South African insurance, in language you actually use.
No jargon, no spin. Short reads that explain how cover works, what to look out for, and how to make smarter calls — written by our editorial team for SA consumers.
What is excess on a South African insurance policy?
Excess is the amount you pay out of pocket on every claim. Here's how it works, what's reasonable in SA, and how to choose it.
Read Basics · 5 minHow insurance premiums are calculated in South Africa
What insurers actually look at when pricing your monthly premium — and the levers you can pull to bring it down.
Read Claims · 5 minWhy insurance claims get rejected in South Africa
The top reasons SA insurers repudiate claims — and how to make sure yours doesn't end up in that pile.
Read Basics · 4 minHow no-claims bonuses work in South Africa
What an SA no-claims discount actually saves you, how long it takes to build, and what happens to it when you switch insurers.
Read Life & Funeral · 4 minHow funeral cover works in South Africa
What funeral cover actually pays out, who it covers, and how to avoid the most common funeral policy traps.
Read Medical · 4 minHow medical aid waiting periods work in South Africa
The two waiting periods every new SA medical aid member faces — and when schemes are allowed to apply them.
Read Medical · 4 minWhat is gap cover and do you need it in South Africa?
Gap cover plugs the rand difference between what specialists charge and what your medical aid actually pays. Here's how it works and who needs it.
Read Basics · 4 minSouth African insurance terms, explained simply
A plain-English glossary of the most-misunderstood SA insurance terms — from premium to repudiation.
Read Claims · 4 minHow to escalate an insurance complaint in South Africa
The free, binding route to challenge a rejected claim or unfair treatment — without lawyers.
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