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  LAST UPDATED: 23 APRIL 2020

BACKGROUND


On 15 March 2020, the South African State President announced the declaration of a national state of disaster as a result of the Coronavirus pandemic. A 21 day nationwide lockdown was then enforced by Government and was subsequently extended by a further two weeks. At time of writing, the current lockdown period is in effect from 27 March 2020 to 30 April 2020.

 

Regulations governing the lockdown period were issued by Government in terms in the Disaster Management Act. Generally speaking, these Regulations were designed to reduce the spread of the Coronavirus by keeping South Africans safely at home. There are some exemptions to these restrictions and they relate to the providing or sourcing of certain essential services and products (e.g. buying groceries, seeking medical attention etc.).

 

For the purposes of this communication and as it relates to Kganya customers, there are two key aspects of the Regulations to note:

 

  • Firstly, certain services offered by Kganya are deemed to be essential services and may therefore continue to be offered during the lockdown period.

 

  • Secondly, religious gatherings such as those held at ZCC Church branches on a weekly basis are prohibited during the lockdown period.

 

Kganya is acutely aware of the consequences that the lockdown period has had on its Pukwana ya Kganya, Sedi la Kganya and Kganya Koloi customers. Specifically, and while Kganya has been able to continue certain critical operations, the ban on Church services has meant that Kganya customers have been unable to pay their monthly Contributions and Premiums in cash at their Church branches over the lockdown period.

 

SUPPORTING PUKWANA YA KGANYA, SEDI LA KGANYA AND KGANYA KOLOI CUSTOMERS

 

Kganya was created with the main purpose of developing and servicing insurance related products within ZCC. These products were established at the behest of His Grace Bishop Dr BE Lekganyane and the Kganya Benefits Fund Trust and offered to members to reduce financial stress in unforeseen situations. For Pukwana ya Kganya this relates to death, disability and dread disease. For Sedi la Kganya this relates to home and household content loss or damage. For Kganya Koloi this relates to vehicle accidents and vehicle theft. In all cases, members in Good Standing covered under these policies should have the comfort of knowing that they will be secure in their time of utmost need. Given the current uncertainty, we believe that Kganya’s mandate has become even more important.

 

We wish to categorically confirm that Kganya has taken all necessary steps to ensure that its operations remain uninterrupted and that members will continue to have access to the many benefits available under these products. Kganya firmly intends delivering on its commitment to His Grace, the Kganya Benefits Fund Trust and the ZCC congregation at large.

 

We therefore wish to advise customers of the following initiatives that have been undertaken by Kganya. These initiatives have been executed not only to ensure the continuous provision of certain Kganya related services but also to support customers during these difficult times.

 

  • KGANYA SERVICE CENTRES
  •  

    Kganya Service Centres will remain open during office hours throughout the lockdown period for the purpose of accepting all Kganya claims. Members are advised to submit all Kganya claims to our offices for assessment and not to withhold any claims because of any missed Contributions or Premiums.

 

  • KGANYA CLAIMS
  •  

    Our Kganya Claims Desk remains operational and all claims submitted will be assessed and authorised as timeously and fairly as possible.

 

  • KGANYA CALL CENTRE
  •  

    Our new and improved Call Centre remains available during the lockdown to all members on 0800 000 538 for the purposes of handling any Kganya product or claim related queries. Please note that our Call Centre may experience higher than normal call volumes. An option is available to leave a message with your contact details and we will return your call as soon as possible.

 

  • KGANYA CONTRIBUTIONS AND PREMIUMS
  •  

    We have received a number of enquiries from members in this regard. Understandably, customers are concerned that insurance benefits will not be available at time of possible claim due to forced non-payment of their Pukwana ya Kganya Contributions and Sedi la Kganya and Kganya Koloi Premiums at Church branches during the lockdown period. Rest assured, we as Kganya have been working tirelessly towards solutions in support of members.

 

    In conjunction with ZCC and Kganya Benefits Fund Trust, we are pleased to inform existing Kganya customers of newly established CONTRIBUTION AND PREMIUM HOLIDAYS.

 

    Contribution and Premium Holidays have been instituted to ensure that no existing Pukwana ya Kganya, Sedi la Kganya or Kganya Koloi customer will be prejudiced as a result of being unable to pay Contributions or Premiums at their Church branch during the lockdown period. Essentially, ZCC and Kganya Benefits Fund Trust will pay Contributions and Premiums on behalf of customers who were unable to do so from 27 March 2020 to 30 April 2020 and who need their claims honoured. This temporary relief is seen as a way of assisting the many loyal customers that have supported Kganya over the years. Furthermore, there will be no need for any customer to “back pay” missed March 2020 or April 2020 Contributions or Premiums.

 

 

    Contribution and Premium Holidays will apply differently to the various Kganya products and underlying Benefits. As such we have outlined rules which will apply to any claimable incidents taking place in April 2020 and May 2020. Please do take the time to read and understand these temporary rules listed below where they relate to you.

 

    Kindly note that arrangements regarding Church gatherings as well as monthly Contribution and Premium payments after the lockdown period has ended are Church related matters and you will be advised by your Church Committees accordingly. Kganya cannot intervene in these matters in any way. You should, however, endeavour to continue your monthly Kganya product payments as soon as you are able to. Not doing so may jeopardise your Good Standing in the months that follow the end of the lockdown period when normal rules will again apply.

 

    We wish you peace, safety and good health during this time and trust that these measures will be of some relief to you.

 

SOUTH AFRICA
TEMPORARY GOOD STANDING RULES

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    PUKWANA YA KGANYA BURIAL BENEFIT

    NORMAL GOOD STANDING RULE:

 

    The Member will be in Good Standing if he/she purchased a Receipt in:

 

  • each of the three calendar months prior to the month of death without interruption in the case of natural death.

 

    OR

 

  • in the one calendar month prior to the month of death or in the calendar month of death but prior to the date of death, in the case of accidental death.

 

    TEMPORARY CONTRIBUTION HOLIDAY FOR APRIL 2020 DEATHS:

 

    For all Burial Benefit claims received with a date of death between 1 April 2020 and 30 April 2020, where all other claims requirements have been met, the Member will be in Good Standing if he/she purchased a Receipt in:

 

  • January 2020 AND February 2020 in the case of natural death.

 

    OR

 

  • in February 2020 OR MARCH 2020 (prior to lockdown) in the case of accidental death.

 

    Members are effectively being given a Contribution Holiday for the March 2020 Receipt, where needed. A level of Good Standing prior to lockdown is, however, required.

 

    TEMPORARY CONTRIBUTION HOLIDAY FOR MAY 2020 DEATHS:

 

    For all Burial Benefit claims received with a date of death between 1 May 2020 and 31 May 2020, where all other claims requirements have been met, the Member will be in Good Standing if he/she purchased a Receipt in:

 

  • February 2020 in the case of natural death.

 

    OR

 

  • in February 2020 OR MARCH 2020 (prior to lockdown) in the case of accidental death.

 

    Members are effectively being given a Contribution Holiday for March 2020 and April 2020 Receipts. A level of Good Standing prior to lockdown is, however, required.

 

_______________________________________________

 

    PUKWANA YA KGANYA DREAD DISEASE BENEFIT

    NORMAL GOOD STANDING RULE:

 

    The Member will be in Good Standing if he/she purchased a Receipt in each of the three calendar months prior to the month of diagnosis without interruption.

 

    TEMPORARY CONTRIBUTION HOLIDAY FOR APRIL 2020 DIAGNOSES:

 

    For Dread Disease Benefit claims received with diagnosis date between 1 April 2020 and 30 April 2020, where all other claims requirements have been met, the Member will be in Good Standing if he/she purchased a Receipt in:

 

  • January 2020 AND February 2020.

 

    Members are effectively being given a Contribution Holiday for the March 2020 Receipt, where needed. A level of Good Standing prior to lockdown is, however, required.

 

    TEMPORARY CONTRIBUTION HOLIDAY FOR MAY 2020 DIAGNOSES:

 

    For Dread Disease Benefit claims received with diagnosis date between 1 May 2020 and 31 May 2020, where all other claims requirements have been met, the Member will be in Good Standing if he/she purchased a Receipt in:

 

  • February 2020.

 

    Members are effectively being given a Contribution Holiday for March 2020 and April 2020 Receipts. A level of Good Standing prior to lockdown is, however, required.

 

_______________________________________________

 

    PUKWANA YA KGANYA PERSONAL ACCIDENT BENEFIT

    NORMAL GOOD STANDING RULE:

 

    The Member will be in Good Standing if he/she purchased one Receipt in the calendar month prior to the month of the accident or in the calendar month in which the accident occurred but prior to the date of the accident.

 

    TEMPORARY CONTRIBUTION HOLIDAY FOR APRIL 2020 AND MAY 2020 ACCIDENTS:

 

    For Personal Accident Benefit claims received with an injury date between 1 April 2020 and 31 May 2020, where all other claims requirements have been met, the Member will be in Good Standing if he/she purchased a Receipt in:

 

  • February 2020 OR MARCH 2020 (prior to lockdown).

 

    Members are effectively being given a Contribution Holiday for March 2020 and April 2020 Receipts, as the case may be. A level of Good Standing prior to lockdown is, however, required.

 

_______________________________________________

 

    SEDI LA KGANYA AND KGANYA KOLOI

    NORMAL GOOD STANDING RULE:

 

    Cover will last for 31 days following the date of last Premium payment. Policyholders will be given 45 days to pay their Premium from the date of last payment, meaning that they will be entitled to a 15 day grace period each month.

 

    TEMPORARY PREMIUM HOLIDAY FOR APRIL 2020 AND MAY 2020 ACCIDENTS:

 

    For Sedi la Kganya and Kganya Koloi claims received with an incident date between 1 April 2020 and 31 May 2020, where all other claims requirements have been met, the Policyholder will be in Good Standing if he/she purchased a Receipt in:

 

  • February 2020 OR MARCH 2020 (prior to lockdown).

 

    Policyholders are effectively being given a Premium Holiday for March 2020 and April 2020 Receipts, as the case may be. A level of Good Standing prior to lockdown is, however, required.

 

 
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