South Africa Covid19




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. At the time, and apart from its potential health threat, little was known of the virus nor the degree of impact it would have on the world. 

Since then, and in the year that has followed, the Coronavirus has become a global health crisis and profoundly affected individuals, communities, businesses and governments alike. In South Africa, at least 50 000 people have succumbed to COVID-19, tens of thousands of companies shut their doors and unemployment soared to above 40%. The virus also affected our familial relationships, our social interactions, our mobility and the way in which we worship. Indeed, it has been a devastating time for both lives and livelihoods. 


Regulations governing various lockdown levels were previously issued by Government in terms in the Disaster Management Act and remain in force today. Generally speaking, these Regulations were designed to reduce the spread of the Coronavirus by placing applicable restrictions on organisations and individuals.

Whilst Kganya offers “essential services” in terms of the Regulations and could therefore continue operating throughout the various lockdown levels, religious gatherings such as those held at ZCC Church branches on a weekly basis were (and remain) prohibited. This resulted in detrimental consequences for Pukwana ya Kganya, Sedi la Kganya and Kganya Koloi customers in that the ban on Church services meant that Kganya customers were for some time unable to pay their monthly Contributions and Premiums in cash at their Church branches.


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 always have the comfort of knowing that they will be secure in their time of utmost need. 

Given the uncertainty that has prevailed over the past year and indeed the uncertainty surrounding the future of the pandemic, we believe that Kganya’s mandate has never been more important.

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

We therefore take this opportunity to advise customers of the following initiatives that have been undertaken by ZCC and Kganya over the past year. These initiatives have been executed not only to ensure the continuous provision of certain Kganya related services but also to Treat Customers Fairly during these difficult times.

      Kganya Service Centres have and will continue to remain open during office hours for the purpose of accepting all Kganya claims. Members and their beneficiaries are advised again to submit all Kganya claims to our offices for assessment and not to withhold any claims because of any previously missed Contributions or Premiums.
      Our Kganya Claims Desk remains operational and all claims submitted will be assessed and authorised as timeously and fairly as possible.
      Our new and improved Call Centre remains available 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 for you to leave a message with your contact details and we will return your call as soon as possible.
      As mentioned previously, religious gatherings such as those held at ZCC Church branches on a weekly basis remain prohibited, as at time of writing. However, and thanks to the enormous efforts by His Grace and the ZCC Church Council, an exemption was granted by Government allowing Kganya customers to resume payment of their monthly Contributions and Premiums at their Church branches from June 2020. You should at that time have recommenced your monthly Kganya product payments in the normal course as not doing so may jeopardise your Good Standing from that point onwards.

      This Government exemption was subject to COVID-19 safety protocols being put in place at the various branches which was so done under direction from ZCC. You are urged to abide by such protocols when attending your local Church branch for the purposes of making monthly payments.

      Kindly note that future arrangements regarding possible Church service gatherings are a Church related matter and you will be advised by your Church Committees accordingly. Kganya cannot intervene in these matters in any way. 

      Understandably, customers were concerned that insurance benefits would 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. This being the case from the last week in March 2020 and up to the end of May 2020. 

      Contribution and Premium Holidays were then instituted by ZCC and Kganya Benefits Fund Trust to ensure that no existing Pukwana ya Kganya, Sedi la Kganya or Kganya Koloi customer would be prejudiced as a result of being unable to pay Contributions or Premiums at their Church branch during this period. Furthermore, there was no need for any customer to “back pay” missed March 2020, April 2020 or May 2020 Contributions or Premiums.

      This temporary relief was seen as a way of assisting the many loyal customers that have supported Kganya over the years. We note that on average 98% of all Burial Benefit claims presented were paid over this time. Importantly, the above-mentioned payment Holidays only applied to the period from the last week in March 2020 and up to the end of May 2020 and would not apply to any future circumstances that may impact customer payment abilities.

We wish you peace, safety and good health during this time and trust that these measures have been of some relief to you.
Finally, our thoughts and prayers are with those members of Zion Christian Church that have been negatively affected by the pandemic in any way.   

Welcome to our website! Authorised Financial Services Provider, FSP 7974.