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Digital-First, AI-Enhanced Life Insurance

Life Insurance Products
Powered by Technology & Innovation

54 Healthcare's life insurance combines cutting-edge AI, real-time health data, and digital-first convenience to offer flexible, affordable protection that adapts to your lifestyle.

Product Categories

54 Life Products

Diaspora & Employer

Funeral Insurance

Hybrid & Innovative

Core Products

54 Life Products

Entry-level to adaptive AI-priced life cover with digital-first features

54 Life Core

Entry Life Cover

From R95 pm

Cover Range

R50,000 - R250,000

  • App-based onboarding
  • No medical exam for R200,000 and below
  • Lower premiums for 54 HealthWallet users
  • Cover grows automatically as lifestyle improves
  • Auto-escalates based on healthy behavior (steps, clinic visits, screenings)
  • Real-time behavior-in-health integration with life pricing
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FAMILY PLAN

54 Family Life Cover

Complete Family Protection

R189 pm

Member Cover

R100,000

Spouse Cover

R50,000

Children Cover

R20,000

  • One affordable plan covers the whole family including children
  • Guaranteed family protection regardless of health history
  • Fast claims payout, keeping families financially stable during crisis
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54 Life Adaptive

AI-Priced Life Cover

From R349 pm

Cover Range

R250,000 - R1.5M

  • Dynamic risk scoring tied to Health Passport
  • Discounts for regular use of 54 Healthcare clinics or pharmacy network
  • Digital claims settlement within 24 hours through HealthWallet
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Specialized Solutions

Diaspora & Employer Group Life

54 Diaspora Life

SA + SADC Migrants

COMING SOON
R179 pm

Cover Amount

R75,000

Target Group

SA-based migrants sending money home

  • Payout directly into 54 Healthcare remittance rails
  • Legal-document support for families across borders
  • Optional funeral repatriation add-on
  • Home-country beneficiary verification through 54 HealthPassport
  • Unique: Cross-border beneficiary verification + settlement in Africa
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54 Employer Group Life

Companies, Unions, SMMEs

Cover Range: R100,000 – R500,000 per employee

R100,000 cover R49 pm
R200,000 cover R79 pm
R300,000 cover R105 pm
R400,000 cover R129 pm
R500,000 cover R149 pm
  • HealthWallet contributions qualify employers for premium discounts
  • Automated onboarding using employee digital IDs
  • Predictive analytics for workforce health risk
  • Premium discounts for companies promoting health through HealthWallet
  • Reduce absenteeism and improve productivity
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Funeral Insurance Products

Explore our comprehensive funeral insurance offerings including 54 Honour, Family Plans, Prestige Plans, Cross-Border Repatriation, and Collective Burial Society Plans

View Funeral Insurance Products
Revolutionary Products

Hybrid & Innovative Products

Only possible through 54 Healthcare technology — combining affordability, dignity, and flexibility

54 Care+Life Combo

Affordability + Dignity + Flexibility

Base Premium (without Wallet top-up)

R545 pm

All-in-One Coverage:

Health Insurance
Funeral Cover R30,000
Life Cover R150,000

HealthCard & HealthWallet Top-up

Optional: R50–R150 monthly

  • • Medicine shortfalls
  • • Transport to clinic
  • • Gym visits & fitness classes
  • • Pharmacy visits
  • Funds ring-fenced for healthcare only
  • Unified health + life + lifestyle in one mobile wallet
  • Dynamic score reward system
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54 SmartLife

Ultra-Affordable Life Cover

Automatic Life Cover Formula:

R50 life cover for each R100 saved in HealthWallet

R30,000 cover R35 pm
R50,000 cover R49 pm
R75,000 cover R69 pm

FREE Bonus Cover!

Active HealthWallet contributors (R50–R150 pm top-up) automatically receive R15,000 life cover at no extra cost

  • Automatic life cover for HealthWallet users
  • Cover grows as you save for preventive health or medicine
  • Rewards healthy savings behavior
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Ready to Get Started?

Contact us to learn more about our innovative insurance products

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