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Provider comparison · Updated May 2026
OUTsurance vs 1Life
How OUTsurance and 1Life compare on price, claims, products and rewards across the South African market.
OUTsurance edges 1Life on customer rating.
| Feature | OUTsurance | 1Life |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.4 |
| Average premium | R720/pm | R195/pm |
| Claims turnaround | 24h | 48h |
| Pricing tier | Mid-range | Budget |
| Flagship product | OUTbonus | Pure Life Cover |
| Product range | Car, Home, Business, Life | Life, Funeral, Disability, Credit Life |
OUTsurance
You always get something OUT
Founded in 1998, OUTsurance is one of South Africa's most-recognised short-term insurers, famous for its OUTbonus and call-centre service model.
Strengths
- 24-hour claims turnaround
- OUTbonus cash-back after 3 claim-free years
- Strong call-centre
Trade-offs
- Fixed R4,000 excess on some products
- Limited online self-service
1Life
Life cover made simple
1Life is a Telesure-group direct life insurer that pioneered fully online life cover in South Africa, focused on simple risk products.
Strengths
- Online life cover in minutes
- No medicals up to R5m
- Transparent pricing
Trade-offs
- Life-only focus, no short-term
- Limited rider options
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