email or in person.

Required documents to initiate the claim process:
The original or certified copies, signed by a commissioner of oaths, of the following:

  1. The insured’s ID document
  2. Please supply Different Life with  the treating doctor’s details, attended clinic and or the details of the hospital attended by the claimant

To effect payment on the claim (if the claim is assessed as valid):
The original or certified copies, signed by a commissioner of oaths, of the following:

  1. Three (3) month’s bank statements of the claimant.

Definitions

Policy Schedule:
The original Policy Schedule sent to the insured on or after the commencement of the life cover.

The Insured
The person on whose life the dread disease insurance cover was affected in terms of the Policy Schedule.

Identity Document (ID)
An official ID document, passport or both sides of a card driving license which must include the identity number,
photographs, first names and surname of the person.

Here is the Disability Claim form to be completed and signed. This form as well as the documents listed below, must be submitted to Different Life via email or in person.

Requirements to initiate the claim process:

  1. The original or certified copies, signed by a commissioner of oaths of the insured’s ID document.
  2. The original or a certified copy of the police report if the insured was disabled as the result of an accident signed by a justice of the peace or a commissioner of oaths.
  3. In order for Different Life to obtain the medical history, please supply us with the treating doctor’s details, attended clinic and or the details of the hospital attended by the claimant.
  4. A copy of the claimant’s bank statement or cancelled cheque.

Definitions

Policy Schedule:
The original Policy Schedule sent to the insured on or after the commencement of the life cover.

The Insured
The person on whose life the dread disease insurance cover was affected in terms of the Policy Schedule.

Identity Document (ID)
An official ID document, passport or both sides of a card driving license which must include the identity number,
photographs, first names and surname of the person.

The below documents plus the Death Claim Form are required to be correctly completed, signed and submitted to Different Life via email or in person.

Required documents to initiate the claim process:
Please supply Different Life with  the treating doctor’s details, attended clinic and or the details of the hospital attended by the deceased, as well as the original or certified copies, signed by a commissioner of oaths, of the following:

If death occurred due to Unnatural causes please include:

  1. Statement of Police
  2. Post mortem
  3. Medical Aid details (Scheme, medical aid number and latest medical aid report)
  4. If death due to motor vehicle accident, please also supply Officer’s Accident report

To effect payment on the claim (if the claim is assessed as valid):
The original or certified copies, signed by a commissioner of oaths, of the following:

  1. Three (3) month’s bank statements of the deceased
  2. Bank statement of beneficiaries
  3. Identification Documents of beneficiaries

Here is the Accidental Disability Claim form to be completed and signed. This form as well as the documents listed below, must be submitted to Different Life via email or in person.

Requirements to initiate the claim process:

  1. The original or certified copies, signed by a commissioner of oaths of the insured’s ID document.
  2. The original or a certified copy of the police report if the insured was disabled as the result of an accident signed by a justice of the peace or a commissioner of oaths.
  3. In order for Different Life to obtain the medical history, please supply us with  the treating doctor’s details, attended clinic and or the details of the hospital attended by the claimant.
  4. A copy of the claimant’s bank statement or cancelled cheque.

Definitions

Policy Schedule:
The original Policy Schedule sent to the insured on or after the commencement of the life cover.

The Insured
The person on whose life the dread disease insurance cover was affected in terms of the Policy Schedule.

Identity Document (ID)
An official ID document, passport or both sides of a card driving license which must include the identity number,
photographs, first names and surname of the person.

The proper aim of giving is to put the recipient in a state where they no longer need our gifts

C. S. Lewis