Health

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.

Critical Illness Cover

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.

Claim Form

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Critical Illness P&D

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TFG CancerCare

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 CancerCare Policy Document

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Claim Form

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TFG Critical Care

TFG CRITICAL CARE

As a TFG Money Account holder, you have access to this optional insurance product, which covers you and your family.

If you take up the product for yourself, you will have the following insurance cover:

A Critical Illness Benefit

This provides you with R8 000 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 policy.

 

An Income Protector Benefit (when hospitalised)

If you are admitted to hospital for more than 48 hours, we will pay R500 per day that you are in hospital (R1000 per day if hospitalisation is due to a critical illness) from day 1, for a maximum of 30 days per 12 uninterrupted calendar months. There is a 3 month waiting period for this benefit from the starting date of the policy.

 

An Accidental Death Benefit

If you die in an accident, we will pay R15 500 to any person you choose. There is no waiting period for the accidental death cover. 

All these benefits are available for R42.00 per month, guaranteed for the first month and billed to your TFG Money Account. You can choose to cover your partner with the same benefits for an additional monthly premium of R23.00.

 

If you would like to cover yourself, your partner and up to four of your children who are older than 6 months and younger than 21, you can take up the Family Option.  If you take up the Family Option, you and your family will have the following insurance cover:A Critical Illness Benefit

This provides you, your partner and your children with 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. You will receive a pay-out of R7 100 if you or your partner are diagnosed with one of these critical illnesses, and you will receive a pay-out R3 500 if your child is diagnosed with one of these critical illnessesThere is a 3 month waiting period for this benefit from the starting date of the policy.

 

An Income Protector Benefit (when hospitalised)

If you, your partner or your child/children are admitted to hospital for more than 48 hours, we will pay R450 per day that you, your partner or your child/children are in hospital (R900 per day if hospitalisation is due to a critical illness) from day 1, up to a maximum of 100 days per 12 uninterrupted calendar months for all persons insured under the policy combined.

There is a 3 month waiting period for this benefit from the starting date of the policy.

 

An Accidental Death Benefit.

If you or your partner die in an accident, we will pay R14 100 (this amount will be paid to any person you choose if you die, and this amount will be paid to you if your partner dies). If your child dies in an accident, we will pay you R7 100.

There is no waiting period for the accidental death cover.

 

 

All these benefits are available for R87.82 per month, guaranteed for the first month and billed to your TFG Money Account.

 

Terms, conditions, limitations, exclusions and charges 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 Critical Care Policy Document

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Claim Form

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TFG CancerCare Platinum

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 CancerCare Platinum Policy Document

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Claim Form

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TFG Dental Plan

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):

 

 

 

Benefit

 

Waiting Period

 

Claim Event

Payout

Number of Claims

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

Emergency

No waiting period

 

Dental Abscess Dental Emergency

 

Day to Day Dental Event

R1 000

R1 000

 

R500

 

 

Per tooth

Per emergency

 

Payable twice per year

Accident

No waiting period

 

Chipped Tooth Fractured Tooth Knocked Tooth

R500

R2 000

R2 000

 

Oral Cancer

3 month waiting period from the starting date

Oral Cancer

R15 000

Once-off payment

Jaw Fracture

No waiting period

 

Jaw Fracture

R15 000

 

 

 

 

TFG CUSTOMER

 

TFG Customer

 

 

PREMIUM

R49

PER MONTH

 

TFG CUSTOMER PLUS 1

 

TFG Customer and partner or child

 

PREMIUM

R89

PER MONTH

 

TFG CUSTOMER PLUS 2

 

TFG Customer, partner and child or TFG Customer and two children

 

PREMIUM

R129

PER MONTH

 

FAMILY OPTION

 

TFG Customer, partner and up to 4 children

 

PREMIUM

150

PER MONTH

 

 

 

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 Dental Plan Policy Notice Disclosure

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Claim Form

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TFG Domesti-Care (long term insurance)

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 Domesti-Care (long term insurance)

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Claim Form

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TFG Cancer Cover

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). 

TFG Cancer Cover P&D

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TFG Cancer Cover Claim Form

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