Frequently Asked Questions

  • Insurance > TFG Critical Care and TFG Critical Care Family
    • Q: Will I be covered if I go to any hospital?
      A:

      You will be covered if you (or your spouse or child/children if you have selected the spouse or family option) are admitted to hospital in the Southern African Customs Union, for a period of more than 48 hours. The Southern African Customs Union includes South Africa, Botswana, Lesotho, Swaziland and Namibia. Please read the definition of "hospital" in the Policy and Disclosure Notice for more details and exclusions.

    • Q: Are there any waiting periods which apply to TFG Critical Care/TFG Critical Care Family?
      A:

      Yes, for both products there is a waiting period of 3 months for the Income Protector benefit (when hospitalised) and the Critical Illness benefit. This means that the admission to hospital and/or first diagnosis of the critical illness must originate after the waiting period has ended. There is no waiting period for the Accidental Death benefit.

    • Q: Is there a limit as to how much I can claim under these products?
      A:

      Yes. If you are hospitalised you can claim R396 per day (from day 1) for a maximum of 30 days (or 100 days for the family option for all persons insured under the policy combined) per twelve (12) consecutive calendar months. Admission to hospital must be for more than 48 hours to qualify for this benefit. The Accidental Death benefit is R13 225 and the Critical Illness benefit is R6 615, for you and your spouse (if the spouse option is selected). Under the TFG Critical Care family option, the Accidental Death benefit for you and your spouse is R13 225 and for your child/children is R6 615, and the Critical Illness benefit for you and your spouse is R6 615 and R3 250 for your child/children.

    • Q: Who do I phone when I want to claim?
      A:

      Please contact TFG’s Insurance Claims Department on 0860 000 388, which is a sharecall number.

    • Q: When am I no longer covered by my policy?
      A:

      It is important that you know that the policy will end when:

      • - the instalments that are due on your TFG account are unpaid i.e. your TFG credit facility is in arrears;
      • - your TFG credit facility is terminated or closed;
      • - your TFG credit facility is frozen as provided for under the National Credit Act 34 of 2005;
      • - the Accidental Death benefit becomes payable in the event of your accidental death;
      • - TFG ceases to participate in the policy;
      • - the policy terminates;
      • - you die; or
      • - you reach the maximum age of 65 (sixty five), whichever of the aforementioned events first occur.


      Where the spouse/family option has been selected and where the spouse reaches sixty five (65) years of age, cover in respect of the spouse only shall lapse and/or where the child/children reaches twenty one (21) years of age, cover shall lapse in respect of the child/children only. Cover for you will not lapse until you reach the age of sixty-five (65) years or until any of the other events as above occur.

      Terms and conditions apply.
      Foschini Retail Group (Pty) Ltd is an authorised financial services provider. Insurance is underwritten by Guardrisk Insurance Company Limited, an authorised financial services provider.