Updated Articles

  1. How would the interaction with Hello Doctor impact my discount?

    Simply put, it won’t.  Your interaction remains private, and it is not connected to LifeReturns®.
  2. What happens after Hello Doctor has contacted me?

    The doctor will help you to make an informed decision on possible next steps, likely referring you to your own GP if required.
  3. How and when will Hello Doctor contact me?

    Within 24 hours of screening, you’ll receive a WhatsApp message from the doctor, and you can choose to engage further.
  4. At what point am I informed about the Hello Doctor service?

    We mention the Hello Doctor service right up front in the consent section of the app.  If any of your results are worrisome, you’ll get a pop-up message in the app to let you know a doctor will contact you.
  5. At what point will Hello Doctor contact me?

    During the screening process, all potentially harmful results will alert Hello Doctor and you’ll get an in-app notification (a pop-up) to let you know that a doctor will contact you.  The Hello Doctor service will be triggered by a combination of f...
  6. What is LifeReturns® - in a nutshell?

    LifeReturns ® gives you a personalised discount of up to 35% off on your life insurance premiums. It's a modern approach to calculating maximum discounts on your monthly life insurance premium using the latest digital technology to quickly and accu...
  7. What is the maximum discount that can be lost in a single year?

    The absolute maximum discount that could be lost in a worst-case scenario, is 10 percentage points in a single year. This considers a scenario where a client loses 5 percentage points due to not completing a reassessment or having poorer result...
  8. How does the LifeReturns® Reassessment Protector work?

    The LifeReturns® Reassessment Protector firstly limits the impact of annual discount reductions (either because clients have poorer digital screening results* or did not complete the compulsory annual reassessment digital screening). In both cases, ...
  9. Can I do the screening on my laptop or request a nurse to do it during a nurse visit?

    No, screening can only be completed on a compatible smartphone, not on a laptop or desktop. Nurses will unfortunately not have digital screening functionality available. In terms of LifeReturns® discounts nurses will only validate the insured life’s...
  10. How is the discount for my Funeral Benefit calculated?

    The main life (principal member) needs to complete the digital screening and will receive the corresponding discounts on their Funeral Benefit. If the spouse of a life is added to a Funeral Benefit, the spouse will be required to complete the screen...