Think you can’t get life insurance if you have a health condition? Let’s clear that up today!
If you’ve ever worried that a health condition might stand in the way of getting life insurance, you’re not alone. Many South Africans assume that living with a condition like diabetes or high blood pressure means automatic rejection. In reality, having a health condition doesn’t necessarily disqualify you from life cover, it might simply influence how your policy is priced.
At MiWayLife, we’re here to make life insurance accessible for real people facing real-life challenges, and many of our policyholders with managed conditions enjoy affordable coverage every day.
How Insurers Assess Health Risk
When you apply for life insurance, insurers take a close look at your overall health to gauge the level of risk. This assessment helps determine your eligibility, the amount of cover you can get, or the premium you’ll pay to create a policy that fairly reflects your individual situation.
For instance, we might ask for the results of recent medical tests or details on your condition to understand how well it’s managed. Remember, non-disclosure could lead to claims being denied later, so honesty is always the best policy.
Conditions That May Influence Your Premium
Certain health conditions – such as diabetes, hypertension, high cholesterol, heart disease, asthma, HIV, or even a strong family history of serious illness – can sometimes result in slightly higher premiums or a few additional questions during underwriting. Lifestyle factors also play a role, including whether you smoke, your weight, and how physically active you are.
The good news? At MiWayLife, we insure many people living with health conditions every day – especially when those conditions are stable, well-managed, and not complicated by other risk factors.
At MiWayLife, we don’t just focus on your diagnosis. We look at how you’re handling it. Regular check-ups with your doctor, sticking to prescribed medications, eating a balanced diet, staying active, and following medical advice can all make a huge difference. If you can show that your condition is being managed, it lowers your perceived risk, which can lead to lower premiums.
In short, it you’re proactive about your health, you might find life insurance more affordable than you think.
The Bottom Line
At MiWayLife, we believe life insurance should be accessible, transparent, and designed for real life. If you’re living with a health condition and curious about your options, why not get a quick quote today? You might be surprised at how straightforward and affordable it can be.
Did you know:
You can now take out life cover with us online in a few simple steps. No calls and no agents! Make sure to take care of those you love today by buying MiWayLife cover online.
