Comprehensive Protection Plan

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Cover underwritten by Guardrisk Life Limited, an authorized financial services provider (FSP76) and licensed life insurer.

To read the terms and conditions click on Policy wording

Comprehensive Protection Plan

  • Comprehensive cover that gives you flexibility and freedom of choice
  • Includes death cover and the option to tailor make your plan by adding your choice of benefit
  • Choose from: Severe Illness cover, Permanent Disability cover or an Income Booster with a daily monetary benefit for when you are in hospital
  • Add your spouse at an additional premium

Comprehensive Protection Plan includes Death Cover and your choice of:

  • Permanent disability: Medical and certified incapacity resulting from illness, injury or disease
  • Serious Illness: Diagnosis of cancer, stroke, heart attack, organ transplant, kidney failure
  • Income Booster: In hospital daily monetary benefit of R600 per day – must be in hospital for at least 3 consecutive days
  • Choose your benefit level from R 50, 000 – R 200, 000 in increments of R50,000

Waiting periods:

  • Natural death, Permanent Disability, Serious Illness, Income Booster – 6 months
  • Unnatural death (suicide) – 12 months
  • Accidental death – no waiting period

How To Claim

To claim, complete the relevant form, attach the required documents, and send to claims@rcsgroup.co.za. We will assess your claim as soon as possible and get in touch with you for you.

Death Claim

You will need the following documents to claim:

  • Completed and signed Claim Form for a natural death or an unnatural death
  • Certified ID of deceased person
  • Certified Death Certificate
  • Notice of Death report (DHA1663)
  • Certified Affidavit and/or accident report
  • Certified ID of claimant/beneficiary
  • Bank statement of beneficiary certified and not older than 3 months
  • Accidental Death – police report

Send these documents to: claims@rcsgroup.co.za

Permanent Disability Claim

You will need for following documents to claim:

  • Completed and signed Claim Form
  • Bank statement not older than 3 months
  • Medical certificate certified and signed
  • Medical report
  • Letter from Employer if injured at work
  • Affidavit with delay reason if submitted after 3 months

Send these documents to: claims@rcsgroup.co.za

Severe Illness Claim

You will need the following documents to claim:

  • Completed and signed Claim Form
  • Bank statement not older than 3 months
  • Medical certificate certified and signed
  • Supporting medical proof of diagnosis
  • Send to claims@rcsgroup.co.za

Send these documents to: claims@rcsgroup.co.za

Income Booster Claim

You will need the following documents to claim:

  • Completed and signed Claim Form
  • Bank statement not older than 3 months
  • Hospital account
  • Medical report
  • Send to claims@rcsgroup.co.za

Send these documents to: claims@rcsgroup.co.za

Want To Know More?

Insurance - What is Customer Protection Insurance?

Customer Protection Insurance (CPI) is insurance that will provide the following cover:

  • Death & Permanent Disability – covers the outstanding balance of your account;
  • Loss of Income & Temporary Disability – covers up to 12 months’ instalments

Cover is underwritten by Guardrisk Life Limited, an authorised financial services provider (FSP76) and a licensed life insurer and by 1Life Insurance Limited, an authorised financial services provider (FSP24769) and a licensed life insurer

Please see our Terms and Conditions for more information.

How do I apply for Customer Protection Insurance?

For your protection Customer Protection Insurance is offered where you have an approved store card and/or loan with RCS. You have the right to waive the Customer Protection Insurance offered by us and to substitute it with a policy of your own choice, which covers the same benefits and which policy must then be ceded to RCS with written directions as stated in the National Credit Act. Customer Protection Insurance is optional on all credit cards. For more information contact the insurance team on 0861 729 727, or policies@rcsgroup.co.za 

Cover is underwritten by Guardrisk Life Limited, an authorised financial services provider (FSP76) and a licensed life insurer.

Cover is underwritten by 1Life Insurance Limited, an authorized financial services provider (FSP24769) and a licensed life insurer.

If you have further queries, please contact RCS Insurance on 021 597 4000/0861 729 727 or email policies@rcsgroup.co.za.

How do I submit a claim?

Visit our How to Claim section, and follow the easy steps.

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Have a question?

Email Cta

Send an email to

policies@rcsgroup.co.za

Contact Cta

Contact RCS on

0861 729 727 or 021 597 4000

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