Health cover is a type of insurance cover that pays a benefit upon the happening of a specified event that affects the insured’s health.
Depending on the type of health cover chosen, the insured may be covered for events such as cancer, heart attacks or major organ transplants.
We are not selling this product at the moment. If you already have a policy, and would like to view/download your latest policy and disclosure notice, please click on the icon below.
Foschini Retail Group (Pty) Ltd is an authorised financial services provider. Insurance is underwritten by Guardrisk Insurance Company Limited, an authorised financial services provider.
We are not selling this product at the moment. If you have already taken up this product, and would like to view/download your latest policy and disclosure notice, please click on the icon below.
Foschini Retail Group (Pty) Ltd is an authorised financial services provider. Insurance is underwritten by Guardrisk Life Limited, a licensed life insurer in terms of the Insurance Act 18 of 2017 and an authorised financial services provider.
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We are not selling this product at the moment. If you have already taken up this product, and would like to view/download your latest policy and disclosure notice, please click on the icon below.
Foschini Retail Group (Pty) Ltd is an authorised financial services provider. Insurance is underwritten by Guardrisk Life Limited, a licensed life insurer in terms of the Insurance Act 18 of 2017 and an authorised financial services provider.
TFG Dental Plan
TFG Dental Plan is an optional insurance product that offers financial benefits to TFG customers for specific claim events occurring during the currency of this policy, as per the table below (each person insured under the policy will be covered as per the table):
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Benefit
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Waiting Period
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Claim Event |
Payout |
Number of Claims |
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Day to Day |
3 month waiting period from the starting date |
Severely Decayed or Damaged Tooth
Impacted Wisdom Tooth |
R500
R750 |
Per tooth
Per tooth |
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Emergency |
No waiting period
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Dental Abscess Dental Emergency
Day to Day Dental Event |
R1 000 R1 000
R500
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Per tooth Per emergency
Payable twice per year |
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Accident |
No waiting period
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Chipped Tooth Fractured Tooth Knocked Tooth |
R500 R2 000 R2 000 |
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Oral Cancer |
3 month waiting period from the starting date |
Oral Cancer |
R15 000 |
Once-off payment |
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Jaw Fracture |
No waiting period
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Jaw Fracture |
R15 000 |
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TFG CUSTOMER
TFG Customer
PREMIUM R49 PER MONTH
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TFG CUSTOMER PLUS 1
TFG Customer and partner or child
PREMIUM R89 PER MONTH
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TFG CUSTOMER PLUS 2
TFG Customer, partner and child or TFG Customer and two children
PREMIUM R129 PER MONTH
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FAMILY OPTION
TFG Customer, partner and up to 4 children
PREMIUM 150 PER MONTH
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The monthly premium is guaranteed for the first month and subject to review once a year. The premium for the product is billed monthly to the customer’s TFG Money Account or paid by monthly debit order from the customer’s personal bank account.
Terms, conditions, limitations and exclusions apply and can be downloaded by clicking on the link below.
Foschini Retail Group (Pty) Ltd is an authorised financial services provider. Insurance is underwritten by Guardrisk Insurance Company Limited, an authorised financial services provider and an insurer licensed to conduct non-life insurance business in terms of the Insurance Act 18 of 2017.
TFG Domesti - Care offers you the opportunity to provide your domestic worker with insurance, which includes the following benefits:
An Accidental Death Benefit of R14 200.
There is no waiting period for the accidental death cover, which is payable to your domestic worker’s nominated beneficiary if your domestic worker dies in an accident.
An Income Protector Benefit (when hospitalised)
If your domestic worker is admitted to hospital for more than 48 hours, we will pay your domestic worker R450 per day (R900 if hospitalisation is due to a critical illness) from day 1, for a maximum of 30 days per 12 consecutive calendar months. There is a 3 month waiting period for this benefit from the starting date of the product.
A Critical Illness Benefit
This benefit provides your domestic worker with R7 100 cover against heart attack, stroke, certain types of cancer (excluding skin cancer), coronary artery surgery, end stage kidney failure, major organ transplant and total paraplegia. There is a 3 month waiting period for this benefit from the starting date of the product.
All these benefits for only R37.95 per month, guaranteed for the first month and billed to your TFG store account. The premium is reviewed once every calendar year.
You can also add the following additional benefits to this product:
- A Funeral Benefit for and extra R20.00 per month provides your domestic worker with a R10 000 death benefit. Natural death is subject to a three month waiting period from the starting date of the product. There is no waiting period for accidental death.
- A Permanent Disability Benefit for an extra R5.00 per month providers your domestic worker with R10 000 cover if he/she becomes permanently disabled because of an accident or because of one of the listed critical illnesses covered in the product. There is a three month waiting period for this benefit from the starting date of the product.
Terms, conditions, exclusions and limitations apply and can be downloaded by clicking on the link below.
Foschini Retail Group (Pty) Ltd is an authorised financial services provider. Insurance is underwritten by Guardrisk Life Limited, an authorised financial services provider.
TFG Cancer Cover
As a TFG Account holder, you have access to this optional insurance product.
INSURANCE BENEFITS
Dread Disease Benefit
If you are diagnosed with cancer, a once-off payment of R28 000 will be made to you. This benefit is subject to a three month waiting period calculated from the starting date of the policy. That means that the first diagnosis of the cancer must have been after the first three months of taking out this policy.
Death Benefit
If you die, R27 000 will be paid to any person you choose. This benefit is subject to a 3 month waiting period for natural death calculated from the starting date of the policy. There is no waiting period for accidental death.
The premium is R47.00 per month, guaranteed for one month and billed to your TFG Account. The premium is reviewed once every calendar year.
PARTNER OPTION INSURANCE BENEFITS
You can choose to take up cover for your partner, too. The partner benefits are:
Dread Disease Benefit
If your partner is diagnosed with cancer, a once-off payment of R7 000 will be made to you. This benefit is subject to a three month waiting period calculated from the starting date of the policy. That means that the first diagnosis of the cancer must have been after the first three months of taking out this policy.
Death Benefit
If your partner dies, R13 600 will be paid to you. subject to a 3 month waiting period for natural death from the starting date of the policy.
The premium is an additional R22.50 per month, guaranteed for one month and billed to your TFG Account. The additional premium is reviewed once every calendar year.
ADDITIONAL OPTIONAL INSURANCE BENEFITS
You can choose to take up one or both of the following additional benefits:
The Post-Operative Care Benefit (this benefit is not available for your partner)
We pay R2 500 per month, for up to four consecutive months, for each month that you receive post-operative care from a trained person for an extra premium of R5.00 per month, guaranteed for one month and reviewed once every calendar year.
There is a waiting period of three months from the policy start date for this benefit and it will only be paid out once in every 12 (twelve) month cycle, calculated from the starting date of the policy. You must be receiving the care on the advice of a doctor immediately after surgery for cancer.
The Income Assistance Benefit (this benefit is not available for your partner)
If a Doctor says that you can’t work because you have been diagnosed with cancer, and you are unable to continue earning an income as a result, this benefit pays R2 500 for each month that you are unemployed, for up to four consecutive months for an extra premium of R5.00 per month, guaranteed for one month and reviewed once every calendar year.
There is a waiting period of three months from the policy start date for this benefit and it will only be paid out once in every 12 (twelve) month cycle, calculated from the starting date of the policy.
Terms, conditions, limitations, exclusions and charges apply and can be downloaded by clicking on the icon below.
Foschini Retail Group (Pty) Ltd is an authorised financial services provider. Insurance is underwritten by Guardrisk Life Limited, a licensed life insurer an authorised financial services provider (FSP no.76).
