27 Nov SwissFin SwissSure Newsletter – December 2019
We have a full newsletter to close off this year. The focus is the introduction of the National Health Insurance (NHI) bill, which has been heavily criticised in the press over the last few months. Please find our summary and comments further below.
As we are heading into the holiday season, we also would like to highlight the pitfalls of travel insurance policies. Many people assume they have automatic travel cover by paying the travel costs by credit card, which can be a dangerous assumption.
Christmas and the summer holidays are just around the corner. Our team wishes you a great time with your family and friends and lots of good health and great times for 2020. Please travel safe on our busy roads during the festive season.
We would also like to take this occasion and encourage you to read our newsletters. All important information, especially when it comes to changes to your short-term insurance policies, are communicated in our circular for your attention.
As usual, we have also included information across the board regarding investments, short-term insurance, immigration and other related topics. This newsletter can also be viewed under
Enjoy the reading, with best regards,
Your SwissFin / SwissSure – Team
- Interest rates: Bank deposits, insurance plans and tax-free investment amounts and our Forex rates
- Investec payments to Namibia, Swaziland and Lesotho
- Check your travel policy before you start your journey!
- Liability risk of restaurant owners due to load shedding
- Summary of Santam’s SOS and Roadside assistance
- Vantage Insurance: Legal liability clarification
- Old Mutual Insure: New commercial and domestic lines product upgrades
- SASRIA increases rates
- H&L becomes part of Santam
- Short-term insurers may no longer offer bereavement expenses cover
- BnB Sure policy changes
- Honda SRS Airbag inflator control – recall
- Santam: Revised Geyser information and rates
- Please make sure you do not overstay your visa in South Africa!
- DHA scrapping visitor visas to South Africa for seven countries
- Foreign children no longer need birth certificates when travelling to South Africa!
- What you need to know about the National Health Insurance (NHI) Bill
- Discovery Health changes 2020
- Is Gap Cover still worth it?
- Globality increases premium rates
- Cigna Global claims process
- New product offering: Infinity Plan of the BDAE
- SwissSure at the Pearl Valley Golf Club Championships
- The AARTO bill is in force
- We are experiencing problems with our telephone lines
- Personnel changes at SwissSure
- Our office hours over the festive season
- We value your comment
- Our Money Market Fund
- 12 Months Bank deposits
- Gross yield
- Taxes payable
- Bank A
- Bank N
- Bank F
- Bank S
- Our Offering
- Revenue collection is down by 4%, which equals R 53 Bn.
- The GDP growth forecast is at 0.5%, down from 1.5% eight months ago.
- The unemployment rate has increased to 29.1%.
- SA’s debt to GDP ratio will increase to 60.8% this year and it will most likely exceed 70% by 2022/23.
- The interest spending on loans will reach 6% of GDP.
- The national debit has reached R 3 Trillion and will reach R 4.5 Trillion in the next three years.
- Please check with your provider if you need to notify them prior to your departure. Some GAP cover policies offer cover, but it is not automatic and you need to complete a form before you travel.
- Some travel policies exclude any pre-existing conditions and the consequences thereof. Example: If you have heart problems and suffer a stroke overseas, there is no cover. You are advised to check this with your travel insurer.
- Most providers do not insure travellers over the age of 65 so you need to find an insurance policy that goes beyond that age.
- The curtailment/cancellation benefit is normally limited and most companies only offer up to R 50’000. This might not be sufficient, but you can ask for more cover and pay an additional premium.
- The same applies for the loss of luggage, which in most of the times is limited and very specific. You might be better off having this cover on your domestic short-term policy.
- Most insurers have a list of sporting activities that they deem to be high-risk and are therefore excluded. Ask for the list of exclusions!
- The full implementation of the NHI will be after 2026.
- Under the NHI, the government will provide a package of comprehensive health services for free at private and public health facilities as part of its bid to more equitable access to quality healthcare.
- Medical aids in its current format will disappear and will eventually be relegated to providing top-up cover under the NHI – or coverage for procedures or treatment that fall outside government’s package of care. Once the NHI has been fully implemented, your medical scheme will not be allowed to cover any health services that the NHI offers. They will also be shifting to standardise a basic coverage package across the industry in line with what is already on offer in the public sector.
- The government, will in turn, become the single largest purchaser of health services in the country, buying them from accredited private and public facilities with a centralised NHI Fund.
- To get basic health services in the future under the NHI, you will need to register with a public or private clinic. When you are sick, you have to start there for care. If you need a higher level of care, you will need to be referred from the clinic to a hospital or specialist. Jumping the queue and going straight to these more advanced levels of care will mean that the NHI Fund will refuse to pay for your care.
- The funding of the NHI will be through an additional payroll tax of approx. 2.5% of gross earnings, a surcharge on personal income tax and the tax credits for medical expenses will fall away. A further increase in the VAT rate might be on the cards too.
- The NHI Bill says that citizens, permanent residents, refugees, inmates and as yet undefined of other foreign nationals will be covered by the NHI. However, undocumented migrants and asylum seekers – people waiting for their refugee status to be determined – will only be entitled to emergency medical care and treatment for notifiable conditions, such as tuberculosis.
- Anyone under the age of 18 will continue to be entitled to free basic healthcare.
- The NHI fund money will be centralized and the Provinces will have no decision-making power.
- The public health service will have to be strengthened. Without this, people will overwhelmingly choose to register with private clinics instead of public facilities. To prevent the excessive use of private facilities proposed to form part of the NHI network of providers, public sector hospitals would need to be governed, managed, staffed, and equipped to a similar level as private hospitals before the implementation of the overall system. Health facilities across the country will have to adopt electronic patient records to administer 56-million enrolees.
- The NHI fund will set maximum prices for services and doctors. This may lead to health specialists emigrating should they be underpaid. According to reliable sources, health practitioners are already emigrating.
- The size of the NHI fund is estimated to be approx. R 450bn per year – two times larger than Eskom in terms of spending! The fund will be open to corruption and State capture, because the Minister has far too much power vested in him in terms of the new NHI bill.
- Besides the corruption fears, the Government does not have a great track record when it comes to the public health sector. The Department of Health has a consistent record of failure and one wonders how the Government wants to control a much larger project if it already failed in the public sector. The government currently does not know the exact costs of the NHI and having seen all other State-owned enterprises failing, why should we believe that the NHI would succeed. The public service incompetence has undermined any trust in the Government.
We believe that the NHI is unworkable in the current economic and fiscal context and could do more harm than good – South Africa simply cannot afford the NHI and an implementation is ill timed.
The health department expects the final NHI Act to come into effect before March 2020. Whilst there is a huge amount of detail still missing, the Democratic Alliance has already taken legal steps against the NHI bill, as they believe that certain sections are unconstitutional. Interested parties have 3 months to give their input on the bill.
- The weighted average contribution increase is 9.5%.
- The Classic Smart Comprehensive Plan is introduced, which provides efficient, comprehensive healthcare cover for families using the Smart Plan Network.
- There are general benefit updates to the chronic illness benefit, limits, co-payments etc.
- The Discovery Primary Care for household employees will be launched in 2020.
- For members experiencing life-changing events, such as cancer, trauma, heart attacks, chronic illnesses, the insurer is introducing Discovery Coaches. These highly skilled professionals are there to enhance the healthcare and wellness experience of members.
- Clients can now earn Discovery Miles for getting healthy (Discovery Health), driving well (Discovery Insure) and spending responsibly (Discovery Bank).
- Vitality Active Rewards: Clients will instantly earn 100 Discovery Miles and a play on the gameboard for every goal they achieve each week, plus an extra play on the gameboard for achieving all three goals. They can spend their Discovery Miles at the new partners such as Netflix, BoxOffice, Typo, Exclusive Books, Cotton On, takealot.com, Makro and more.
- Vitality Active Rewards for Kids and Teens is introduced: It is for the whole family, helping parents encourage healthy habits in children from the start.
- Introducing the 2020 Discovery Integrator: Clients can earn up to 5 000 Discovery Miles for completing personalised health checks and activating healthy banking with Discovery Bank.
- The Vitality Point thresholds now better reflects members’ health status and rewards. Clients can now reach Diamond Vitality status in a single year.
2. LOCAL AND INTERNATIONAL FINANCIAL NEWS
3. SWISSSURE: SHORT-TERM INSURANCE NEWS
5. HEALTH INSURANCE
SwissSure offers the following rates as of December 2019:
Interest rates ››
The minimum investment is R 100’000. Terms and conditions apply. The rates can fluctuate on a daily basis and the interest rate depends on the investment amount.
Insurance Plans: “Guaranteed income/growth plans” (5 year term), approx. 80% of the income is tax-exempt: ››
Tax-free interest income – maximum investment amounts: ››
R 1.5 Mio. for taxpayers under the age of 65
R 2.3 Mio. for taxpayers between the age of 65 and 75
R 2.5 Mio. for taxpayers over the age of 75
Underlying assumptions: 6.5% effective interest. Couples married in community of property can double these amounts.
SwissSure Forex Rates ››
Our rates as of November 2019 compare as follows, based on an amount of Euro 10’000 to be converted into ZAR:
The above table shows that our rates are attractive compared to commercial banks. Over and above, we do not charge any fees when the funds are credited or transferred to another local account.
Investec payments to Namibia, Swaziland and Lesotho ››
The South African Reserve Bank has adopted and introduced Directive 1 of 2018 which requires that transactions to and from Common Monetary Area countries (CMA), namely Namibia, Swaziland and Lesotho be treated as cross-border transactions and undergo the same screening and Balance of Payments reporting process as all other international payments.
Payments to and from these CMA countries will therefore cease to be processed as normal electronic funds transfer, similar to payments within South Africa (no excon restrictions within the CMA – this is simply a reporting requirement). With effect from Monday 23 September 2019, these payments must be processed as international payments.
2. LOCAL AND INTERNATIONAL FINANCIAL NEWS
The Medium Term Budget Speech ››
Our new Finance Minister, Mr. Tito Mboweni, released the Medium Term Budget Speech on 30 October 2019. He painted a bleak picture of our economy with some positive signs. The national debt is growing at an unsustainable rate and the government is spending too much.
The following figures are of concern:
The minister is implementing the following to reduce debt and get the economy back on track:
– The public wage bill is far too high and will be reduced by R 150 Bn over the next three years. Salaries will be frozen, official cars will be reduced and travel costs will be cut as well as many other benefits.
– In order to improve revenue collection, SARS is allocated an additional R 1bn.
– R 1.3bn is going to the NPA to become more effective in prosecution
– R 26bn has been allocated to Eskom.
– All State owned enterprises will be reformed and need to stand on their own feet. Any financial support by the Government is in form of loans
– The following plans are implemented:
The Integrated Resources Plan has been gazetted.
The Infrastructure Fund is being rolled out.
Industrial parks are being upgraded.
5g networks are being installed.
We are on the brink of junk status by the rating agencies. Following the Minister’s speech, Moody’s changed the outlook from stable to negative. The agency has given South Africa one last chance and the country has until February next year to effect economic reforms in order to avoid being downgraded.
Is it the end of Swiss banking secrecy? ››
Switzerland is known around the world for its centuries-long history of ensuring privacy for those using it as their financial hub.
However, a long running legal dispute between the French tax authorities and investment bank UBS could be the catalyst for a drastic change to the country’s financial services industry.
The Swiss federal Supreme Court has ordered UBS to share a list of its clients who allegedly failed to disclose they had accounts in Switzerland to the French tax authorities.
The risk is that this decision could create a legal precedent that would undermine Switzerland’s reputation as a financial safe haven.
The danger is now “fishing expeditions” by some revenue-hungry governments requesting administrative assistance, to see if they can get historical evidence of their citizens trying to hide money from their tax authorities.
The Swiss Bankers Association (SBA) is concerned about foreign countries going to jump on the opportunity created by UBS’ defeat to get their hands on as much data as possible.
The SBA released the following statement: “Bank and safekeeping account information is automatically submitted to the tax authorities in the participating countries on an annual basis via the Automatic Exchange of Information (AEOI).
Therefore, bank-client confidentiality cannot be abused by foreign account holders to evade taxes in their country of residence. Swiss banks are neither babysitters nor police officers when their clients decide to cheat on their taxes. Furthermore, bank-client confidentiality is still preserved as a professional confidentiality, meaning that Swiss banks continue to uphold the confidentiality of their customers, their bank and safekeeping accounts. The protection of privacy remains an important feature of the Swiss banks.”
3. SWISSSURE: SHORT-TERM INSURANCE NEWS
Check your travel policy before you start your journey! ››
When travelling, three main areas could cause a financial shortfall:
Medical expenses, loss of luggage and curtailment/cancellation costs. Travel insurance policies normally cover all of these aspects.
Medical expenses are normally covered via your medical aid. Local schemes typically cover you for up to 90 days abroad. Every travel insurance provides medical cover, which means that you end up with some dual insurance.
In addition to medical expenses, travel policies include benefits like repatriation of travel companions, burial, cremation, repatriation of mortal remains, missed flights, lost passports, accidental death or disability cover etc.
Local GAP cover policies do not extend across the border and hence there is no cover.
Loss or damage of luggage is most of the times an option you can take out on your travel policy. Please bear in mind that you already might have such cover on your domestic short-term policy, under the category General or Specified All Risks.
The optional curtailment or cancellation cover is typically only offered on travel insurance policies. This section insures additional expenses or lost bookings due to an unforeseen event.
What you need to be aware of:
Each holiday has its own unique risks and just assuming that your credit card company automatically covers you is very dangerous. Take the time to read your policy so that you know what you are insured for.
Before you travel, please make sure that you have all the emergency numbers saved on your mobile phone!
Liability risk of restaurant owners due to load shedding ››
Rolling blackouts have once again become a regular occurrence in South Africa. We would like to highlight the risks for our clients that run a restaurant or hospitality business:
– Restaurants need to have a policy of throwing out food that is in the process of being cooked when the power goes out, and understand exactly what the standards are regarding refrigerated food. Food that is halfway cooked when power is lost, should automatically be considered contaminated, and should be discarded to avoid food poisoning issues.
– Changes or interruptions in the cold chain when refrigeration equipment is turned on and off needs to be closely monitored.
– Customers and employees are also at risk of injury if the lights suddenly go out. Restaurant owners should always have emergency lighting and flashlights available in designated areas to avoid possible liability claims.
– Another liability risk that is often overlooked is that of spread of fire. Whilst property insurance will cover damage caused by fire on the business’s own premises, if the fire spreads to third party property, the damage can be immense. An example is a restaurant that rents space in a large shopping centre. If electrical heating and cooking equipment is left on during load-shedding, when the power supply returns, that heating equipment turns on automatically and presents a serious fire hazard. This could lead to the entire shopping centre burning down, thereby attaching liability to the restaurant.
Summary of Santam’s SOS and Roadside assistance ››
The insurer automatically offers these services and more on all domestic policies. Please save the emergency number (0860 505 911) on your phone should you need assistance in an emergency. You can click here to see a summary of the benefits provided.
Vantage Insurance: Legal liability clarification ››
The underwriting manager has issued a notice regarding the above. Please click here for more details.
Old Mutual Insure: New Domestic and Commercial Lines product upgrades ››
SASRIA increases rates ››
All insurers have been advised by SASRIA that their rates are to increase with effect from 1 October 2019.
As per the article in our last newsletter, the institution has received huge claims from violent protests and therefore has no option but to adjust their rates.
Please click here to read the communique.
H&L becomes part of Santam ››
Hospitality & Leisure Underwriters has become a division of Santam as from 2 September 2019. Please click here for further information.
Short-term insurers may no longer offer bereavement expenses cover ››
The Insurance Act 18 of 2017 became effective from 1 July 2018 and has made significant changes to the regulatory framework, in that insurers need to apply and register as Licensed Insurers – either for Life products or Non-Life products.
The effect of this change is that pure short-term insurers can no longer provide cover for bereavement expenses. You will therefore see on your policy that this functionality has been removed with effect from 1 September 2019.
All affected policy holders will be informed separately by their insurance companies.
BnB Sure policy changes ››
We recommend that all our guesthouse and hotel clients on BnB Sure familiarize themselves with the latest product enhancements. Please click here for summary of the policy changes.
Honda SRS Airbag inflator control – recall ››
Over the past couple of weeks, it has been widely reported in the media that Honda South Africa will be conducting a national recall of all Honda vehicles manufactured between 2001 and 2014. This recall relates only to Takata Airbags, both driver and passenger front airbags that might be installed in such vehicles. Please note that to date no incidents involving defective inflators have been reported in the South African market.
In line with the Honda Quality directive, Honda South Africa will replace all such airbags free of charge on affected vehicles.
In terms of all short-term policies, it remains the responsibility of the insured, to maintain your vehicle and take all reasonable steps to prevent any damage. We would like to ask all our clients that own Honda vehicles to avail of the offer made by Honda South Africa and follow the following steps to rectify any problems on affected vehicle and have the faulty airbags replaced if required:
– Enter your car’s VIN number on Honda’s website and they will contact you, or
– Call Honda’s customer Service on 0800 466 321, or
– Send an e-mail to and they will contact you
Santam: Revised Geyser information and rates ››
In the event of a problem with a geyser, Santam clients have to call the SOS line on 0860 505 911. This is to make sure that a qualified plumber is appointed and the claim be settled directly. The limits for the replacements of geysers have also been revised. Please click here to read the relevant circular with all the information.
Please make sure you do not overstay your visa in South Africa! ››
The SA officials at the port of entry/exit have taken a much harsher approach, after legislation was amended in 2014. The following time bans as an “undesirable person” in addition to a monetary fine apply:
– Overstay less than 30 days: Undesirable status and a 12-month ban from re-entering South Africa.
– Overstay more than 30 days: Undesirable status and a 5-year ban from re-entering South Africa.
Not only can you not enter South Africa again after the 12 months or 5 years, you also may not lodge an application for a visa or permanent residence during such period!
Please always check the validity period of your visa after arriving in South Africa. If the period is too short, you can in most cases extend your visa in South Africa. The Regulations state that you should apply for an extension at least 60 days before expiry of your visa, which should give the Department sufficient time to process your application.
We have seen problems in the past where extensions were not granted timeously and the visitor had to leave without the requested extension. Should you leave without the extension, it is very likely that you will be penalized when leaving South Africa.
You may lodge an appeal for overstay but this must be done within 10 days. Unfortunately, there is no guarantee that the outcome will be favourable.
DHA scrapping visitor visas to South Africa for seven countries ››
The Minister announced the changes during the Home Affairs Budget Vote on 10 July.
Nationals from the following seven countries do enjoy visa-free travel when coming to South Africa, which is in addition to a list of another 175 countries:
Qatar, United Arab Emirates, New Zealand, Saudi Arabia, Cuba, Ghana and São Tomé and Príncipe. In the pipeline are changes for China, India and Nigeria.
In the State of the Nation Address in both February and June President Rhamaposa announced that the Department of Home Affairs would accelerate the implementation of South Africa’s E-visa regime.
This E-visa system will see tourists and visitors to South Africa as well as highly skilled individuals apply for their visas online. These visa applications will then be sent to a central adjudication for approval, with successful applicants receiving virtual visas.
The Department believes e-visas will combat visa fraud, make it easier for tourists to visit, and make it easier for companies to acquire employees with critical skills.
The Department is working with ACSA (Airports Company South Africa) to establish an e-gates system that will register individuals as trusted travellers.
The Department’s hope is that the use of e-gates will rank South African airports higher with the international community making the country a desirable destination for doing business.
Foreign children no longer need birth certificate when travelling to South Africa! ››
The Minister of Home Affairs, Dr. Aaron Motsoaledi, signed a waiver on 8 November 2019, which allows foreign children to enter South Africa without additional documentation such as birth certificates or a consent letter from parents.
The waiver is in force with immediate effect and has been communicated to all airlines, the maritime industry and ports of entry.
It needs to be noted that this only applies to foreign children. South African children under the age of 18 still require supporting documents when travelling from and to South Africa.
The change is most welcome and just in time before the holiday season starts.
5. HEALTH INSURANCE
What you need to know about the National Health Insurance (NHI) Bill ››
On 8 August 2019, Health Minister Zweli Mkhize introduced the new NHI bill in Pretoria.
The most important points are as follows:
Prescribed Minimum Benefits (PMBs) are a list of 270 conditions and specified treatments that all medical aids must cover, including emergency medical care and chronic illnesses.
Approx. 84% of the South African population have no health insurance and rely on the already stretched public health care system. Whilst the Government needs to be applauded for trying to make healthcare accessible to everybody and cut the spiralling health care costs, many areas are of concern:
If you are concerned about the effects of the NHI, we recommend that you join an international health insurance plan which gives free choice of hospitals and specialists worldwide, with our without USA cover.
We will keep you posted on further developments and you can contact Tony R. Hug () for further information.
Discovery Health changes 2020 ››
This is a brief summary for our Discovery Health clients:
It will provide essential day-to-day healthcare benefits like nurse and GP consultations, dentist and optometrist visits, as well as funeral cover, wellness screenings and HIV management from R249 a month.
Discovery Vitality updates 2020:
For more information, please visit www.discovery.co.za
Is Gap Cover still worth it? ››
With many hospitals and specialists charging multiple times the stipulated Medical Aid rates, Gap Cover has emerged to protect consumers against huge medical expense shortfalls, with reasonable premiums of usually just a few hundred rand per month.
The Government amended legislation at the beginning of last year and introduced the “Demarcation Regulations”, which categorised gap cover as short-term insurance products and capped the maximum benefit to R 150’000 per annum.
With medical inflation outstripping general inflation, it is just a question of time, until the gap cover limits will be reached.
Therefore, financial planning for medical needs has become even more essential. You may want to consider joining an international health insurance plans, which is not exposed to the gap cover problems and will give you worldwide free choice of doctors and hospitals.
Globality increases premium rates ››
The international health insurer has announced the following increases for 2020:
– YouGenio World 2.5%
– YouGenio Germany 2.5%
The increase has been long overdue, after the premiums were unchanged for many years.
Even after the increase, the Globality rates are still very low compared to other insurers.
Cigna Global claims process ››
In order to have a smooth claims handling process, we would like our Cigna policyholders to familiarize yourself with the content on the customer website. Please click here to be taken to the customer website.
All the key content is there – even in German.
Please also be reminded that you can submit claims online via the Secure Online Customer Area – this is in the top right hand corner on the page via the link above.
New product offering: Infinity Plan of the BDAE ››
The German underwriting manager has recently launched a new plan for people moving to new destinations.
We have been working with the “Bund der Auslandserwerbstaetigen” for the last 10 years and are excited about the new product. The premium rates are extremely low, combined with comprehensive benefits, especially on the Classic Plan.
Example: The insured is 60 years of age. He/she selects the Classic Plan, which covers in- and out-of-hospital expenses, selects an excess of Euro 500, which results in a monthly premium of Euro 187 only!
Please click here to view the product details.
For more information, please contact Tony R. Hug on .
SwissSure at the Pearl Valley Golf Club Championships ››
We were invited again this year to sponsor this year’s Club Championships over the 9/10 November weekend.
The tournament was impeccably organized and the course presented itself in true championship style. MUA insurance again sponsored the lucky draw for the 1957 Chauffeur Bentley Drive.
The lucky winner was Mr Dave Stratton – congratulations and we hope you enjoy the prize!
The AARTO bill is in force! ››
In a recent turn of events, President Cyril Ramaphosa has signed the Administrative Adjudication of Road Traffic Offences (AARTO) Bill into law. The bill proposes introduction of a demerit system for South African drivers, and it is expected to fundamentally change driving in the country.
The AARTO Bill will result in the setting up of a demerit system for drivers, who lose points for traffic offences, which may result in the loss of a driving license.
From an insurance perspective, drivers with poor record on this system could face higher premiums but that would be at the discretion of each insurer. Depending on how well and efficiently the bill is rolled out, this new law could see good drivers benefit from better premiums with the bad drivers being penalized. The transport department says the new law will help reduce road deaths across the country.
We are experiencing problems with our telephone lines ››
Our office recently changed over from an ASDL line to VOIP (voice over IP). Unfortunately, the system seems to be unstable. This results in incoming calls to show a “busy” line or calls do not come through at all.
Should you experience any problems calling us, rather use our Whatsapp line on 066 197 8875.
We would like to apologize for any inconvenience caused and appreciate your understanding.
Personnel changes at SwissSure ››
We are sad to announce that Mrs Deborah Burt will be leaving us as from the end of November. She will be relocating to Switzerland and we wish her all the best with her new venture.
Ms Savanha Conrad will be taking over all the commercial insurance enquiries and can be contacted on .
Our office hours over the festive season ››
Please note that we are open on normal work days Monday – Thursday from 08.30 to 16.30 and Fridays 08.30 – 16.00. Our office will be closed from the 20th December at 12.00 and reopen on the 6th of January 2020
Should you have an emergency during the above period, please contact the following short-term insurer’s emergency numbers:
Renasa Domestic: 0861 628 328 or 083 791 0201
Renasa Commercial: 0861 736 266 or 083 791 0164
BnB Sure / Bryte: 0800 556677
Execuline / Hollard: 0860 103434
HIC: 011 455 5271
MUA: 0861 000 682
Old Mutual Insure: 0860 247365
Santam: 0860 505911
Vantage: 0800 214763
Western: 0860 400 007
HLU: 0861 726 526
CIA: 0861 242 777
Hollard Roadside assist 0860 038262
Hollard Geyser Hotline 021 702 0442 (Fogi Plumbing)
AIG (Chartis): 0860 005666