1. Family Crises Health Plan for the
Presented by
PSG Konsult

2. Covers principal, spouse and all children
Funeral Cover
Covers principal, spouse and all children
R50 per family
per month
Travelers Cover
Hospital Cover
Membership is compulsory for all Contract Cleaners
This is not a medical aid!
HIV Cover
Emergency Transport

3. Contribution The monthly contribution is R50 per family per month
Subsidy = 2.5% of salary with the balance subsidised by the employer
4 Month Maternity waiver
No contributions = no cover

4. Family
Eligible spouse means the spouse of the principal insured person
Where a person shares an abode with a principal insured person and has done so for six months and live together in the manner of a legally married couple the person shall be regarded as a spouse
Eligible child means any child including a legally adopted or step child including any child that is fully dependant on the principal insured person who has not attained the age of 21 (25 if unmarried and studying full time)
No age restriction for children who are mentally or physically handicapped and fully dependant on the principal member

5. Hospital Cover Pays R100 per 24 hour admission in hospital
Pays R150 per 24 hour admission in ICU
Pays R200 per 24 hour admission in hospital where more than one family member is hospitalised for the same incident
Sub-limit of R5 000 per member per annum iro TB to a maximum of R per family per annum

6. Travelers Cover
This plan will provide a lump sum benefit for accidental death as a result of making use of any form of registered public transport, ie taxis, trains, busses and registered vehicles
The benefit will be as follows:
Principal member and Spouse = R30 000
Eligible child = R12 000

7. Funeral Cover Upon the death of an eligible
member, the following benefit
shall be paid upon receipt of all
required documentation
Member
Benefit
Principal Member
R5 000
Spouse
Child
Child
R4 000
Child 0 - 5
R3 000
Stillborn
R1 000

8. HIV Help Line
In the event of accidental exposure to the HIV Virus, the member will
have unlimited free access to the Lifesense Trauma Line which
provides 24 hour professional counselling and guidance for
Reporting of any incident
Obtaining HIV information and advice
Advice on how to access AZT and 3TC starter packs, the morning after pill and STD medication
Combination anti-retroviral therapy for 28 days (upon the initial Elisa test being negative)

9. Emergency Medical Transport 084 124
Only via ER24
Only for medical emergencies
In certain high crime areas, members will be asked to get to the nearest police station where the ambulance will meet them

10. How to Claim
Contact the PSG Konsult Member Support Unit on and request a claim form
Submit the claim and all the necessary documentation within 6 months of the incident (claim will not be paid if it is older than 6 months)
Death claims will be paid within 2 to 3 working days (upon receipt of all documentation)
Hospital claims will be paid within 7 to14 working days (upon receipt of all documentation)

11. For all queries please contact the
PSG Member Support Unit on or send your queries to