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Thari ya Baruti

Benefits indicated with a * are UNDERWRITTEN BY SANLAM DEVELOPING MARKETS LIMITED: FSP 11231 11230*
A LICENSED INSURER CONDUCTING LIFE INSURANCE BUSINESS
Benefits indicated with a * are UNDERWRITTEN BY SANLAM DEVELOPING MARKETS LIMITED: FSP 11231 11230*
A LICENSED INSURER CONDUCTING LIFE INSURANCE BUSINESS

All of the information presented below is provided for information purposes only. Members of KBFT should read the Membership Terms and Conditions very carefully in order to understand the terms and conditions relating to the various benefits and services offered by KBFT to its members. In the event of uncertainty, please feel free to phone the Kganya Helpline 0800 000 538 or click on the Contact Me tab.

Please contact the Kganya HelpLine on 0800 000 538 should you require copies of the documentation relating to your Membership.

Membership to KBFT in terms of the Thari ya Baruti Pukwana ya Kganya Contract is only available to church officials of the ZCC who applies to become members of KBFT.

ELIGIBILITY FOR MEMBERSHIP TO KBFT

To be a Member of the KBFT you must:

  • be a member of ZCC;
  • be 18 (eighteen) years of age or older;
  • purchase a Membership Book; and
  • pay an initial Membership Contribution to the KBFT evidenced by a receipt in your Payment Receipt Booklet.

A Member shall continue to be a Member for as long as such person remains a member of ZCC.

A member must at all times pay a membership contribution each month to KBFT. Failure to do so may impact eligibility for benefits.  

With effect 1 April 2023, the monthly membership contribution is R110 per member of KBFT. An additional premium is payable for additional cover and insurance benefits enjoyed by the church committee members as members of KBFT. KBFT will pay such additional premium of R19.76 to Sanlam from its own funds.

The full membership contribution is payable every Month. If you cannot afford the full membership contribution, or only want some and not all of the benefits of membership to KBFT, then membership to the Trust is not suitable for you. This is so since membership to KBFT entitles you to the full package of Basic Benefits which cannot be separated, or selectively paid for.

From the membership contributions, KBFT makes the following payments:

  • Premium to Sanlam for the Pukwana ya Kganya insurance contract: R74.75
  • Services Fee to KIA: R18.75 
  • Donation to ZCC: R11.17 
  • Retained by the Trust: R4.33
  • Retained by Church Branch: R1.00
    TOTAL: R110.00

From 1 April 2023, and as part of the Pukwana ya Kganya insurance contract, a member will also get access to a Basic Needs Benefit Policy underwritten by Sanlam. However, your Membership Contributions will not increase on 1 April 2023, and the Trust will pay the premiums due in terms of the Basic Needs Benefit Policy from the Trust’s own funds, being an amount of R6.90 per Policyholder per month. Your Membership Contributions will be reviewed during February 2024 and you will receive notification of any changes to your Membership Contribution, which will take effect from 1 April 2024, as provided for in your Membership Terms and Conditions Booklet.

In terms of the trust deed of KBFT, KBFT may review and amend the membership contributions. Every effort is made by the Trust to only increase the Membership Contributions every 2 years, which increase (if any) takes place with effect from 1 April.

By paying a membership contribution and becoming a member of KBFT, such membership entitles you to certain Enhanced Benefits and Enhanced Ancillary Benefits.  The Enhanced Benefits cannot be selected separately, and form part of the package of membership benefits offered to you.

  • ZCC, via KBFT, has made additional funeral and personal accident benefits available to church officials of the 20 member ZCC Church Branch Committees and ZCC Youth Committees (Officials) as well as permanent Moria workers at no cost to them.
  • These benefits are only available to Church Branch Committee Members, Youth Committee Members and Moria workers who are officially registered at Moria. Committees must be correctly registered, constituted and function within the ZCC constitution.
  • These persons will receive the additional benefits if they are members of KBFT, and pay their monthly membership contributions. 
  • The additional benefits will be paid if a claim for funeral benefits or personal accident benefits is accepted.
  • The amount of the additional benefit will be equal to 50% of the funeral benefits or the personal accident benefit. For example, if a funeral benefit of R27 000 is paid out then another R13 500 will be paid.
  • These additional benefits relate to funeral benefits and personal accident benefits only, and is only applicable to the policyholder (and not also to dependant children).
  • Terms and conditions apply.

The Enhanced Benefits offered as part of Membership to KBFT, consist of The following: 

Firstly, access to the Thari ya Baruti Pukwana ya Kganya Contract, being an insurance contract underwritten by Sanlam as arranged by KBFT, which provides the following insurance benefits in terms of policies of insurance: 

• funeral benefits and additional funeral benefits only available to church committee members as members of KBFT

• permanent disability benefits and additional permanent disability benefits only available to church committee members as members of KBFT

• payment of benefits on the happening of a dread disease; and

  • with effect from 1 April 2023, payment of basic needs benefits through grocery vouchers on the happening of your death, permanent disability of dread disease. 

In terms of the Pukwana ya Kganya Contract, and as a Member of KBFT, you are the policyholder entitled to the rights, obligations and insurance benefits in terms of the Pukwana ya Kganya Contract. 

Secondly, as long as you pay your membership contributions to KBFT, KBFT will pay the premiums and additional premiums for the additional funeral benefits and additional personal disability benefits in terms of the Thari ya Baruti Pukwana ya Kganya Contract to Sanlam. However, if you fail to pay the membership contributions to KBFT, KBFT will not pay the premiums or the additional premiums to Sanlam and your insurance cover and benefits in terms of the Pukwana ya Kganya Contract may terminate, be suspended or be impacted. 

Lastly, your Membership also entitles you to Enhanced Ancillary Benefits which consist of the following non-insurance benefits and services procured by KBFT: 

• Roadside Assistance Benefits. 

• Leeto la Moria (Discounted Transport) Benefits;

• Funerary Management Benefits; and

Lekgotla la Moruti Good Health Assessment Benefits. 

WHAT IS THIS?

  • As part of the Thari ya Baruti Pukwana ya Kganya Contract, a member will also get a funeral policy underwritten by Sanlam.
  • The funeral policy provides funeral benefits for a member as policyholder or nominated children who pass away by accidental or natural causes.
  • There is a 3-month waiting period before death by natural causes is covered.
  • Funeral Benefits make sure that the member as policyholder and nominated children can have a dignified funeral when they pass on from this world up to R27 000. An additional funeral benefit equal to 50% of the funeral benefit amount (R13 500) will be paid in the event of the death of the member as the policyholder.
  • All children nominated in the Payment Receipt Booklet, under 25 years old, will remain covered if the Policyholder dies.
  • Terms and conditions apply.
Who is Covered? Benefit Amount Remember
The Policyholder R27 000
  • Monthly Contribution receipts must be shown in your Payment Receipt Book in the correct month of purchase.

  • Keep your payments up to date to make sure you and your dependants are covered.

  • Certain Church branches have been supplied with Kganya funeral trailers and tents. The congregation of that Church branch can use them for free. Any Member who needs to use them, must ask at their local Church branch.
Dependants 14 - 24 Years R27 000
Dependants 6 - 13 Years R13 000
Dependants 1 - 5 Years R9 500
Dependants 0 - 12 Months R5 200
Dependants Stillborn R3 500

WHAT IS THIS?

  • As part of the Thari ya Baruti Pukwana ya Kganya Contract, a member will also get a personal accident and dread disease policy underwritten by Sanlam.
  • The personal accident and dread disease policy provides personal accident benefits for a member as policyholder and their nominated dependants where such persons become permanently disabled as a result of an accident. And additional personal accident benefit equal to 50% of the personal accident benefit amount will be paid in the event of the permanent disablement of the member as the policyholder.
  • Permanent Disability means:
    • the disability was caused by an accident.
    • the disability will be there for the rest of the person’s life and there is little or no chance of it healing.
    • the accident was not expected by the person.
    • you must be able to see the disability.
    • the disability must be permanent.
  • Terms and conditions apply.
Cover for Permanent Disability Member 14 - 24 Years 6 - 13 Years 1 - 5 Years 0 - 1 Year
Permanent loss of movement to both arms and legs (quadriplegic) R27 000 R27 000 R13 000 R9 500 R5 200
The loss of 2 or more limbs at or above the wrist or ankle R27 000 R27 000 R13 000 R9 500 R5 200
Permanent and total loss of speech R27 000 R27 000 R13 000 R9 500 R5 200
Permanent loss of hearing in both ears R27 000 R27 000 R13 000 R9 500 R5 200
Permanent and total loss of hearing in 1 ear R13 500 R13 500 R6 500 R4 750 R2 600
Some loss of hearing in 1 ear (50%) R6 750 R6 750 R3 250 R2 375 R1 300
Permanent blindness in both eyes R27 000 R27 000 R13 000 R9 500 R5 200
Permanent blindness in 1 eye R13 500 R13 500 R6 500 R4 750 R2 600
Some loss of sight in 1 eye (50%) R6 750 R6 750 R3 250 R2 375 R1 300
Loss or unable to use a limb at or above the wrist or ankle R27 000 R27 000 R13 000 R9 500 R5 200
Complete loss of 4 fingers on 1 hand R18 900 R18 900 R9 100 R6 650 R3 640
Complete loss of 3 fingers on 1 hand R10 800 R10 800 R5 200 R3 800 R2 080
Complete loss of 2 fingers on 1 hand R6 750 R6 750 R3 250 R2 375 R1 300
Complete loss of thumb R8 100 R8 100 R3 900 R2 850 R1 560
Partial loss of thumb R4 050 R4 050 R1 950 R1 425 R780
Complete loss of 4 toes on 1 foot R8 100 R8 100 R3 900 R2 850 R1 560
Complete loss of 1 toe R1 350 R1 350 R650 R475 R260

WHAT IS THIS?

  • As part of the Thari ya Baruti Pukwana ya Kganya Contract, a member will also get a personal accident and dread disease policy underwritten by Sanlam.
  • The personal accident and dread disease policy provides dread disease benefits when the member as policyholder suffers a dread disease.
  • A waiting period of 91 days apply.
  • A Dread Disease, subject to certain exclusions, is one of the diseases listed in the table below.
  • These diseases must be diagnosed by a Medical Specialist.
  • Terms and conditions apply.
Which Diseases Are Covered? What does this mean? Benefit Amount
Heart Attack This is when a part of the heart muscle dies because of too little blood supply to the heart. R27 000
Stroke This is when blood vessels are blocked or burst in the brain causing too little oxygen to get to certain parts of the brain. The damage from the stroke must last for more than 3 months. R27 000
Cancer This is when the person has a malignant tumour. These include lymphoma and sarcoma. R27 000
Coronary Artery (Bypass) Surgery This is when the person has heart surgery to fix a narrowing or blockage of 2 or more heart arteries. R27 000
Total Kidney Failure This is when both kidneys stop working. The disease is long-term and cannot be fixed. R27 000
Major Organ Transplant This is when a person receives a donor heart, liver, pancreas, bone marrow, kidney or lungs. R27 000
Blindess This is when a person has become permanently blind in both eyes because of a sickness or disease. R27 000
Coma This is when a person is unconscious because of a sickness and does not respond for at least 96 hours while on life support machines and there is permanent brain damage. R27 000
Multiple Sclerosis (MS) When a person has symptoms of demyelination (when the thin cover over the nerves is damaged) and their movements and senses like hearing, touch and seeing are affected. An MRI scan is used to help diagnose this disease. Symptoms must last longer than 6 months. R27 000

From 1 April 2023, and as part of the Thari ya Baruti Pukwana ya Kganya Contract, a member will also get a basic needs benefit policy underwritten by Sanlam.

This benefit includes the payment of monthly electronic grocery vouchers for a period of 6 months upon the death, disability, or illness of the member contracting a dread disease, and if it benefits in terms of the funeral policy, and/or if the highest claim value in terms of the personal accident and dread disease policy becomes payable. Depending on the preference of the member or beneficiary, these grocery vouchers may be redeemed at either Shoprite Checkers or Pick n Pay stores located nationwide.

The Basic Needs Benefit has two components:

  1. core benefit – if a funeral, personal accident or dread disease claim is approved in the amount of R27 000 or more, the member or beneficiary will receive monthly electronic grocery vouchers to the value of R330 for 6 months.
  2. loyalty benefit – over and above the core benefit, this benefit further rewards claimants for varying degrees of member loyalty. The loyalty benefit will depend on the member’s contribution payment history prior to the date of the incident and an additional amount of between R110 and R550 may also be paid each month for 6 months in the form of electronic grocery vouchers.

Terms and conditions apply.

As a member of KBFT, you can gain access to the following valuable non-insurance benefits: 

  • Funerary Management Services; 
  • Leeto la Moria Services; and
  • Roadside Assistance Benefits.

To assist members  and their dependants, KBFT has negotiated a Funerary Management Service with a service provider appointed by KBFT. 

SUCH SERVICES OFFERED INCLUDE:

  • The transfer of the deceased to a funeral home in South Africa (selected by the Member or beneficiary) closest to the place of burial, provided that the distance between the collection of the remains and the destination of such remains is greater than 100km (routes to be negotiated between the Policyholder or beneficiary and the Service Provider);
  • Assistance in obtaining documentation.
  • ZCC, via KBFT, introduced a programme whereby qualifying Members who want to travel to attend Moria Conferences (Easter, September, and December) are given a 50% discount on bus fare.
  • Bus tickets are available on a first-come, first-served basis.
  • To assist members, KBFT has negotiated Roadside Assistance Benefits with a service provider appointed by KBFT.
  • Roadside Assistance helps members travelling to Moria in their own car in the event of a roadside emergency (such as a flat tyre, keys locked in the car, fuel assistance etc).
  • This service is available during conference weekends from a week before the conference weekend until a week after the conference weekend.
  • Roadside Assistance is free subject to limits.
  • Terms and conditions apply.

SERVICES

  • Tow-in Service:
    • Towing your car to the nearest approved dealership (if the vehicle is under warranty) or to a repair centre or panel beater.
    • This service is for mechanical or electrical breakdown and accident damage.
    • A maximum amount of R3 000 (incl. VAT) per breakdown.
  • Roadside Emergency Service:
    • Flat battery (jump start).
    • Flat tyre (help with changing the tyre).
    • Keys locked in the vehicle (unlocking only).
    • Fuel Assistance (5L per breakdown).
    • Minor repairs at the roadside (for example, electrical, oil, immobiliser).
    • Sending urgent messages.
    • A maximum amount of R2 000 (incl. VAT) per breakdown

If a member requires Roadside Assistance during their journey to or back home from Moria for any of the 3 conferences each year, they may call the Kganya Helpline on 0800 000 538.

To assist the officials of the 20 member ZCC Church Branch Committees and ZCC Youth Committees (Officials) as well as permanent Moria workers the Trust has facilitated a Good Health Assessment Benefit at no cost to them through the following Service Providers:

      • Link Pharmacies
      • Select Clicks Pharmacy Clinics
      • Script Savers
      • Medicare
      • Pharmacy at Spar
      • The Local Choice Pharmacy
      • Alpha Pharm
      • Arrie Nel
      • We Care
      • Dischem
      • MediRite
      • Pick ‘n Pay Pharmacy
      • Van Heerden Pharmacy

If an Official or Moria worker requires assistance in locating a pharmacy in close proximity to them, they may call the Kganya Helpline on 0800 000 538.

HOW DO I CLAIM?

  • Phone the Kganya Helpline on 0800 000 538 between 08h00 and 16h30 weekdays for any queries.
  • Visit your local Church Branch Committee to get the relevant claim form. The claim form will differ depending on which Benefit is being claimed for. 
  • Visit a Kganya Service Centre or a selection of Sanlam Client Care Offices (you can find the Kganya addresses on the Contact Me page or all addresses in your Membership Terms and Conditions Booklet).
  • Read the Summary Regulations contained in your Membership Terms and Conditions Booklet as well as the requirements stated on the claim form.
  • For Roadside Assistance Services or Funerary Management Services please phone the Kganya Helpline on 0800 000 538.