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You can cancel your 1life policy by asking the insurer to cancel a policy, either in writing (email clientservices@1life.co.za) or over the phone on a recorded line. They can request a date, such as requesting that a policy be cancelled from 1 October, for instance, or immediately. However, any premium already paid won’t be refunded and you cannot backdate a cancellation.
You can also cancel your policy during a so-called cooling-off period. This period is defined as 31 days from the day that you receive your policy documents, which we assume would have been delivered to you within fourteen days of the dispatch date. Any premiums that you might have paid to the insurer will be refunded to you minus costs incurred by the insurer.
Policies can also lapse, which is when they are cancelled by the insurer because premiums are not paid. If one premium is not paid, there is a grace period to allow the premium to be paid.
