Health cover pays a benefit when a specified event that affects the insured’s health occurs. Depending on the optional TFG Insure product taken up, 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 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.
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TFG Dental Plan
TFG Dental Plan is an optional non-life insurance product that offers financial benefits to TFG customers for specific claim events occurring during the currency of the policy, as per the table below (each person insured under the policy will be covered as per the table):
|
Benefit |
Claim Event |
Waiting Period |
Pay-out |
Number of Claims |
|
Day to Day |
Severely decayed or damaged tooth
|
3 month waiting period from the start date |
R600 |
Once per tooth |
|
Impacted Wisdom tooth |
3 month waiting period from the start date |
R800 |
Once per wisdom tooth |
|
|
Emergency |
Dental Abscess |
No waiting period |
R1 100 |
Once per tooth for each five year period |
|
Dental Emergency |
No waiting period |
R1 100 |
Per emergency |
|
|
Day to Day Dental Event |
No waiting period |
R600 |
Payable twice per year |
|
|
Accident |
Chipped Tooth |
No waiting period |
R600 |
Payable twice per year |
|
Fractured Tooth |
No waiting period |
R2 500 |
|
|
|
Knocked Tooth |
No waiting period |
R2 500 |
|
|
|
Oral Cancer |
Oral Cancer |
3 month waiting period from the start date |
R20 000 |
Once-Off payment |
|
Jaw Fracture |
Jaw Fracture |
No waiting period |
R20 000 |
Once-off payment |
The table below shows the cover options available and the corresponding monthly premium:
|
Cover Option |
Who is Covered? |
Premium |
|
TFG Dental Plan |
TFG Customer only |
R55 per month |
|
TFG Customer plus 1 insured |
TFG Customer and partner or TFG Customer’s child |
R95 per month |
|
TFG Customer plus 2 insured |
TFG Customer, partner and Child or TFG Customer and two of the TFG Customer’s children |
R135 per month |
|
TFG Dental Plan Family Option |
TFG Customer, partner and up to 4 of the TFG Customer’s children |
R165 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 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 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 Money Account holder, you have access to this optional life insurance product.
INSURANCE BENEFITS FOR YOU
Dread Disease Benefit
If you are diagnosed with cancer, a once-off payment of R30 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 the policy.
Death Benefit
If you die, R30 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 R50.00 per month, guaranteed for one month and billed to your TFG Money Account. The premium is reviewed once every calendar year.
INSURANCE BENEFITS FOR YOUR PARTNER
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 R14 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, R14 000 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 R24.00 per month, guaranteed for one month and billed to your TFG Money Account. The additional premium is reviewed once every calendar year. If you choose to take up the partner option, your total monthly premium will be R74.00.
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, an insurer licensed to conduct life insurance business and an authorised financial services provider (FSP no.76).
