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You can get up to R10 Million Life Insurance when Living with HIV...
WHO ARE WE?
Life Cover HIV aims to save you money on the premiums that you pay for life insurance by searching the market to find you the best insurance provider. Premiums on life insurance for people living with HIV are likely to be higher than for those without the condition, but this doesn't mean you have to pay over the odds.
It is only fair and deserved. Our "for the people" policies have already saved our clients a collective R1.5 million.
STOP OVER-PAYING FOR LIFE COVER
Affordable life insurance is very likely available to you, especially if your HIV is under control. You can usually get affordable rates if you respond well to treatment and lead a healthy lifestyle. Even if that is not the case, there are still ways to find the coverage you need.
Luckily you now have more options, and one of those is our solution, a rare & innovative life insurance company who puts the customer at the center of its business model. Our solution’s policy provides an affordable and fair monthly life insurance premium as you get to live the life you've imagined.
Remember, life cover gets more expensive as you get older, so your premium will never be lower than it is today.
WHY ARE WE THE OBVIOUS CHOICE?
Our HIV Life Cover Solution offers ongoing value and allows their clients to enjoy life cover premiums that are affordable and realistic. They’re the obvious choice because they’ve come up with a brilliant idea: to specialise in offering life insurance to those that are living with HIV!
CHOOSE THE BEST SOLUTION
It’s super easy to figure out if you qualify. In just a few minutes you’ll be getting access to affordable life insurance.
Say ‘yes’ to life cover and ‘no’ to high premiums, just comprehensive cover and amazing service.
Don't waste any more time.
Disclaimer: We work with a carefully selected panel of life insurance providers and, once you have qualified and accepted our terms, we will introduce you to them to look after your life insurance needs. Our service is 100% free to use and you are under no obligation to accept any of the quotes or product offers that you receive. Life Insurance is subject to terms, conditions and acceptance.
PurpleFirefish, ConsumerDeal and LifeCoverHIV+ do not administer insurance products. You may be referred to our approved providers if we feel that this is appropriate and the best advice in your situation. PurpleFirefish may be paid a referral fee for introducing you to one of our approved providers.
Over 21 378 people living with HIV, helped with Life Insurance
We do much more than simply get you life cover, we’re here to help. We have thousands of satisfied customers getting affordable life insurance every year. They now live with peace of mind for their loved ones.
SEE IF YOU QUALIFY
Complete the form before the time runs out.
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GET YOUR FREE CALLBACK
Get referred to one of our trusted insurance providers who will assess your situation and guide you on the best possible deal for your specific needs.
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START SAVING TODAY
You'll get the best cover and lowest monthly premium possible, which will save you money that can be put to better use elsewhere in your life.
If I have a pre-existing health condition, will this policy cover me?
Our supplier has an individual and personalized underwriting assessment policy for each client. They gather medical history and synopsis of current medical conditions from each client.
They then consult with the potential client as to the life cover options that may be available for them specifically.
If I’m going to be out of the country and miss the required date for my blood test, will I be able to go for the blood test before I leave South Africa?
Yes. You can go for your blood test early. The nine-month time period until your next blood test will then run from this new test date.
What does health monitoring mean?
Health monitoring means managing your HIV infection appropriately, which includes:
Going for regular HIV monitoring blood tests (generally paid for by your medical aid or the public health sector); starting antiretroviral therapy (ART) at the right time; remaining on ART once treatment has commenced, taking the ART drugs regularly, on time, and as prescribed by your doctor.
Our supplier monitors your health through access to individuals’ blood test results and communicates regularly with clients regarding their adherence status.
Will I be required to take an HIV test to be able to apply for cover?
No, you do not need an HIV test to be able to apply for cover.
What is the waiting period?
There is no waiting period. Cover starts immediately after the first premium is received.
My mother/sibling/friend/relative is HIV-positive. Will I be able to pay for their policy?
Yes, as long as this person is aware that you want to pay the policy on their behalf, and they are comfortable with speaking to us directly.
Must my CD4 count be below 200 when taking ARVs?
When a patient who has a low CD4 count is started on ART, most patients CD4 count will pick up after taking ART for 6 months. This is why the patient is monitored for 6 months, as the viral load will be suppressed. In cases where the CD4 count does not pick up, this could be that the bone marrow has been damaged by the virus and that the patient needs to be commenced on steroids to help the formation of white blood cells.
What could be the reason my CD4 count is below 20 copies?
A CD4 test is not measured in copies BUT in cells, per mm3. Progressive immunosuppression in HIV-infected patients is associated with a wide variety of opportunistic infections e.g candidiasis and TB. These infections can cause the CD4 count to go below 20 cells. In this instance, a patient needs to be fast-tracked on ART.
What would happen to my policy if my viral load is not controlled?
A client is given 6 months in which they should control the viral load. If on the second test, the viral load is still above 1000 copies – then the policy benefits get reduced to temporary accidental cover until the viral load is suppressed under the 2.0 product. The policy can also be reduced to 10% of the initial cover amount under the 1.0 product. If the client provides proof from the doctor that everything possible has been done to improve the viral load control and that it is not the clients’ fault, then the full benefit of the cover will be restored.
What is the difference between funeral cover and life cover?
Funeral cover is designed to cover the burial costs when you pass away. A life cover policy is designed to ensure that your beneficiaries have money available to them in order to continue with life and to take care of everyday costs such as housing, education, food and clothing. These are all the day-to-day expenses that a funeral plan won’t cover at the time of payout.
With all these benefits, our powerful support team and this Innovative Life Insurance Solution, LifeCoverHIV+ is here to help you get what you DESERVE & SAVE, starting today...
Wow - thank you thank you! You were the only people that wanted to help, really listened to my needs and offered real solutions. So happy I found you.
Maureen
February 2021
I don’t know how to start thanking you for the care you have shown to me. I never thought I could qualify for Life Cover, I was either rejected or the premium was just too high. Now I can have the peace of mind that my family will be cared for when i am not there anymore.
Vusi
June 2023
