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.
|
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.
TFG CRITICAL CARE FAMILY
As an account holder at any TFG (The Foschini Group) store, you have access to this optional insurance product.
INSURANCE BENEFITS
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 illnesses. 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, your partner or your child/children are admitted to hospital for more than 48 hours, we will pay you 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.
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 partner’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, 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.
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 Family
As an account holder at any TFG (The Foschini Group) store, you have access to this optional insurance product.
TFG Dental Plan provides a range of benefits for different claim events, from severely decayed teeth to dental emergencies.
|
Benefit |
Waiting Period |
Claim Event |
Payout |
Number of Claims |
|
Day to Day |
3 months from starting date |
Severely Decayed or Damaged Tooth |
R500 |
Payable once per tooth |
|
Impacted Wisdom Tooth |
R750 |
May only be claimed and paid out once per tooth for each consecutive 5 year period |
||
|
Emergency |
None |
Dental Abscess |
R1000 |
May only be claimed and paid out once per tooth for each consecutive 5 year period |
|
Day to Day Dental Event |
R500 |
May only be claimed and paid out twice in a period of 12 consecutive months |
||
|
Dental emergency |
R1000 |
No limit |
||
|
Accident |
None |
Chipped Tooth |
R500 |
May only be claimed and paid out twice in a period of 12 consecutive months |
|
Fractured Tooth |
R2000 |
No limit |
||
|
Knocked Tooth |
R2000 |
|||
|
Oral Cancer |
3 months from starting date. Pre-existing condition exclusion applies |
Oral Cancer |
R15000 |
Once-off payment, per insured person |
|
Jaw Fracture |
None |
Jaw Fracture |
R15000 |
No limit |
Monthly premium is guaranteed for one month and subject to review once a yearTerms, conditions, exclusions and limitations apply and can be viewed 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. Claims are administered by Denis Insurance Administrators (Pty) Ltd, an authorised financial services provider.
TFG DENTAL PLAN
As an account holder at any TFG (The Foschini Group) store, you have access to this optional insurance product.
TFG Dental Plan provides a range of benefits for different claim events, from severely decayed teeth to dental emergencies.
|
Benefit |
Waiting Period |
Claim Event |
Payout |
Number of Claims |
|
Day to Day |
3 months from starting date |
Severely Decayed or Damaged Tooth |
R500 |
Payable once per tooth |
|
Impacted Wisdom Tooth |
R750 |
May only be claimed and paid out once per tooth for each consecutive 5 year period |
||
|
Emergency |
None |
Dental Abscess |
R1000 |
May only be claimed and paid out once per tooth for each consecutive 5 year period |
|
Day to Day Dental Event |
R500 |
May only be claimed and paid out twice in a period of 12 consecutive months |
||
|
Dental emergency |
R1000 |
No limit |
||
|
Accident |
None |
Chipped Tooth |
R500 |
May only be claimed and paid out twice in a period of 12 consecutive months |
|
Fractured Tooth |
R2000 |
No limit |
||
|
Knocked Tooth |
R2000 |
|||
|
Oral Cancer |
3 months from starting date. Pre-existing condition exclusion applies |
Oral Cancer |
R15000 |
Once-off payment, per insured person |
|
Jaw Fracture |
None |
Jaw Fracture |
R15000 |
No limit |
Monthly premium is guaranteed for one month and subject to review once a year
Terms, conditions, exclusions and limitations apply and can be viewed 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. Claims are administered by Denis Insurance Administrators (Pty) Ltd, an authorised financial services provider.
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).
