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

Critical Illness Cover is an optional insurance product which provides the following benefits:

 

Critical Illness benefit

Payment of R12 100 will be made if you are diagnosed with a Critical Illness. There is a waiting period of 3 months for this benefit which is calculated from the start date of the policy.

 

A Critical Illness refers to the first positive diagnosis of a Critical Illness by a specialist doctor, after the start of the policy, and whilst you are alive. A Critical Illness refers to any of the following:

 

Heart attack, stroke, certain types of cancer, coronary artery surgery, end stage kidney failure, major organ transplants and total paraplegia.

 

This benefit is only paid out once for each Critical Illness.

 

Mobility Benefit

This once –off extended benefit is payable if you become permanently dependent on a wheelchair for mobility as a direct result of a Critical Illness for which you have already been diagnosed and a claim has been approved.

Terms and Conditions apply. Foschini Retail Group (Pty) Ltd is an authorised financial services provider (FSP 32719) and registered credit provider in terms of the National Credit Act (NCRCP#36). TFG holds Professional Indemnity Insurance and Fidelity Insurance Cover.

Critical Illness Spouse Policy Document

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TFG Domesti-Care

TFG Domesti - Care offers you the opportunity to provide your domestic worker with insurance cover, 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.

 

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 calculated from the starting date of the policy.

 

A Critical Illness Benefit

This 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 calculated from the starting date of the policy.

 

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.

Terms and conditions 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.

TFG Domesti-Care Policy Wording

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TFG CancerCare

TFG CancerCare

As an account holder at any TFG (The Foschini Group) store, you have access to this optional insurance product.

INSURANCE BENEFITS Dread Disease benefit If you are diagnosed with cancer (except skin cancer), a once-off payment of       R25 650 will be made to you (subject to a 3 month waiting period from the starting date of the policy). Death benefit Payment of R25 650 will be made to your nominated beneficiary on your death (there is a 3 month waiting period from the starting date of the policy for natural death, but no waiting period for accidental death). You will also have 24 hour access to the following value added benefits:  Medical and Health Helpline Legal Assist Helpline

Trip Monitor Service

Mother and Baby Careline All this for R44.90 per month, guaranteed for the first month and conveniently debited and collected from your TFG store account. The premium is reviewed once every calendar year.

Spouse option (available for additional premium of R21.50 per month, guaranteed for the first month and subject to review once every calendar year) benefits include:

Dread Disease benefit

If your spouse is diagnosed with cancer (except skin cancer), a once-off payment of R6 500 will be made to you (subject to a 3 month waiting period from the starting date of the policy).

Death benefit

Payment of R13 000 will be made to you on the death of your spouse (there is a 3 month waiting period from the starting date of the policy for natural death, but no waiting period for accidental death). Terms and conditions 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.

TFG CancerCare Policy Document

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TFG Critical Care

TFG Critical Care is an optional insurance product which provides TFG account holders with the following benefits:

 

A Critical Illness Benefit

This provides you 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.

 

An Income Protector Benefit (when hospitalised)

If you are admitted to hospital for more than 48 hours, we will pay you R450 per day that you are in hospital (R900 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.

 

An Accidental Death Benefit of R14 200.

There is no waiting period for the accidental death cover.

 

All these benefits are available for R37.95 per month (with spouse option for an additional R20.95 pm), guaranteed for the first month and billed to your TFG store account. The premium is reviewed once a year.

 

 

Terms and conditions 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.

 

 

TFG Critical Care Policy Document

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TFG Critical Care Family

TFG Critical Care Family is an optional insurance product which provides TFG account holders with the following benefits:

 

A Critical Illness Benefit

This provides you, your spouse 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 spouse 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 illnesses. There is a 3 month waiting period for this benefit.

 

An Income Protector Benefit (when hospitalised)

If you, your spouse or your child/children are admitted to hospital for more than 48 hours, we will pay you R450 per day that you, your spouse 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.

 

An Accidental Death Benefit.

R14 100 will be paid to your nominated beneficiary in the event of your death and R14 100 will be paid to you in the event of your spouse’s accidental death. R7 100 will be paid to you in the event of your child’s accidental death.

There is no waiting period for the accidental death cover.

 

You can choose to cover up to four children who are older than 6 months and under the age of 21.

 

All these benefits are available for R87.82 per month, guaranteed for the first month and billed to your TFG store account. The premium is reviewed once a year.

 

Terms and conditions 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.

TFG Critical Care Family Policy Document

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TFG CancerCare Platinum

TFG CancerCare Platinum

As an account holder at any TFG (The Foschini Group) store, you have access to this optional insurance product. INSURANCE BENEFITS: Dread Disease benefit

If you are diagnosed with cancer (except skin cancer), a once-off payment of R44 000 will be made to you (subject to a 3 month waiting period from the starting date of the policy). Death benefit 

Payment of R22 000 will be made to your nominated beneficiary on your death (there is a 3 month waiting period from the starting date of the policy for natural death, but no waiting period for accidental death). Child Cancer benefit

We will cover up to 4 of your children for cancer of the brain or spinal cord, nerve cells, skeletal muscles, retina, kidneys, bones or blood-forming tissues (leukaemia); a once-off payment of R11 000 will be made to you. This benefit is subject to a 3 month waiting period from the starting date of the policy. Complications of Pregnancy and Childbirth benefit

A once-off payment of R5 500 will be made to you if, during weeks 1 to 25 of your pregnancy, you are diagnosed by your doctor with one of these specified conditions: gestational hypertension, toxaemia, pre-eclampsia, an ectopic pregnancy, a molar pregnancy, post partum haemorrhaging, retained placenta membrane, placental abruption, placenta praevia, a stillbirth, medically necessary emergency Caesarean sections and any premature births where the child must be under special treatment. This benefit is subject to a 3 month waiting period from the starting date of the policy.

You will also have 24 hour access to the following value added benefits:  Medical and Health Helpline Mother and Baby Care line Trip Monitor Service

Legal Assist Helpline All this is available for R62.04 per month, conveniently debited and collected from your TFG store account and reviewed once every calendar year.  Terms and conditions apply. Foschini Retail Group (Pty) Ltd (VAT number: 4210187250) is an authorised financial services provider. Insurance is underwritten by Guardrisk Insurance Company Limited (VAT number: 4250138072), an authorised financial services provider.

TFG CancerCare Platinum Policy Document

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TFG Dental Plan Family

TFG Dental Plan Family

TFG Dental Plan Family Policy Documents

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TFG Dental Plan

TFG Dental Plan

TFG Dental Plan Policy Documents

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