Accidental Death Family Cover

The benefits under your policy will be paid to your nominated beneficiary if you pass away, and to you if one of your dependent family members pass away.
You can add a beneficiary to your policy by calling our customer services team on 086 100 VIVA (8482) or via email to support@vivalife.co.za.

Claims must be reported to Viva Life by emailing claims@vivalife.co.za or calling 086 100 VIVA(8482).

• Cover is provided for insured events occurring between the dates the policy starts and ends.
• Claims must be reported within 90 days after the occurrence of an insured event
• Claims must be submitted to Viva Life in writing by completing and submitting all the necessary documentation within
  6 months after the occurrence of an insured event:
  • A completed official claim form available upon request
  • A certified copy of the policyholder’s Identity Document or Smart Card
  • A certified copy of policyholder’s death certificate
  • A certified copy of the notification of death (DHA-1663)
  • A copy of the beneficiary’s South African bank statement or proof of account
  • Any such other documents as may be required by Viva Life in its sole discretion

In the event that Viva Life rejects a claim or disputes the amount of the claim, you or your beneficiary may make representations to Viva Life within 90 days of receiving of the notification of repudiation or dispute of the claim, and will have at least 6 months after the expiry of the 90-day period to institute legal action in a court of law, lodge a complaint with the Long-term/Insurance Ombudsman or commence arbitration proceedings.

Premiums are payable in advance on the selected debit order date. Your premiums are subject to change, depending on the claims, expense and investment experience of Viva Life Insurance Limited. Premiums will increase annually by 6% on policy anniversary. We will communicate any changes in premiums to you with a 31-day notice.

If you have any issues or questions about your cover, feel free to call us on 086 100 VIVA (8482), or email us on support@vivalife.co.za to get more information on the policy.

We appreciate you as a client, so if at any point you are unhappy with our service or product, please contact us using the following:

• You must have a valid South African Identity Document.
• You must be over 18 years and not older than 60 years on your next birthday to be eligible for cover.
• We will not pay out if your death or disability is as result of deliberate involvement in an illegal act, riot, civil commotion, terrorist attack, or war.
• Your premiums will be renewed and reviewed monthly.

Many individuals prefer to postpone the purchase of any insurance until such a time that they have dependents. It is important to ask yourself if anyone will suffer financially if you were to die. It would be unwise to delay purchasing such insurance.

Cover begins once your application has been approved by the insurance company and your first premium due, has been paid.

Should you miss a payment for any reason, we will collect a double debit order the following month for up to a maximum of 3 months. If your policy lapse and you would like to reinstate and resume payments, waiting periods would reapply.

The proceeds from an insurance policy are not taxable because of their nature. The proceeds are of a capital nature and are therefore not taxable as income. All proceeds that are of a capital nature are subject to Capital Gains Tax. However, the proceeds from insurance are exempt from Capital Gains Tax.

There are no waiting periods if your death is as a result of an accident.

Your beneficiary can receive payment within 48 hours of the claim. Promptness of payment is dependent on the correct documentation being supplied to us.