Who can be covered under a FinChoice Accident policy?
You, the main member, as long as you're a South African permanent resident. You can apply if you're over 18 but not yet 65 years old. You'll stay covered right up until you turn 75, when the policy and its benefits come to an end.

Are there waiting periods?
No, there is no waiting period. Because this is accidental cover, you're protected from your start date for both accidental death and accidental disability. Your cover begins on your start date – either the day your application is captured on the FinChoice platform, or the day we receive your first premium, whichever comes first. Please note that an injury caused by a condition you were already diagnosed with, or being treated for, before your cover started will not be covered.

Can I increase or decrease my cover amount?
Yes, just contact our friendly consultants and they'll be able to help you review your cover and premium. Any change will be confirmed to you in writing, and your premium stays the same for the first 12 months from your start date.

What added benefits are included in the policy?

• Value added cash payout: You will receive an additional R2,000 cash payout on top of your benefit, at no additional cost to you. This benefit is paid to your nominated beneficiary on a valid accidental death claim, or to you on a valid accidental disability claim, to help during your time of need.
• Permanent disability benefit: If an accident leaves you permanently disabled during the period of insurance, you will receive a payout equal to your full benefit amount. No medical examination is needed when yoau take out cover, and valid claims are paid within 2 working days once we've received all the documents we need.

What is a beneficiary?
A beneficiary is the person, or persons, who will receive the benefit from the policy if you pass away as a result of an accident. You can change your beneficiary details at any time by submitting the information in writing to Guardrisk Life Limited. If you pass away, your nominated beneficiary will receive the benefit. If you haven't nominated one, the benefit will be paid to your estate.