For years, getting life insurance in South Africa meant blood tests, a nurse visit, forms and weeks of waiting. It doesn't have to. No-medical life insurance lets you get covered in minutes, online, by answering a few honest questions about yourself and your health.
What "no medical exam" actually means
Instead of tests, you answer a short set of questions: your age, whether you smoke, your income, your highest level of education and three simple health questions. Your answers are used to work out your price and how much cover you can take. There's no needle, no clinic and no paperwork to post.
This works because insurers can now use data to price cover fairly without sending you for tests. The one thing that matters is that you answer truthfully. Your answers become part of your policy, so leaving something important out could mean a claim isn't paid when your family needs it.
Who it suits
- Busy people who've been meaning to get cover but never found the time for appointments.
- First-time buyers who want cover that's easy to understand.
- Anyone who hates needles. Honestly, that's most of us.
- Parents and breadwinners who want to put something in place for their family today, not in six weeks.
How much cover can you get?
With Simply's Flexi Family Cover, you can choose from R50,000 up to R2.5 million in life cover, with no blood tests and no paperwork. Life cover is available up to age 64.
Your life cover also comes with a few extras:
- A lump sum paid to the people you choose
- Early access to your payout, up to 12 months early, if you're diagnosed with a terminal illness
- A R3,000 grocery benefit on top of the lump sum
- Free 24/7 telephonic counselling and support for you and your family
You can add disability and funeral cover to the same policy, so everything sits in one place.
Is it more expensive?
Not necessarily. Because there's less admin, no-medical cover can be very good value, especially if you're young and healthy. With Simply, the price you see is the price you pay, with no hidden fees. There's also a 50% cashback option that rewards you just for staying covered.
How to get covered with Simply
1. Get a quick quote. It takes about two minutes.
2. Answer three simple health questions. No medical exams or blood tests.
3. Enter your personal details so your policy can be set up properly.
4. Add your payment details. You're covered straight away.
That's it. Cover in minutes, backed by Hollard Life Assurance.
Frequently asked questions
Does no-medical cover pay out the same as other life cover? Yes. If a claim is valid under your policy terms, the people you've chosen receive the full cover amount.
Do I need a South African ID? Yes, you'll need a valid South African ID number to apply.
Can I get cover through my financial advisor instead? Yes. You can buy Simply cover online or through your broker. It's the same cover either way.
How do claims work? You can claim online, from anywhere. See how to claim for the steps.
Simply Financial Services (Pty) Ltd is an authorised financial services provider (FSP 47146). Cover is underwritten by Hollard Life Assurance Company Limited (Reg No. 1993/001405/06), a licensed life insurer and authorised financial services provider. This article is general information, not financial advice. T&Cs apply.