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Sedi La Kganya

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Sedi la Kganya is underwritten by Centriq Insurance Company Limited (“Centriq”)
a licensed non-life insurer and authorised Financial Services Provider (FSP 3417)
The Kganya Benefits Fund Trust holds preference shares in a Centriq Insurance Company Ltd Cell Captive
Sedi la Kganya is underwritten by Centriq Insurance Company Limited (“Centriq”)
a licensed non-life insurer and authorised Financial Services Provider (FSP 3417)
The Kganya Benefits Fund Trust holds preference shares in a Centriq Insurance Company Ltd Cell Captive

All of the information presented below is provided for information purposes only. Policyholders should read the Policy wording contained in their Policy Book very carefully in order to understand the terms, conditions and exclusions relating to the Policy. In the event of uncertainty, please feel free to phone the Kganya Helpline 0800 000 538.

WHAT IS SEDI LA KGANYA?:

  • Insurance that covers the brick house or Mokhukhu structure of a ZCC member who is a Policyholder (Building).
  • It also covers the things that you own inside of your house (Contents).
  • Sedi la Kganya also provides accidental death and permanent disability cover to the Policyholder and nominated occupants of the house.
  • The Sedi la Kganya Policy is only made available to ZCC members in good standing.
  • The Policy is underwritten by Centriq Insurance Company Limited.

MONTHLY PREMIUM

With effect 1 April 2022, the monthly Premium payable comprises the following:

  • Centriq Risk Premium: R53.09
  • KIA Commission: R17.45
  • KIA Binder Fee: R11.04
  • No Claim Bonus: R10.42
  • SASRIA: R3.00
  • Monthly Premium: R95.00 (15% VAT included)

INSURANCE FOR YOUR BRICK HOUSE

WHAT IS THIS?

  • Insurance that covers the brick house (Standard Construction) of a Policyholder.
  • Insurance that also covers the things owned inside of your house.
  • This insurance has a very low excess amount of R300 per claim.
  • Kganya even pays you a claims preparation fee of R500 for when you get quotations and when you travel to your Church Branch to obtain your claim form (if your claim is accepted).
Maximum Cover for Damage Maximum Cover for Theft Maximum Cover for Transport Excess No Claim Bonus
R60 000 for the brick structure AND R60 000 for what you own inside of your house. R18 000 per incident. R500 travelling costs paid to you as a claims preparation fee. R300 Excess No Claim Bonus of R250. This is our reward to you for looking after your home and its contents.

We protect you from damage caused by:

  • Fire
  • Storm
  • Wind
  • Hail
  • Lightning
 Only 2 theft claims per year. This is paid to you only if your claim is approved by Kganya. The Excess is the money that is taken off of your claim when it is paid out. Why? To make sure that only larger claims are handed in by Policyholders. If you pay your Premium every month consecutively for each 24 month period from the time you took out this Policy, and you do not have any claims during each of these 24 month periods, you may claim R250 back. The benefit is not optional and the cost of the benefit is R10.42 per month

INSURANCE FOR YOUR BUILT SHACK

WHAT IS THIS?

  • Insurance that covers the built shack (Mokhukhu or Non-Standard Construction) of a Policyholder. This means any Building that is built with mud, bricks and sticks or built with corrugated iron or wooden walls. The roof must be corrugated iron or thatch and most importantly the house must be built on a concrete slab.
  • Insurance that also covers the things that you own inside of your shack.
  • This insurance has a very low excess amount of R300 per claim.
  • Kganya even pays you a claims preparation fee of R500 for when you get quotations and when you travel to your Church Branch to obtain your claim form (if your claim is accepted).
Maximum Cover for Damage Maximum Cover for Theft Maximum Cover for Transport Excess No Claim Bonus
R36 000 for the shack AND R36 000 for what you own inside of your shack. R12 000 per incident. R500 travelling costs paid to you as a claims preparation fee. R300 Excess No Claim Bonus of R250. This is our reward to you for looking after your home and its contents.

We protect you from damage caused by:

  • Fire
  • Storm
  • Wind
  • Hail
  • Lightning
 Only 2 theft claims per year. This is paid to you only if your claim is approved by Kganya. The Excess is the money that is taken off your claim when it is paid out. Why? To make sure that only larger claims are handed in by Policyholders. If you pay your Premium every month consecutively for each 24 month period from the time you took out this Policy, and you do not have any claims during each of these 24 month periods, you may claim R250 back. The benefit is not optional and the cost of the benefit is R10.42 per month.

ACCIDENTAL DEATH COVER

WHAT IS THIS?

  • A Policyholder can nominate and cover the lives of up to 5 persons permanently living in their home with them.
  • The Policyholder and these nominated persons will be covered in the event of Accidental Death at any place.
  • Accidental Death means:
    • Death must be as a result of an accident and must not be expected by the person.
    • The injury that caused the death must be visible/seen.
    • The injury must cause the death of the person.
Insured Person Maximum Amount Payable
Policyholder R15 000
Person 14 years or older R15 000
Person between 6 and 13 years old inclusive R5 500
Person between 1 and 5 years old inclusive R2 750
A baby before their first birthday R1 500

WHAT IS NOT COVERED?

  • If you put yourself in danger in any way.
  • If you commit suicide or try to commit suicide.
  • If you hurt yourself on purpose.
  • A stillborn child.

PERMANENT DISABILITY COVER

WHAT IS THIS?

  • A Policyholder can nominate and cover the lives of up to 5 persons permanently living in their home with them.
  • The Policyholder and these nominated persons will be covered in the event of Permanent Disability as a result of an accident at any place.
  • Permanent Disability means:
    • The accident must not be expected by the person.
    • You must be able to see the injury.
    • The injury must cause Permanent Disability of the person and only the specified Disabilities below will be covered.
    • Permanent Disability is an injury that will be there for the rest of the person’s life and there is little or no chance of it healing.
Type of Permanent Disability Policyholder Person Aged 14 - 24 Years Person Aged 6 - 13 Years Person Aged 1 - 5 Years Person Aged 0 - 1 Year
Permanent and total quadriplegia R15 000 R15 000 R5 500 R2 750 R1 500
Permanent and total paraplegia or the loss of 2 or more limbs at or above the wrist or ankle R15 000 R15 000 R5 500 R2 750 R1 500
Permanent and total loss of speech R15 000 R15 000 R5 500 R2 750 R1 500
Permanent and total loss of hearing in both ears R15 000 R15 000 R5 500 R2 750 R1 500
Permanent and total loss of hearing in 1 ear R7 500 R7 500 R3 000 R1 500 R750
Partial loss of hearing in one ear (50%) R3 500 R3 500 R1 500 R750 R375
Permanent and total loss of sight in both eyes R15 000 R15 000 R5 500 R2 750 R1 500
Permanent and total loss of sight in 1 eye R7 500 R7 500 R3 000 R1 500 R750
Partial loss of sight in one eye (50%) R3 500 R3 500 R1 500 R750 R375
Loss or loss of use of limb at or above the wrist or ankle R15 000 R15 000 R5 500 R2 750 R1 500
Complete loss of 4 fingers on one hand (loss of at least 2 joints) R10 000 R10 000 R4 000 R2 000 R1 000
Complete loss of 3 fingers on one hand (loss of at least 2 joints) R5 500 R5 500 R2 200 R1 100 R700
Complete loss of 2 fingers on one hand (loss of at least 2 joints) R3 000 R3 000 R1 200 R900 R750
Complete loss of thumb (loss of 2 joints) R4 500 R4 500 R1 800 R900 R750
Partial loss of thumb (at least 1 joint) R2 200 R2 200 R900 R900 R750
Complete loss of 4 toes on one foot (loss of at least 2 joints) R4 500 R4 500 R1 800 R900 R750
Complete loss of a toe on any foot (at least 1 joint) R1 500 R1 500 R1 200 R900 R750

WHAT IS NOT COVERED?

  • If you put yourself in danger in any way.
  • If you try to commit suicide.
  • If you hurt yourself on purpose.
  • Injuries that are temporary or where the condition may improve.

HOW DO I APPLY FOR SEDI LA KGANYA?

  • You must be in good standing with ZCC before you can join Sedi la Kganya.
  • You must then read the Sedi la Kganya Summary Terms and Conditions, available at your Church Branch, prior to completing the Policy application form. This will ensure that you have a clear understanding of all covers and limitations applicable to the Policy and will assist you in deciding whether this product is suitable for you.
  • Sedi la Kganya application forms are then also obtainable from your Church Branch should you decide to proceed with applying for this Policy.
  • Sedi la Kganya premiums are paid at your Church Branch every month. Please ensure that you pay your Sedi la Kganya premiums every month to stay protected.
  • You must always make certain that the Official at your Church Branch sticks a receipt into your Sedi la Kganya Policy Book when you have paid.

HOW DO I CLAIM?

  • Phone Kganya Insurance Administrators (Pty) Ltd (RF) on 0800 000 538 between 8:00am and 4:30pm, Mondays to Fridays, and tell them what happened. The consultant will advise you on how to deal with your claim.
  • Please obtain at least two quotes per damaged item, in order for the lost or damaged goods to be replaced. The quotes should be to replace the lost or damaged item with a similar product. The purpose of this insurance is to place you in exactly the same position as you were before the incident (not better or worse off).
  • If there is lightning damage, please get a report from a repairer that describes the cause of the damage and what the repairs will cost.
  • In the case of an accidental death claim, you must obtain a death certificate.
  • In the case of a permanent disability claim, please make sure that the injury that is being claimed for is a permanent disability and not an injury that will eventually heal. Please note that only specified disabilities qualify for cover.
  • Thereafter, please visit your Church Branch Committee and get a claim form. They will help you to complete the document as required.
  • Please ensure that your claim form is then handed over to a Kganya Service Centre Manager at your nearest Kganya Service Centre. Alternatively, you may email your claim directly to claimsps@kganya.co.za for prompt processing.