Z C Pukwana ya Kganya · English Pukwana ya Kganya ZION CHRISTIAN CHURCH Kganya Insurance...

www.mykganya.comTel: 0800 000 538

His Grace The Right Reverend Bishop Dr BE LekganyaneHeadquarters: Zion City Moria. P O Box 1, Boyne, 0728

Kganya Insurance Administrators (Pty) Ltd (RF).P.O Box 394, Rivonia, 2128

NATURAL DEATH

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0800 KGANYA (542692)0800 000 53808:00 - 16:30

www.mykganya.com

English

Pukwanaya Kganya

Z ION C HRISTIAN C HURCH

Kganya Insurance Administrators (Pty) Ltd (RF) is an authorised financial services provider FSP 7974.Underwritten by Sanlam Developing Markets Limited and Centriq Insurance Company Limited

EACH MONTH

ONLY

R75

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 ReverendBishop Dr BE Lekganyane

His Grace the Right Reverend Bishop Dr BE Lekganyane started the Kganya Benefits Fund Trust in 1989, to protect his congregation against tough financial times when a family member passes away. His Grace the Bishop wants every member to be treated fairly, equally and professionally at all times.

My Kganya

How is my contribution helping my community? Kganya helps me to uplift my

community. Kganya uses some of our monthly payments for these things:

Basic Skills Training This is offered to selected members of Kganya – for free. These include skills like baking, sewing, building, welding and plumbing. So far approximately 9500 members have benefitted from this training.

Business Centre at Moria Church members can do ATM banking when they attend Moria. All admin problems or questions can be addressed 24-hours a day at the business centre, during conference times, when members are visiting Moria.

Winter Enrichment School for learners This school is for grade 10 - 12 learners during the winter holidays. You need to apply for this benefit and it is offered on a first-come-first-served basis.

Clinic at Moria This is the only clinic in the area and helps people from Moria and Boyne areas. approximately 6 000 people use the clinic every month. An AIDS Outreach programme also runs from here and feeds people.

• I can pay my contribution at the Church. Kganya is available at 1300 ZCC Churches in South Africa and neighbouring countries.

• I receive an excellent service for a fair price of R75 which includes my contribution to the ZCC.

• Kganya pays 95% of members’ claims at their 16 service centres in South Africa.

• About 680 000 members are serviced by Kganya every month.

• Up to 1000 claims are paid out every month.

• I receive cover for Burial, Permanent Disability and Dread Disease.

• My journey to Moria is made safer with free benefits like roadside assistance and tow-in services.

• For only R5 per year, I can get 50% discount on my bus tickets to Moria and back AND 1 free meal at each of the conferences in April, September and December, first-come-first-served.

How does Pukwana ya Kganya help me? READ

this book to learn more about all the

wonderful benefits and projects which you and

Kganya have made possible. Go to www.mykganya.co.za

Kganya gives me peace of mind.

0800 KGANYA (542692)0800 000 53808:00 - 16:30www.mykganya.com

Who can apply?Members of the ZCC.

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Burialcover

• Pukwana ya Kganya will cover a member anD nominated children, who pass away by accident or natural causes.

• After becoming a Member, there is a 3 month waiting period before death by natural causes is covered.

• In the event of a death, the Burial Cover takes away the worries about money during such a difficult time.

• The Burial Cover makes sure that the Member anD nominated children can have a dignified funeral when they pass on from this world.

• All children nominated in the Membership Book, under 25 years old, will be covered if the Member dies.

What is this?

• This Permanent Disability Cover is for the Member AND nominated children in the Membership Book.

• Permanent Disability means…

• the injury was caused by an accident.

• the injury 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 injury.

• the disability must be permanent.

What is this? Permanent Disabilitycover

Burial Cover

Perm

anent

Disability Cover

Drea

d Disease Cover L

eeto la Moria

Roadsid

e Assist Thari ya Baruti

Puk

wa

na

Ya kG

an

Ya

3

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EACH MONTH

ONLY

R75

Remains Removal Benefit• The Burial Cover allows for the remains of a loved

one, who passed away far from home, to be moved back to his/her home.

• This service is done by Lets Management Services and is free in South Africa. This is a 24-hour service.

Cover against Permanent Disability... Member 14 yrs & older

Between 6 - 13 yrs

Between 1 - 5 yrs

Birth to 1st birthday

Permanent loss of movement to both arms and legs (quadriplegic)

R 23 000 R 23 000 R 11 000 R 8 000 R 4 500

The loss of 2 or more limbs at or above the wrist or ankle

R 23 000 R 23 000 R 11 000 R 8 000 R 4 500

Permanent and total loss of speech R 23 000 R 23 000 R 11 000 R 8 000 R 4 500

Permanent and total loss of hearing in both ears R 23 000 R 23 000 R 11 000 R 8 000 R 4 500

Permanent and total loss of hearing in 1 ear R 11 500 R 11 500 R 5 500 R 4 000 R 2 250

Some loss of hearing in 1 ear (50%) R 5 750 R 5 750 R 2 750 R 2 000 R 1 125

Permanent blindness in both eyes R 23 000 R 23 000 R 11 000 R 8 000 R 4 500

Permanent blindness in 1 eye R 11 500 R 11 500 R 5 500 R 4 000 R 2 250

Some loss of sight in 1 eye (50%) R 5 750 R 5 750 R 2 750 R 2 000 R 1 125

Loss or unable to use a limb at or above the wrist or ankle

R 23 000 R 23 000 R 11 000 R 8 000 R 4 500

Complete loss of 4 fingers on 1 hand R 16 100 R 16 100 R 7 700 R 5 600 R 3 150



Complete loss of thumb R 6 900 R 6 900 R 3 300 R 2 400 R 1 350

Partial loss of thumb R 3 450 R 3 450 R 1 650 R 1 200 R 675

Complete loss of 4 toes on 1 foot R 6 900 R 6 900 R 3 300 R 2 400 R 1 350

Complete loss of a toe on any foot R 1 150 R 1 150 R 550 R 400 R 225

What to do: A surviving family member calls (0800 KGANYA (542692) ( 0800 000 538 to arrange for the remains to be moved from one area to another.

Who is covered How much will you receive?

Remember...

The Member • R23 000 • All monthly payments must be shown in your Membership Book.

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

• Certain Churches have been supplied with funeral trailers and tents. The congregation of that Church can use them for free. Any member who needs to use them, must ask at their local Church.

Dependents

• 14 – 24 years old • R23 000

• 6 – 13 years old • R11 000

• 1 – 5 years old • R8 000

• Less than 1 year • R4 500

• Stillborn • R3 000


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• This is cover for the Member only.

• A person will only be paid one benefit amount of R23 000 in his/her lifetime.

• The conditions are a summary from the Kganya ‘Dread Disease Regulations’ which has very important extra information about these medical diseases.

• You MUST read the summary of the Regulations in your membership book very carefully!

• If there is something that you do not understand, phone the Kganya Helpline (0800 KGANYA (542692) (0800 000 538.

• These diseases must be diagnosed by a Medical Specialist.

• Keep all your medical records in a safe place.

What is this?

• Claims must be made by a Member.

• Your claim must include the following:

• a DDC (Dread Disease Claim) form signed by the Church Committee of the church;

• the Medical Report;

• the original Identity Document of the Member;

• the Membership Book; and

• any other documents which would be needed for the claim.

• Contact the toll-free Kganya Helpline on (0800 KGANYA (542692) (0800 000 538 for the contact number and address of the nearest Kganya Service Centre where your claim must be handed in.

• A claim must be made within 12 months from when the disease was diagnosed by a Medical Specialist.

• The Dread Disease claim will not be paid if the person dies before the claim is handed in.

• Your Kganya contribution must be paid in full for the 3 months, directly before the Dread Disease was diagnosed by the Medical Specialist.

How to claim

Dread Disease

cover

Burial Cover

Perm

anent

Disability Cover

Drea

d Disease Cover L

eeto la Moria

Roadsid


Puk

wa

na

Ya kG

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Ya

5

Remains Remova

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EACH MONTH

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R75

What is covered? What does this mean?How much will you receive?

Heart Attack This is when a part of the heart muscle dies because of too little blood supply to the heart.

R 23 000

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.

R 23 000

Cancer This is when the person has a cancer tumour or their cells are growing out of control. These include lymphoma and sarcoma.

R 23 000

Coronary Artery (Bypass) Surgery

This is when the person has heart surgery to fix a narrowing or blockage of 2 or more heart arteries.

R 23 000

Total Kidney Failure This is when both kidneys stop working. The disease is long-term and cannot be fixed.

R 23 000

Major Organ Transplant

This is when a person receives a donor heart, liver, pancreas, bone marrow, kidney or lungs.

R 23 000

Blindness This is when a person has become permanently blind in both eyes because of a sickness or disease.

R 23 000

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.

R 23 000

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, seeing are affected. An MRI scan is used to help diagnose this disease. Symptoms must last longer than 6 months.

R 23 000


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Leeto la Moria

You must have a Pukwana ya Kganya Membership Book and

have a Kganya receipt in each of the 12 months prior to the month in which the Leeto la Moria sticker is purchased; then

you can buy a Leeto la Moria sticker for R5 at your Church;

NOW you have GREAT benefits; read about them below...

What is Leeto la Moria’s discount transport?• This is for Members who want to make their pilgrimages to Moria.

• Kganya will give you a 50% discount on your transport, on busses arranged by the Church.

• 3 times a year (April, September and December).

• You must buy your bus ticket at your Church.

• Depending on how far your Church is from Moria, the 50% discount could mean up to R200 saving!

• Remember: Buy your bus ticket on time!

• Moria Head Office tries to arrange as many busses as possible but it is first-come-first-served.

Leeto la Moria transports you!

What is Leeto la Moria?

Burial Cover

Perm

anent

Disability Cover

Drea

d Disease Cover L

eeto la Moria

Roadsid


Puk

wa

na

Ya kG

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Ya

7

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ONLY

R75

What is Leeto la Moria’s free-meals?• In our culture, it is our duty to feed people who have been invited to our homes

and have taken a long journey to visit us.

• We know the journey to Moria could take many hours.

• So, you receive a meal when you arrive at Moria, for FREE!

• You will receive these meals for all 3 of your pilgrimages during the year (April, September and December).

• If a Member travels in their own car and buys the R5 Leeto la Moria sticker at his/her Church for the year; they will not get a hot meal on arrival at Moria.

• Remember: The free meal is Only for the main Member whose name is in the Membership Book and who travels by bus.

• You must have the R5 Leeto la Moria receipt in your Pukwana ya Kganya Membership Book.

Leeto la Moria feeds you!


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• Roadside Assist helps Members travelling to Moria by car.

• It provides reliable roadside assistance to Members.

• This service is available during conference weekends from a week before the conference weekend and until a week after the weekend.

• Roadside Assist is FREE!

How do you qualify for these benefits?

• You must have a Pukwana ya Kganya Membership Book.

• You must pay your contribution for Pukwana ya Kganya in the month when the Roadside Assist services are needed or in the month just before that.

photo to come here

Roadside Assist

Burial Cover

Perm

anent

Disability Cover

Drea

d Disease Cover L

eeto la Moria

Roadsid


Puk

wa

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Ya kG

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9

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EACH MONTH

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R75

Why is there Roadside Assist?

• It is your right to arrive safely at Moria.

• When your car breaks down, it costs you valuable time and money.

• You have planned and saved to be at Moria to take part in your Church’s special celebrations and to receive guidance from His Grace The Right Reverend Bishop Dr BE Lekganyane.

Roadside Assistance• Flat battery (jump start).

• Flat tyre (help with changing the tyre).

• Keys locked in 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 R2000 (incl. VAT) per breakdown.

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.

What are the benefits of Roadside Assist?

24-Hour Kganya Helpline• Kganya will send help to you, if your car

breaks down during your journey to Moria and back home for the 3 conferences each year (April, September and December).


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• The ZCC has provided additional Burial and Permanent Disability Cover through the Kganya Benefits Fund Trust, for the officials of the first 10 and second 10 Member Church Committees, as well as members of staff at Moria at no cost to them.

• Church Committee Members and Moria staff members only get the extra benefits if they are Members and pay their contribution.

• These benefits are for Burial and Permanent Disability.

• They will receive the benefit for the normal cover for Burial and Permanent Disability PLUS an extra 50% of the benefit. For example, if Burial paid out R 23 000 then another R 11 500 will be paid for Thari ya Baruti.

• The Thari ya Baruti benefit will only be paid if the Burial Benefit is paid.

Burial and Permanent Disability Cover

How to claim

• A Pukwana ya Kganya Claim form must be completed.

• On the Pukwana ya Kganya Claim form, the question is asked:

• ‘Was the deceased a committee member?’ If the answer is ‘Yes’, then the committee must write a letter giving information about the position in rank that the deceased held at the Church AND the date of appointment to the Church Committee.

• Claims for Thari ya Baruti are paid at the Kganya Service Centre where the claim is handed in.

Thari ya Baruti

Burial Cover

Perm

anent

Disability Cover

Drea

d Disease Cover L

eeto la Moria

Roadsid


Puk

wa

na

Ya kG

an

Ya

11

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ONLY

R75

Conditions of Thari ya Baruti• These benefits are only available to Committee Members and members of staff at Moria

who are officially registered at Moria. • Claims for Thari ya Baruti will only be paid by Kganya after they receive a letter from Moria

confirming the official’s active membership or employment at Moria and if they qualify for the benefits.

• If the person is no longer a Committee Member or member of staff at Moria then his Thari ya Baruti benefits will automatically stop and the Member will not be covered.

• This is done through the District Minister’s Committee and submission to Moria for official registration.

• When you get approval from Moria, send the approval letters from the District Minister and Moria through to Kganya.

• Kganya will then issue a ‘data form’ for the committee to complete and return.

• This form is used to register the Church Committee Members into the Kganya system.

• A member MUST first get approval from Moria before working in a Church Committee.

Make sure your Church Committee is

in order


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Step 1You must approach a Church Official at your Church. The Church Official is trained by Kganya and he will help you apply for Membership. This will include all the documents that you will need to become a Member.

The Church Official will ask you if you understand the benefits offered by Pukwana ya Kganya. If you understand the protection, you can proceed to the next step.

Step 2Registration: the Church Official will fill in your details in a Pukwana ya Kganya Membership Book.

Step 3You will pay the first contribution of R75.00 to the Church Official for the Pukwana ya Kganya benefits.

Step 4The Church Official will stick a receipt into your Pukwana ya Kganya Book.

How do I apply for Pukwana ya Kganya?

How do I claim?

How do I Apply?

Pukwana ya Kganya covers you for:

• Burial • Permanent Disability • Dread Disease

1. Visit a Kganya Service Centre near you. (You can find the address in this brochure on page 13.) OR Visit your Church Committee and get a claim form. They will help you complete the document.

2. Burial Benefit Claims can also be processed at select Sanlam Service Centres.

3. Read the section, “Burial Benefit Regulations” in the back of your Pukwana ya Kganya Membersip Book.

4. Kganya will pay you directly. This payment will be via cheque, EFT or Benefit Card after Kganya has confirmed the identity of the person being paid, depending on the method of payment that is better for you.

For Roadside Assistance phone Kganya Helpline on 0800 000 538

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Go to www.mykganya.com

Kganya Service CentresPhysical Address Postal Address Telephone & Fax Number

Polokwane26 General Joubert Street, Polokwane 0699

Private Bag X9542 Polokwane, 0700 ( 015-291 5182Fax 015-291 3005

Pretoria1249 Francis Baard Street, Hatfield0083

P O Box 11929 Hatfield, 0028

( 010-350 0500Fax 087-233 0003

Johannesburg1st Floor, 357 Rivonia Boulevard Rivonia, 2128

P O Box 2876 Rivonia, 2128

( 011-234 3448Fax 011-234 3408

RustenburgOffice No. 1, Five EFS BuildingCnr Berg & Oliver Tambo Street Rustenburg, 0299

P O Box 7145 Rustenburg, 0300

( 014-592 0505Fax 014-592 0226

ThohoyandouOffice No. 2, Ndou MallCnr Tshanduka & Thulamela Street Thohoyandou, 0950

P O Box 218 Thohoyandou, 0950

( 015-962 5456Fax 015-962 6076

Nelspruit509 Kamkholo Building, 5th Floor Cnr Brown & Voortrekker Street Nelspruit, 1200

P O Box 16386 Nelspruit, 1200

( 013-753 2195Fax 013-752 8205

Tzaneen19 Danie Joubert Street, Tzaneen, 0850 P O Box 3494

Tzaneen, 0850 ( 015-307 6887Fax 015-307 3499

BurgersfortOffice No. 1, 1st Floor Maphutha Ditshaba Building Cnr Eddie and Church StreetBurgersfort, 1150

P O Box 3079 Burgersfort, 1150

( 013-231 7650Fax 013-231 8640

Welkom1st Floor, ABK Centre, Heeren StreetWelkom, 9460

P O Box 795 Welkom, 9460

( 057-357 1056Fax 057-357 1057

VryburgOffice No. 3, Wie-Cla CentreCnr Market & Molopo StreetVryburg, 8600

P O Box 769 Vryburg, 8600

( 053-927 3229Fax 053-927 3524

GiyaniShop No. 28, Masingita Plaza Cnr Malamulele & Main Rds, Giyani, 0826

P O Box 4275Giyani, 0826

( 015-812 0673Fax 015-812 0674

MokopaneOffice No. 16 & 17, 42 Retief StreetMokopane, 0601

P O Box 502Mokopane, 0600

( 015-491 7651Fax 015-491 7079

Groblersdal7 Kruger Street, Ext 2, Groblersdal0470

P O Box 1438Groblersdal, 0470

( 013-262 3013Fax 013-262 5054

KlerksdorpRoom 311A, Danfor Medical CentreJersich Street No. 1, Klerksdorp, 2571

P O Box 14362Flamwood Walk, 2535

( 018-462 6009Fax 018-462 6108

MthathaOffice No. 8, LCM Ludidi Building63 Madeira Street, Mthatha, 5099

P O Box 562Mthatha, 5099

( 047-531 0039Fax 047-531 0039

Bushbuck RidgeBushbuckridge Shopping CentreOffice No. 6ACnr Main Bushbuckridge & Graskop Roads, Bushbuckridge, 1280

( 013-799 0005Fax 013-799 0006

Louis TrichardtOffice No 10, Game Centre, CNR President & Songozwi Str,Makhado,0920

( 071 672 2396

www.mykganya.comTel: 0800 000 538

His Grace The Right Reverend Bishop Dr BE LekganyaneHeadquarters: Zion City Moria. P O Box 1, Boyne, 0728

Kganya Insurance Administrators (Pty) Ltd (RF).P.O Box 394, Rivonia, 2128

NATURAL DEATH

/ ACCIDENTAL DEATH

/ PERMAN

ENT DISABILITY / DREAD DISEASEN

ATUR

AL D

EATH

/ AC

CIDE

NTA

L DE

ATH /

PERM

ANEN

T DI

SABI

LITY

/ DR

EAD

DISE

ASE

0800 KGANYA (542692)0800 000 53808:00 - 16:30

www.mykganya.com

English

Pukwanaya Kganya

Z ION C HRISTIAN C HURCH

Kganya Insurance Administrators (Pty) Ltd (RF) is an authorised financial services provider FSP 7974.Underwritten by Sanlam Developing Markets Limited and Centriq Insurance Company Limited

Z C Pukwana ya Kganya · English Pukwana ya Kganya ZION CHRISTIAN CHURCH Kganya Insurance...

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Transcript of Z C Pukwana ya Kganya · English Pukwana ya Kganya ZION CHRISTIAN CHURCH Kganya Insurance...