Claim for your benefit

Please complete and sign the Death Claim Form, as this plus the below documents are required to process a claim. These documents 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 death certificate of the deceased;
2. The original or certified copies signed by a commissioner of oaths of the deceased’s ID document;
3. Notification of death, Form BI-1663 by the doctor who certified the insured’s death;
4. Medical Aid details (Scheme, medical aid number and latest medical aid report);
5. Medical reports of the treating doctors, clinics and or hospitals attended by the deceased;

If death due to Unnatural causes, please include:

1. Statement of Police;
2. Post mortem; and
3. If death due to a motor vehicle accident, please also supply the Officer’s Accident report.

To effect payment on the claim (if the claim is assessed as valid), we require the following documents:

1. Three (3) month’s certified bank statements of the deceased, stamped by the bank;
2. Certified bank statement of beneficiaries, stamped by the bank; and
3. The original or certified copies, signed by a commissioner of oaths of the beneficiary’s ID document

Definitions 

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

The Deceased:
The person who had recently passed away.

The Beneficiary:
The person or entity designated to receive the death benefit when the insured passes away.

ID document:
An official ID document; both sides of an ID card; passport or both sides of a card driving license which must include the identity number, photographs, first names and surname of the person.

Medical Report:
A formal and structured document that contains detailed information about a patient's medical condition, diagnosis, treatment, and other relevant healthcare-related information.

Bank Statement:
A financial document provided by a bank or financial institution to an account holder, serving as an official record of all transactions related to a specific bank account over a specified period.

Please complete and sign the below documents, which are required to process an Accelerated Funeral claim. These documents 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 death certificate of the deceased;
2. The original or certified copies signed by a commissioner of oaths of the insured’s ID document;
3. The original or certified copies signed by a commissioner of oaths of the beneficiary’s ID document;
4. Notification of death, Form BI-1663 by the doctor who certified the insured’s death;
5. Certified bank statements of the deceased, stamped by the bank; and
6. Certified bank statement of beneficiaries, stamped by the bank;

If death due to unnatural causes, please include:

• Statement of Police 

Definitions

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

The Deceased:
The person who had recently passed away.

The Beneficiary:
The person or entity designated to receive the death benefit when the insured passes away.

ID document:
An official ID document; both sides of an ID card; passport or both sides of a card driving license which must include the identity number, photographs, first names and surname of the person.

Bank Statement:
A financial document provided by a bank or financial institution to an account holder, serving as an official record of all transactions related to a specific bank account over a specified period.

Please complete and sign the Salary Protection Claim Form , as this plus the below documents are required to process a claim. These documents 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 commissioner of oaths;
3. Medical reports of treating doctors, clinics and or hospitals attended by the insured;
4. A copy of the claimant’s bank statement, stamped by the bank; and
5. Original or a certified copy three (3) months’ pay slips prior to the insured event.

Definitions

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

ID document:
An official ID document; both sides of an ID card; passport or both sides of a card driving license which must include the identity number, photographs, first names and surname of the person.

Medical Report:
A formal and structured document that contains detailed information about a patient's medical condition, diagnosis, treatment, and other relevant healthcare-related information.

Bank Statement:
A financial document provided by a bank or financial institution to an account holder, serving as an official record of all transactions related to a specific bank account over a specified period.

Please complete and sign the Critical Illness Claim Form , as this plus the below documents are required to process a claim. These documents 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. Medical reports of treating doctors, clinics and or hospitals attended by the insured; and
3. Three (3) month’s certified bank statements of the deceased, stamped by the bank

Definitions 

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

ID document:
An official ID document; both sides of an ID card; passport or both sides of a card driving license which must include the identity number, photographs, first names and surname of the person.

Medical Report:
A formal and structured document that contains detailed information about a patient's medical condition, diagnosis, treatment, and other relevant healthcare-related information.

Bank Statement:
A financial document provided by a bank or financial institution to an account holder, serving as an official record of all transactions related to a specific bank account over a specified period.

Please complete and sign the Disability Claim Form , as this plus the below documents are required to process a claim. These documents 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 commissioner of oaths;
3. Medical reports of treating doctors, clinics and or hospitals attended by the insured; and
4. A copy of the claimant’s bank statement, stamped by the bank

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 insurance cover was affected in terms of the Policy Schedule.

ID document:
An official ID document; both sides of an ID card; passport or both sides of a card driving license which must include the identity number, photographs, first names and surname of the person.

Medical Report:
A formal and structured document that contains detailed information about a patient's medical condition, diagnosis, treatment, and other relevant healthcare-related information.

Bank Statement:
A financial document provided by a bank or financial institution to an account holder, serving as an official record of all transactions related to a specific bank account over a specified period.

Please complete and sign the Death Claim Form , as this plus the below documents are required to process a claim. These documents 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 death certificate of the deceased;
2. The original or certified copies signed by a commissioner of oaths of the deceased’s ID document;
3. Notification of death, Form BI-1663 by the doctor who certified the insured’s death;
4. Statement of Police;
5. Post mortem; and
6. If death due to a motor vehicle accident, please also supply the Officer’s Accident report.

To effect payment on the claim (if the claim is assessed as valid), we require the following documents:

1. Three (3) month’s certified bank statements of the deceased, stamped by the bank;
2. Certified bank statement of beneficiaries, stamped by the bank; and
3. The original or certified copies, signed by a commissioner of oaths of the beneficiary’s ID document

Definitions

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

The Deceased:
it when the insured passes away.

ID document:
An official ID document; both sides of an ID card; passport or both sides of a card driving license which must include the identity number, photographs, first names and surname of the person.

Medical Report:
A formal and structured document that contains detailed information about a patient's medical condition, diagnosis, treatment, and other relevant healthcare-related information.

Bank Statement:
A financial document provided by a bank or financial institution to an account holder, serving as an official record of all transactions related to a specific bank account over a specified period.

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, fax 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 commissioner of oaths;
3. Medical reports of the treating doctor, attending clinic and or hospital attended by the insured; and
4. A copy of the claimant’s bank statement, stamped by the bank.

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 insurance cover was affected in terms of the Policy Schedule.

ID document:
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.

Please complete and sign the Funeral Cover Claim Form, as this plus the below documents are required to process a claim. These documents must be submitted to Different Life via email or in person.

Requirements to initiate the claim process:

1. The death certificate of the deceased;
2. Notification of death, Form BI-1663 by the doctor who certified the insured’s death;
3. The original or certified copies signed by a commissioner of oaths of the deceased’s ID document;
4. The original or certified copies signed by a commissioner of oaths of the claimant’s ID document;
5. The original or certified copies signed by a commissioner of oaths of the beneficiary’s ID document

Definitions

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

The Deceased:
The person who had recently passed away.

The Claimant:
The person who initiates the claim.

The Beneficiary:
The person or entity designated to receive the death benefit when the insured passes away.

ID document:
An official ID document; both sides of an ID card; passport or both sides of a card driving license which must include the identity number, photographs, first names and surname of the person.

All claims submitted to the Different Life claims team are thoroughly assessed. A number of claims processes have been put in place to determine the validity of claims submissions against the relevant policy contract.

What documents do you need from a claimant to lodge a claim?

A claim form can be requested from our claims department via email on claims@differentlife.co.za or telephonically on 010 020-1921. Please complete the claim form fully and submit it to the claims department. Basic supporting documentation that we require to accompany the claim form include the death certificate and proof of death documentation from the department of home affairs, identification documents of the beneficiaries, bank account information, proof of address and executor information if applicable.

What happens after the claims documentation is submitted to Different Life?

The claim is first assessed based on whether or not the policy is active, all premiums are up to date and on the type of cover in place in relation to the specific event being claimed against. Our claims assessors compare the event to the contract in order to determine the validity of the claim. Once it is confirmed that the claim is valid, in order to proceed with claims assessment, additional information is required. 

What medical information do you require and why would you need it?

In the majority of medically underwritten cases, a medical history of the policyholder is required, regardless of the cause of claim. This may include reports from medical practitioners as well as medical aid statements showing historical claims related to the applicant. This allows the claims assessor to verify the disclosures provided by the claimant at application stage. Once all the documentation is received, the claims team will be able to fully assess the claim and provide the claimant with the outcome of the assessment. 

As is laid out in the policy contract, the answers to the medical and lifestyle questions in the application process form the basis of the policy contract.  The claim assessment aims to establish that the answers given at application stage were accurate and complete.

It is important to understand that the claims team requires this information in order to rapidly and accurately assess the claim. The sooner the information is provided to the claims assessors, the more rapidly a claim assessment result can be reached. 

How do you obtain the medical history?

The claims team will send the claimant or the policyholder’s medical practitioner/s personal medical attendant (PMA) questionnaires for completion. This questionnaire requires detail relating to the medical history of the policyholder from prior to the policy being issued up until the claim incident. Based on the information noted in the PMAs, additional information may be required from other medical professionals or institutions identified in these records. Questionnaires will then be sent to these newly identified medical professionals to obtain any relevant information required for the accurate assessment of the claim. During the collection of the medical history, the claimant may be called upon to assist with authorisation of the release of information pertaining to the medical history of the policyholder.

How long does it take to get the medical history?

While our claims team follow up regularly with the person or institution responsible for the medical history, the response time is dependent on these external parties. Rest assured that we will routinely and regularly follow up to finalise the documentation required.

What happens if the beneficiary listed on the policy is younger than 18yrs old?

In the event of minor beneficiaries being recorded as beneficiaries on the policy document, arrangements will need to be made to assure that the relevant claim benefits pass to the nominated minor beneficiary. The arrangements may include the creation of a registered trust for the benefit of the beneficiary, managed by elected trustees.

Who gets paid the benefits of a life insurance claim?

Claims are paid based on the beneficiaries nominated by the policyholder during the sale of the policy (or subsequently updated by the policyholder). If no beneficiaries are listed on the policy by the policyholder, the benefits will be paid to the estate of the policyholder once the claim is approved.