BUILDING / CONTENTS / THEFT / ACCIDENTAL DEATH / PERMANENT DISABILITY R80 ONLY EACH MONTH Z ION C HRISTIAN C HURCH Sedi la Kganya Kganya Insurance Administrators (Pty) Ltd (RF) is an authorised financial services provider FSP 7974. Sedi la Kganya is underwritten by Centriq Insurance Company Limited 0800 000 538 08:00-16:00 Monday to Friday English www.mykganya.com Sept 2017 - V4
Message by His Grace the Right Reverend Bishop Dr BE Lekganyane As an active Trustee and Director of Kganya Benefits Fund Trust and the Kganya Group of Companies, I remain keenly interested in their activities as a major service organisation to Zion Christian Church. The Kganya Group celebrated its 28th anniversary in March of 2017. Zion Christian Church has celebrated over 100 years of existence and this is indeed a remarkable era for both organisations. I have come to the realisation that much has been achieved from very humble beginnings and both the Kganya Group and Church Officials must be commended for the manner in which they continue to be of service to you the individual member and loyal follower of Zion Christian Church. I exhort the Kganya Group to continue to execute its mandate for the benefit of the congregation. I also urge you, as the ZCC member, to continue proving your loyalty and to freely make use of the many real benefits that the Kganya Group has to offer you. These are benefits that make a positive difference in the life of each member and as the Leader of the Church I remain comfortable that Church Leadership is doing everything in its power to ensure that members of the Church do not suffer unnecessarily. Under my direction the Kganya Group will continue to develop products and projects that are of benefit to members of the Church. These products must at all times reflect the unity that we feel as members of the Church. They must always be dignified and must serve a real purpose in ensuring the prosperity of our members. I will always have the final say on what product I would deem suitable to the membership of the Church. Under my direction Kganya will continue to serve members of the Church. This organisation has been developed by Church Leadership for the benefit of membership of the Church. It is therefore of the Church for the Church and will always be in the service of the Church. The employees of Kganya are fully aware of the role that they fulfil on my behalf and as such you can expect to be respectfully dealt with at all times. I would also urge you to deal with our employees respectfully at all times. Kgotso a e ebe le lena His Grace the Right Reverend Bishop Dr BE Lekganyane
BUILDING / CONTENTS / THEFT / ACCIDENTAL DEATH / PERMANENT DISABILITY Insurance for your House (Damage and theft) You must be a Kganya member Insurance for your built Shack (Mokhukhu) (Damage and theft) Z ION C HRISTIAN C HURCH POLICY WORDING Sedi Kganya la Home Insurance Plan Accidental Death cover Bophelo bja gago, legae la gago, tšhireletšo ya gago Permanent Disability cover Sedi la Kganya is: Insurance that covers a brick house and a Mokhukhu. It is insurance that also covers the things you own in your house. We also give you accidental death and permanent disability cover. Read this pamphlet to see how Sedi la Kganya keeps your house and belongings safe! There is no waiting period. Cover is in place once first premium is paid. 0800 000 538 08:00-16:00 Monday to Friday www.mykganya.com
BUILDING / CONTENTS / THEFT / ACCIDENTAL DEATH / PERMANENT DISABILITY Z ION C HRISTIAN C HURCH POLICY WORDING Sedi Kganya la Home Insurance Plan Bophelo bja gago, legae la gago, tšhireletšo ya gago Who can apply for this insurance? Members of ZCC. Insurance for your House What is this? Insurance that covers a brick house of a policyholder. Insurance that covers the things you own in your house. Kganya even pays R300 for your travelling costs when you get quotations and when you travel to your church to hand in your claim, if your claim is accepted. This insurance has a very low excess amount. So for example, if you claim R 5 000 and your claim is accepted, you will receive R 5 000 less your excess of R 100 plus your travelling costs of R 300. Example R 5 000 - R 100 + R 300 R 5 200 your claim excess money for transport money paid to you Insurance for your built Shack What is this? Insurance that covers the built shack (Mokhukhu) of a policyholder. Insurance that covers the things you own in your shack. Kganya even pays your travelling costs when you get quotations and when you travel to your church to hand in your claim, if your claim is accepted. This insurance has a very low excess amount. So for example, if you claim R 10 000 and your claim is accepted, you will receive R 10 000 less your excess of R 100 plus your travelling costs of R 300. Example R 10 000 - R 100 + R 300 R 10 200 your claim excess money for transport money paid to you 2
Maximum Cover for damage Maximum Cover for theft Accidental Death Maximum Cover for transport EXCESS ONLY R80 EACH MONTH BONUS Sedi la Kganya R 45 000 for the brick structure. AND R 45 000 for what you own inside your house. R 10 000 R 300 travelling costs paid to you. R 100 Excess R 180 no-claim bonus. This is a reward paid to you for looking after your property and not claiming for 2 years. Sedi la Kganya protects you from: Fire Storm Wind Hail Lightning Only two theft claims per year This is paid to you when your claim is accepted 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. You must have paid your insurance for 2 years, without skipping a payment. R 180 will be paid into your bank account, when you have completed a no-claim bonus form. Earthquake Maximum Cover for damage Maximum Cover for theft Maximum Cover for transport EXCESS BONUS R 25 000 for the shack. AND R 25 000 for what you own inside your shack. R 6 000 R 300 travelling costs paid to you. R 100 Excess R 180 no-claim bonus. This is a reward paid to you for looking after your property and not claiming for 2 years. Sedi la Kganya protects you from: Fire Storm Wind Hail Lightning Only two theft claims per year This is paid to you when your claim is accepted 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. You must have paid your insurance for 2 years, without skipping a payment. R 180 will be paid into your bank account, when you have completed a no-claim bonus form. Earthquake 3
BUILDING / CONTENTS / THEFT / ACCIDENTAL DEATH / PERMANENT DISABILITY Z ION C HRISTIAN C HURCH POLICY WORDING Sedi Kganya la Home Insurance Plan Bophelo bja gago, legae la gago, tšhireletšo ya gago Who can apply for this insurance? Members of ZCC. Accidental Death What is this? cover A policyholder can cover themselves and the lives of up to 5 persons living in their home. Your Sedi la Kganya premiums must be fully paid. Permanent Disability cover What does Accidental Death mean: The accident must not be expected by the person The injury must be visible/seen The injury must cause the death of the person noted on the policy schedule. 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. What is this? A policyholder can cover themselves and the lives of up to 5 persons living in their home. Your Sedi la Kganya premiums must be fully paid. What does Permanent Disability mean: 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. 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. 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. Any temporary injury which has a chance of healing. 4
Cover for Accidental Death... Accidental Death ONLY R80 EACH MONTH How much will you receive? Sedi la Kganya The Policyholder R 12 000 A person 14 years or older R 12 000 A person between 6 and 13 years old R 4 800 A person between 1 and 5 years old R 2 400 A baby before their first birthday R 1 200 Cover for Permanent Disability... Permanent loss of movement to both arms and legs (quadriplegic) The loss of 2 or more limbs at or above the wrist or ankle Policyholder 14 yrs & older Between 6 & 13 yrs Between 1 & 5 yrs Birth to 1st birthday R 12 000 R 12 000 R 4 800 R 2 400 R 1 200 R 12 000 R 12 000 R 4 800 R 2 400 R 1 200 Permanent and total loss of speech R 12 000 R 12 000 R 4 800 R 2 400 R 1 200 Permanent loss of hearing in both ears R 12 000 R 12 000 R 4 800 R 2 400 R 1 200 Permanent and total loss of hearing in 1 ear R 6 000 R 6 000 R 2 400 R 1 200 R 600 Some loss of hearing in 1 ear (50%) R 3 000 R 3 000 R 1 200 R 720 R 600 Permanent blindness in both eyes R 12 000 R 12 000 R 4 800 R 2 400 R 1 200 Permanent blindness in 1 eye R 6 000 R 6 000 R 2 400 R 1 200 R 600 Some loss of sight in 1 eye (50%) R 3 000 R 3 000 R 1 200 R 720 R 600 Loss or unable to use a limb at or above the wrist or ankle R 12 000 R 12 000 R 4 800 R 2 400 R 1 200 Complete loss of 4 fingers on 1 hand R 8 400 R 8 400 R 3 360 R 1 680 R 840 Complete loss of 3 fingers on 1 hand R 4 800 R 4 800 R 1 920 R 960 R 600 Complete loss of 2 fingers on 1 hand R 2 400 R 2 400 R 960 R 720 R 600 Complete loss of thumb R 3 600 R 3 600 R 1 440 R 720 R 600 Partial loss of thumb R 1 800 R 1 800 R 960 R 720 R 600 Complete loss of 4 toes on 1 foot R 3 600 R 3 600 R 1 440 R 720 R 600 Complete loss of 1 toe R 1 200 R 1 200 R 960 R 720 R 600 5
BUILDING / CONTENTS / THEFT / ACCIDENTAL DEATH / PERMANENT DISABILITY Z ION C HRISTIAN C HURCH POLICY WORDING Sedi Kganya la Home Insurance Plan Bophelo bja gago, legae la gago, tšhireletšo ya gago Who can apply for this insurance? Members of ZCC. How do I Apply? How do I apply for Sedi la Kganya? You must be in good standing with your Church before you can join Sedi la Kganya. Speak to your Committee Member at your church. He may only give you information. He cannot advise you to take the policy or not. You pay your Sedi La Kganya premium to stay protected by us. You pay this premium at your Church branch every month to stay insured. You must make certain that the Official at your Church sticks a receipt into your premium payment book for R80.00, when you have paid. How to claim 1. Phone Kganya Insurance Administrators (Pty) Ltd (RF) at 0800 000 538 between 08:00 and 16:00 Mondays to Fridays and tell them what happened. They will advise you on how to deal with your claim. 2. Visit your Church committee and get a claim form. They will help you complete the document. Do not leave any papers for your claim with the Church. It is your responsibility to post everything to Kganya Insurance Administrators (Pty) Ltd (RF) or submit claims to your nearest Kganya Service Centre. 3. In the case of permanent disability or death you must get written proof of the injury or death from a hospital or doctor. 4. If there is lightning damage get a report from a repairer that describes the cause of damage and what repairs will cost. 5. Get quotes to replace the lost or damaged goods. Post all the documents and photographs of your damage to: Policyholder Services Kganya Administrators (Pty) Ltd (RF) P O Box 394 RIVONIA, 2128 or email to claimsps@kganya.co.za 6
Physical Address Postal Address Telephone & Fax Number Polokwane 26 General Joubert Street, Polokwane 0699 Pretoria 1249 Francis Baard Street, Hatfield 0083 Johannesburg 1st Floor, 357 Rivonia Boulevard Rivonia, 2128 Rustenburg Office No. 1, Five EFS Building Cnr Berg & Oliver Tambo Street Rustenburg, 0299 Thohoyandou Office No. 2, Ndou Mall Cnr Tshanduka & Thulamela Street Thohoyandou, 0950 Nelspruit 509 Kamkholo Building, 5th Floor Cnr Brown & Voortrekker Street Nelspruit, 1200 Private Bag X9542 Polokwane, 0700 P O Box 11929 Hatfield, 0028 P O Box 2876 Rivonia, 2128 P O Box 7145 Rustenburg, 0300 P O Box 218 Thohoyandou, 0950 P O Box 16386 Nelspruit, 1200 Tzaneen 19 Danie Joubert Street, Tzaneen, 0850 P O Box 3494 Tzaneen, 0850 Burgersfort Office No 1, 1st Floor Maphutha Ditshaba Building Cnr Eddie and Church Street Burgersfort, 1150 Welkom 1st Floor, ABK Centre, Heeren Street Welkom, 9460 P O Box 3079 Burgersfort, 1150 P O Box 795 Welkom, 9460 ( 015-291 5182 Fax 015-291 3005 ( 010-350 0500 Fax 087-233 0003 ( 011-234 3448 Fax 011-234 3408 ( 014-592 0505 Fax 014-592 0226 ( 015-962 5456 Fax 015-962 6076 ( 013-753 2195 Fax 013-752 8205 ( 015-307 6887 Fax 015-307 3499 ( 013-231 7650 Fax 013-231 8640 ( 057-357 1056 Fax 057-357 1057 Kganya Service Centres Vryburg Office No. 3, Wie-Cla Centre Cnr Market & Molopo Street Vryburg, 8600 Giyani Shop No. 28, Masingita Plaza Cnr Malamulele & Main Rds, Giyani, 0826 P O Box 769 Vryburg, 8600 P O Box 4275 Giyani, 0826 ( 053-927 3229 Fax 053-927 3524 ( 015-812 0673 Fax 015-812 0674 Mokopane Office No. 16 & 17, 42 Retief Street Mokopane, 0601 P O Box 502 Mokopane, 0600 ( 015-491 7651 Fax 015-491 7079 Groblersdal 7 Kruger Street, Ext 2, Groblersdal 0470 P O Box 1438 Groblersdal, 0470 ( 013-262 3013 Fax 013-262 5054 Klerksdorp Room 311A, Danfor Medical Centre Jersich Street No. 1, Klerksdorp, 2571 P O Box 14362 Flamwood Walk, 2535 ( 018-462 6009 Fax 018-462 6108 Mthatha Office No 8, LCM Ludidi Building 63 Madeira Street, Mthatha, 5099 P O Box 562 Mthatha, 5099 ( 047-531 0039 Fax 047-531 0039 Bushbuck Ridge Bushbuckridge Shopping Centre Office No. 6A Cnr Main Bushbuckridge & Graskop Roads, Bushbuckridge, 1280 Louis Trichardt Office No 10, Game Centre, CNR President & Songozwi Str, Makhado,0920 Go to www.mykganya.com ( 013-799 0005 Fax 013-799 0006 ( 071 672 2396
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www.mykganya.com Tel: 0800 000 538 His Grace The Right Reverend Bishop Dr BE Lekganyane Headquarters: Zion City Moria. P O Box 1, Boyne, 0728 Kganya Insurance Administrators (Pty) Ltd (RF). P.O Box 394, Rivonia, 2128 BUILDING / CONTENTS / THEFT / ACCIDENTAL DEATH / PERMANENT DISABILITY