Beware of Discovery Life Policy.

Please don't be fooled by all the promises Discovery Life makes to you when they advertise their products to you. You will notice that on their brochures, everything is generalized, making you think that you are adequately covered. What you need to realize is that, they have a long list of exclusions that will get them out of paying when you eventually claim. All I am saying is that, ask them for a full list of what they will cover and what they won't, because they will not tell you about these things until you claim. Once you see this list of theirs, you will quickly see why taking out a policy with them is not worth your hard earned money. You ultimately have the right to choose the life insurance / Illness cover that you want, but it is my duty(As a member that is about to cancel my policy with them), to make sure that you receive a fair warning. I will leave you with two scenarios to ponder about. 1, You spend weeks in hospital and when you submit a claim, you find out that the very illness that landed you in hospital is not severe enough to be considered a severe illness, so your Severe Illness Benefit does not benefit you at all. 2, You pass away and your loved ones find out that the life policy they thought would look after them, actually wont, because of some weird medical condition that caused your death, which Discovery Life will so easily tell you they won't cover.