Frequently Asked Questions
Who is the policyholder and who pays the premium?
As the employer of the Life Insured, you are the policyholder and the payer on this Policy.
Who is the Life Insured?
Your male or female Domestic Worker, who works primarily indoors or outdoors, who is employed at a private dwelling, who can perform all activities associated with their occupation and who are between the ages of 18 and 54.
Who is the nominated beneficiary?
The person other than the Policyholder or a member of the Policyholder’s family nominated by the Life Insured from time to time to receive the benefit payable on the death of the Life Insured.
My Domestic Worker is a foreign national, can I still take this policy out?
Yes you can. We will insure a foreign national from their passport number and date of birth and a local domestic worker from their South African ID number.
My Domestic Worker has HIV/AIDS.
There is no exclusion / loading for an HIV positive life. This question does not get asked in the application process as it is illegal for an employer to ask an employee about their HIV status under South African law.
Can I take out multiple policies on the same Life Insured?
Only one policy will be paid per life insured.
My Domestic Worker does not have their own bank account for disability or critical illness proceeds.
The proceeds from the policy must be paid into a bank account. The Domestic Worker has the option to open a bank account at claims stage or can sign a concession form to have the proceeds paid into a trusted third party’s bank account.
Please note: Once the funds have been paid into a third party’s bank account, it becomes the responsibility of the life insured to ensure they have access to the funds. Lion Life, SweepSouth and SureStart will not accept any responsibility for benefits that are withheld by the third party.
My Domestic Worker has nominated a beneficiary that does not live in SA.
The proceeds from a death claim can be paid into a beneficiary's foreign bank account.
Indoors Domestic Worker
A domestic worker whose primary duties consist of working indoors in a private dwelling.
Activities Required of an Indoors Domestic Worker means that the Domestic Worker should be able to perform the following tasks:
- Travel to and from his/her place of work
- Make beds and change the linen
- Wash and sweep floors, vacuum floors and carpets
- Wash and iron clothing and other household and personal items
- Wash the dishes and pack crockery and cutlery into cupboards
- Clean windows
- Polish brass and silver
- Wash walls
Outdoors Domestic Worker
A domestic worker whose primary duties consist of working outdoors in the grounds of a private dwelling.
Activities Required of an Outdoors Domestic Worker means that the Domestic Worker should be able to perform the following tasks:
- Travel to and from his/her place of work
- Operate a power lawnmower
- Operate other power tools necessary to perform his/her duties
- Turn-over a flower bed
- Remove weeds
- Rake a lawn
- Aerate a lawn
- Clean a swimming pool
Description of Cover
If the Life Insured dies as a result of an Accident (at any time after the Commencement Date) or from Natural Causes (more than 6 months after the Commencement Date), we will pay the sum insured to the Life Insured’s Nominated Beneficiary or, in the absence of a Nominated Beneficiary, to the Life Insured’s estate.
Total and Permanent Disability Benefit:
If the Life Insured is unable due to physical or mental impairment that has lasted for at least 4 months to carry out at least 5 of the tasks described in Activities Required of an [Indoors/Outdoors] Domestic Worker and such physical or mental impairment is in our opinion likely to be permanent in nature and was not caused by self-inflicted injury then we will pay the following amount to the Life Insured:
- If the 4 month period referred to above commenced before the Life Insured’s 56th birthday we will pay the Sum Insured
- If the 4 month period referred to above commenced after the Life Insured’s 56th birthday we will pay 80% of the Sum Insured
- If the 4 month period referred to above commenced after the Life Insured’s 57th birthday we will pay 60% of the Sum Insured
- If the 4 month period referred to above commenced after the Life Insured’s 58th birthday we will pay 40% of the Sum Insured
- If the 4 month period referred to above commenced after the Life Insured’s 59th birthday we will pay 20% of the Sum Insured
Critical Illness Benefit:
If the Life Insured is diagnosed with or suffers from any one of the following Critical Illnesses as defined above for the first time after the Commencement Date (or after 6 months after the Commencement Date in the case of Cancer) we will pay the sum insured to the Life Insured:
- Heart Attack
- Open heart bypass surgery
- Major organ transplant
Please note: The Sum Insured is only payable once – when a claim has been admitted all further cover ceases
No death benefit will be paid in the first 24 months if the Life Insured has committed suicide.
When does the policy terminate?
This policy will terminate on the earliest of the date the Policy is cancelled by you, the Expiry Date (policy anniversary following insured’s 60th birthday), or the day we admit liability in respect of any claim.
Cooling off period
You may cancel this policy at any time within 31 days after paying your first premium. To do so, email Lion Life: firstname.lastname@example.org and state that you wish to cancel the policy in terms of the cooling-off period and provide your policy number or, failing that, your ID number. Provided that you have made your request within the 31 days after paying your first premium we will refund that premium and cancel the policy from inception.