Clientele Hospital Plan with cash back

Also known as the Clientele H.E.L.P (Health Event Life Plan), Clientele has a Hospital insurance product that offers cash back and great benefits for anyone who opts to go for their insurance plan. With cover starting at R285 per month, it is a great option for people who have chronic diseases and are constantly admitted to hospital.

One thing the Clientele H.E.L.P Plan is not is a Hospital Plan that pays for medical expenses. Neither is it any version of a medical aid scheme that you can rely on to pay for hospitalization or medical procedures. Hospital plans are also great for people who earn by the hour and any hospitalization will result in them going without their earnings. If you have a disease or illness that gets you constantly hospitalized then a hospital plan means you can pay for any gaps in your current comprehensive medical aid.

So what is the Clientèle H.E.L.P Plan? As Clientele states, this product is not a medical aid but is actually an insurance plan that pays you if you’re hospitalized for more than 3 days (72 hours). If you’re hospitalized for more than 3 days then it pays out according to your plan. It also has benefits. Whether this is a good plan is something you will have to decide as the reader.

Compare the Clientèle H.E.L.P Plan’s on offer:

Plan Premiums Max Daily Payout Max Annual Cover Includes
Accident Plus R 230 pm R 1,000 R 100,000 Payout if hospitalized for more than 2 days
Standard R 285 pm R 2,000 R 200,000 – Covers 4 children
Ultimate R 310 pm R2,000 R 200,000 – Premiums can be paid back to you or your family
Premium R 435 pm R 3,000 R 1,000,000 – Max R 500,000 death and disability benefit

Major benefits on offer
– 24 hour emergency helpline, nurses you can contact over the phone to assist with health queries or medical emergencies.
– Emergency flight and ambulance services.
– Trauma Counselling.
– HIV Support.
– Maternity benefits
– Cover for pre-existing conditions

Bonitas Hospital Plan

Bonitas is one of the most trusted and largest medical aid schemes in South Africa. They offer a great selection of medical health products to South Africans, and one of them is the Bonitas Hospital Plan.

Hospital plans are a great way for those who are unable to afford a comprehensive medical aid (or prefer just not to have one), and those without, to have some health coverage specifically for cases where an unfortunate event such as a medical emergency, an accident or illness, leads you to be hospitalized. Hospitals are very expensive, and even for the most rudimentary of stays, you would most likely pay thousands of rand. The benefits in some of the best hospital plans in South Africa work to ensure that you’re able to be taken care of by the best doctors and nurses and not have to worry about how you will be able to afford such hospital care.

The Bonitas Hospital Plan benefits:

  • Unlimited hospital cover
  • 100% Cover, unlimited amount, covered at 100% of the Bonitas Rate / Network doctors cover for General Practitioner/Specialist consultations
  • 100% Cover, unlimited amount, of blood test and x-rays, at Bonitas rates
  • R24 860 per family for MRIs and CT scans (specialized radiology), applicable for both in and out of hospital
  • 100% Cover, unlimited amount, of Paramedical/Allied medical professionals (such as physiotherapists, occupational therapists, dieticians, and biokineticists)
  • R42 100 per family (PMB only for external prostheses), for Internal and external prostheses
  • R30 680 per family for mental health hospitalization and consultations
  • R445 take-home medication per hospital stay
  • R47 250 per family for physiotherapy/physical rehabilitation
  • R15 760 per family for hospices and step-down facilities (alternatives to Hospitals)
  • Unlimited terminal care
  • R328 100 per family for cancer treatment
  • Organ transplants benefits are unlimited
  • Unlimited kidney dialysis treatment
  • Unlimited HIV/AIDS medication if registered on Bonita’s HIV/AIDS programme
  • One wellness screening (Blood pressure, glucose, cholesterol, body mass index and waist-to-hip ratio) per beneficiary

NB: The above benefits are for when you are admitted to a hospital unless otherwise stated that it is IN and Out of hospital. These are the stated benefits for 2018

Bonitas Hospital Plan Pricing for 2018

The monthly contribution towards your hospital plan, with dependents if so desired, for the year 2018:

  • Main Member: R 1 830
  • Per adult dependent: R 1 543
  • Per child dependent: R 696 (4th and subsequent child dependents are covered for free)

Contact details:

Hospiral Authorisations and Admissions
Tel 0860 002 108
Fax 0860 002 145

Call to get more information about this Hospital Plan
General Queries
Tel 0860 002 108

Or get to one of Bonita’s walk-in centers
Bonitas Bloemfontein
Bonitas Cape Town City Center
Bonitas Cape Town Belville
Bonitas Durban
Bonitas Johannesburg CBD
Bonitas Kathu
Bonitas Kimberley
Bonitas Klerksdorp
Bonitas Lephalale
Bonitas Nelspruit
Bonitas Polokwane
Bonitas Port Elizabeth
Bonitas Pretoria
Bonitas Roodepoort
Bonitas Rustenburg
Bonitas Secunda
Bonitas Vereeniging

AA car warranty from R199 per month

extended car warranty

The Automobile Association South Africa (the AA) has been on a campaign to turn around the ailing organization’s fortunes, with their current CEO Collins Khumalo working to extend the company’s product offerings and align the company with a new strategy. They have been losing big clients in the business they’re most well known for – road-side assistance – and are now concentrating on offering products related to the car industry.

With the addition of extended car warranty product, they are diligently increasing their products, which also include car insurance. The product is managed by Advantage Motor Protector (Lombard Insurance Company), who have been part of the car warranty scene for almost 2 decades.

What does the AA car warranty cover?

Like most vehicle warranty extender companies, they will cover the engine, gearbox, suspension, electronics, electricals, steering, and the different systems such as the cooling, fuel, transmission and ignition systems.

As with a typical extender, they cover new and second-hand vehicles. Your vehicle must have less than 250,000 km on the odometer and must be less than 12 years old.

The AA’s car warranty plans

Choose from

Cover Plan Option Benefit Limit
Chrome R 7 000.00
Bronze R 10 000.00
Silver R 20 000.00
Gold R 30 000.00
Platinum R 40 000.00
Titanium R 50 000.00

Get in contact with AASA for this warranty on 0861 000 234

Getting your FREE Clicks funeral insurance plan

funeral cover policies and plans

Clicks offer a free funeral plan to its Clicks Clubcard members, where 10 times your average spending gives you the free funeral cover. Although it is free, you will still need to register your Clubcard membership and activate your funeral plan with Clicks.

So, how does the Clicks Funeral Plan work, and what are their Benefits?

  • Spend an average of R50, and get R500 funeral cover
  • Spend an average of R250, and get R2 500 funeral cover
  • Spend an average of R750, and get R7 500 funeral cover

To qualify for this Funeral Insurance, you must:

  • be a South African resident
  • be between the ages of 18 and 65
  • be a Clicks Clubcard member
  • spend a qualifying average based on calculations over 26 weeks
  • you must activate the policy with Clicks before any claims can be made against the policy
  • select a beneficiary to be paid on the event of your death

Other important info on this policy

  • You will pay no premiums on this, and Clicks will pay the premium on your behalf, as long as you qualify you will be able to make a claim
  • The waiting period for natural death claim is 3 months
  • Activate your funeral cover by registering here, calling 0861 646 444, or sending an SMS to 43881
  • The qualifying average calculation is based on 26 weeks prior to the member’s death

Contact Clicks to activate this free service.

Standard Bank offers funeral plan from R40 pm

funeral cover

With Funeral Plans being a necessity to afford a good funeral for yourself or your immediate family, most financial services companies offer basic and inexpensive funeral plans for South African citizens.

Standard Bank offers funeral plans from as little as R40 per month premiums, for a funeral payout of R10 000. This makes it one of the lowest premiums for a funeral insurance in South Africa, with a 48 hours payment on a valid claim (certificate of death, relevant documents, and forms filled in correctly). The offer currently only is available to Standard Bank customers.

Standard Bank offers benefits similar to other insurers, they offer day-to-day, HIV and funeral benefits, as such they offer:

  • Access to emergency medical treatment and transport
  • Access to a comprehensive network of Doctors, Optometrists, and Dentists
  • Access to psychological counseling in the event of a death
  • Access to a 24-hour HIV/Aids Helpline
  • Help with post and pre HIV testing counseling and guidance
  • Medical assistance on accidental HIV exposure
  • Six months free cover following the death of the main policyholder
  • Assistance with burial arrangements
  • Trauma Counselling for the bereaved
  • Discounted rates from partner funeral parlours as well as from Netflorist and SA Florist
  • Medical coupons

So, what are the Standard Bank Funeral plans?

  • Premium: R40 pm; R10 000 cash payout, R3 000 Memorial benefit
  • Premium: R95 pm; R30 000 cash payout, R5 000 Memorial benefit
  • Premium: R130 pm; R50 000 cash payout, R5 000 Memorial benefit

Bataung Funeral Cover and Services, from R40 pm

bataung funeral services

Bataung Memorials is famous throughout South Africa for the unique and impressive tombstones they have made for celebrities in South Africa. They have wowed and awed people with tombstones for Vuyo Mbuli and other high profile celebrities who have passed on. It is a proudly black owned company, offering services from their Katlehong, East Rand head offices.

Bataung Financial Services offers Funeral Cover for its many clients, with its unique tombstones as one of its many benefits. They also offer Tombstone and plaque design, graveside dressing and repairs of tombstones and graveside care.

Bataung Funeral Cover plans include individual funeral plans from R40 per month premiums and family plans from R70 per month. Like other wells to do funeral insurance companies, they pay out within 48 hours of a valid claim.

A list of Funeral Cover Individual Plans

  • R40 per month premium: Total value of R7 500, R4 500 cash payout, R3 000 tombstone
  • R50 per month premium: Total value of R10 000, R6 000 cash payout, R4 000 tombstone
  • R70 per month premium: Total value of R15 000, R9 000 cash payout, R6 000 tombstone
  • R80 per month premium: Total value of R20 000, R10 000 cash payout, R10 000 tombstone
  • R120 per month premium: Total value of R30 000, R20 000 cash payout, R10 000 tombstone

Funeral Cover Family Plans

Bronze R7 500 Total Value

  • Premium: R70 per month
  • Main Member/Spouse: R4 500 cash pay out, R3 000 tombstone
  • Children 14-21: R4 500 cash pay out, R3 000 tombstone
  • Children 6-13: R3 750 cash payout
  • Children 1-5: R1 850
  • Children 0-1: R1 250

Silver R10 000 Total Value

  • Premium: R80 per month
  • Main Member/Spouse: R6 000 cash payout, R4 000 tombstone
  • Children 14-21: R6 000 cash payout, R4 000 tombstone
  • Children 6-13: R3 000 cash payout, R2 000 tombstone
  • Children 1-5: R2 500
  • Children 0-1: R1 500

Gold R15 000 Total Value

  • Premium: R80 per month
  • Main Member/Spouse: R6 000 cash payout, R4 000 tombstone
  • Children 14-21: R6 000 cash payout, R4 000 tombstone
  • Children 6-13: R3 000 cash payout, R2 000 tombstone
  • Children 1-5: R2 500
  • Children 0-1: R1 500

Platinum R20 000 Total Value

  • Premium: R100 per month
  • Main Member/Spouse: R10 000 cash payout, R10 000 tombstone
  • Children 14-21: R8 000 cash payout, R4 000 tombstone
  • Children 6-13: R4 000 cash payout, R2 000 tombstone
  • Children 1-5: R3 000
  • Children 0-1: R1 500

Diamond R30 000 Total Value

  • Premium: R150 per month
  • Main Member/Spouse: R20 000 cash payout, R10 000 tombstone
  • Children 14-21: R10 000 cash payout, R5 000 tombstone
  • Children 6-13: R5 000 cash payout, R2 500 tombstone
  • Children 1-5: R3 000
  • Children 0-1: R1 250

More information

  • There is a waiting period of 6 months
  • They have made some very famous and talked about tombstones for prominent people in South Africa:
    • Nelson Mandela
    • Dr. Leabua Jonathan
    • Solomon “Stix” Morewa
    • Emmanuel “Scara” Ngobese
    • John “Shoes” Moshoeu
    • Leonard “Wagga Wagga” Likoebe
    • Jacob “Baby Jake” Matlala
    • Gugulethu “Gugu” Zulu
    • Dolly Rathebe
    • Lindiwe Chibi
    • Mduduzi “Mandoza” Tshabalala
    • Nkululeko “Flabba” Habedi
    • Jabu Khanyile
    • Vuyo Mokoena
    • Vuyo Mbuli
    • Simba Mhere
bataung funeral cover and services
bataung funeral cover and services (image:

Shoprite Funeral Cover from R29.99 pm

funeral cover policies and plans

Shoprite, one of the biggest supermarkets in South Africa, also offers financial services through their Shoprite Money Market in-store service. Included in these services is a funeral cover. Through their foot-step in all big and small towns, this is essential and easy for people who live in rural and small towns and aren’t able to access cheap funeral cover services as easily.

The Shoprite Funeral Cover currently starts from a low fixed monthly premium of R29.99 per month, for a maximum R10 000 payout for the main member. These premiums can be paid in through a debit order, Shoprite till, or their in-store money market counter.

Shoprite Funeral Cover benefits

  • family cover: for your spouse, and up to 6 children
  • stillborn cover
  • cash payout
  • accidental death cover
  • no medical tests required
  • cash payout to the beneficiary in under 48 hours after a valid claim

The Shoprite funeral plans include:

Shoprite Funeral Plan 1:

  • Premium: R29.99 per month
  • payout per insured person:
    • Main Member: R10 000
    • Spouse: R10 000
    • Children aged 14-21: R5 000
    • Children aged 6-13: R2 500
    • Children aged 0 -5: R1 250
    • Stillborn: R1 250

Shoprite Funeral Plan 2:

  • Premium: R56.99 per month
  • payout per insured person:
    • Main Member: R20 000
    • Spouse: R20 000
    • Children aged 14-21: R10 000
    • Children aged 6-13: R5 000
    • Children aged 0 -5: R2 500
    • Stillborn: R2 500

Shoprite Funeral Plan 3:

  • Premium: R79.99 per month
  • payout per insured person:
    • Main Member: R30 000
    • Spouse: R30 000
    • Children aged 14-21: R15 000
    • Children aged 6-13: R7 500
    • Children aged 0 -5: R3 750
    • Stillborn: R3 750

More information:

  • Your parents or in-laws may not be covered under this funeral policy
  • The maximum age to be accepted to their policy is 65 years
  • When you, the main member die the policy will lapse for all beneficiaries
  • Throughout the policy, if you happen to miss a premium, you may catch up (payment within 30 days) and pay the premium without it lapsing
  • The policy starts as soon as the first premium is paid
  • This policy is restricted to South African citizens only

You can apply online, on your phone by dialing *120*1049# or calling their call centre.

Assupol Funeral Cover

funeral cover

Assupol was originally a funeral scheme for the police and other government employees but grew to include ordinary South Africans who were looking for a funeral plan for their family. Assupol has also grown in recent years with a new marketing campaign, giving it more exposure and growth.

Assupol Funeral Covers include the Absolute Advantage Family Funeral Plan and Excellence Family Funeral Plan.

Assupol Excellence Family Funeral Plan

This is the Assupol basis funeral plan, where currently you can pay premiums as low as R70 per month. Main benefits include:

  • maximum payout of R75 000;
  • cover for children
  • stillborn and baby cover (babies up to 3 months)

Absolute Advantage Family Funeral Plan

This Assupol Funeral Plan, you may choose a single benefit or family benefit. You may also get up to R75 000

Assupol Funeral Plan benefits

Other benefits, which may cause EXTRA premiums to be paid, include:

  • Family income benefit
  • Memorial benefit
  • Double pay-out on accidental death
  • Guaranteed cash back, paid out every four years even if you claim
  • Premium Waiver, where if you the main member dies, benefits will still be given to other members
  • Premium Waiver – retrenchment

Liberty Life, Death, Critical Illness, Disability cover

Liberty Life Group offers a range of products to individuals and corporate clients, which include Death, Critical Illness and Disability.

Founded in 1957, it has been in the life assurance and financial services game for a long time.
As with most insurance policies, there are requirements, depending on the cover, if you’re a South African citizen between 18 and 60 years of age with a valid South African ID and a bank account you may apply.

Accident Plan

The Liberty Accident Plan pays out in the unfortunate event that the member dies an accidental death or is permanently disabled as a result of an accident. The funds can be paid out within 48 hours of a valid claim being lodged.

It’s available for qualifying individuals from R110 per month.

Critical Illness Cover

Illness befalls any person, and at times without warning. Business people and professionals who are required to be at work to earn a living will mostly need this as it would act as a warranty to earnings security. The Liberty Critical Illness Cover pays out a lump sum of up to R 1 million, from R 190 per month (risk profile dependent).

Qualifying requirements include:

  • An HIV test
  • Health test (Not a full medical)

Major Critical Illness Liberty covers include:

  • Heart attack
  • Stroke
  • Cancer
  • Open heart surgery

Disability Cover

The Liberty Disability cover for individuals under the Liberty Lifestyle Protector pays out a lump sum in case of a disability or injury that renders you unable to perform your work. The claim is paid out according to a benefit schedule, where your chosen benefit category will apply.


Old Mutual Funeral Cover

old mutual funeral cover plans

Old Mutual is a trusted financial services brand in South Africa, having been in the country since we could all remember. It has provided well thought out services that are trusted by many South Africans to bring them the best quality services.

Old Mutual Funeral Cover is one of those services that are trusted by South Africans to give the confidence in a great funeral cover policy.

Old Mutual Funeral Cover Options

Old Mutual has a few funeral plans, and they include the Care Plan, Standard Plan, and Comprehensive+ Plan. The plans payout from R50 000, and up to R70 000. The main Benefits of the plans include:

  • Accidental Death Cover, which starts immediately upon application to the funeral plan
  • Money Back Guarantee, if death occurs within 6 months of the cover is taken out
  • Premium Holiday, six premiums can be missed over the life of the premium without losing the cover
  • Restart Benefit, an option to start your plan if it lapses

Other benefits under the Standard and Comprehensive+ Plan include a cashback, grocery benefit, education benefit, and terminal illness benefit.

Another great Funeral Cover Plan from Old Mutual is the Green Light Final Expenses cover. It can cover the policyholder, their spouse, and extended family members. The benefits of this cover include payment of a lump sum on a valid claim. Cover for the policyholder starts from R50 000 to R100 000.

old mutual funeral cover plans
old mutual funeral cover plans