SHORT-TERM INSURANCE. Personal lines and commercial insurance value added products designed around you.

Transcription

1 SHORT-TERM INSURANCE Personal lines and commercial insurance value added products designed around you.

2 PSG Konsult Assist Website Eezi Assist Claim Assist Confirmation of Cover Assist Legal Assist Roadside Assist Advanced Household/Office Maintenance Assist Benefits Terms and Conditions HIV Prevention Assist Medical Assist Map Assist Travel Assist Shopping Assist Green Assist Cellphone Assist

3 Welcome to the new PSG Konsult Assist benefit programme, which was developed exclusively for PSG Konsult short-term insurance clients. We have also created a new PSG Konsult Assist website in conjunction with the existing call centre. In addition, we launch the Eezi Assist Button, which makes communication more effective. These mechanisms provide a gateway to access the various components of the programme. The website provides comprehensive product descriptions, details on new benefits, special offers and frequently asked questions. So be sure to visit the website regularly to stay informed of what is available to you. 1

4 EEZI ASSIST There is no need for you to remember our telephone number. You simply press a button on your cellphone and we call you! This benefit is available 24 hours a day, 7 days a week. You simply register yourself and any family members' cellphone numbers on the website. We will send you an activation SMS, which you will load against a button on your cellphone. Should you have an accident, vehicle breakdown, medical emergency, etc you simply press the chosen button for 2 seconds and PSG Konsult Assist is automatically notified that you need help. PSG Konsult Assist will contact you. If a family member needs assistance, they press the chosen button on their cellphone and we are there for them as well. NB: The cellphone needs to have airtime loaded. E e z i A s s i s t 2

5 REGISTERING FOR PSG KONSULT ASSIST AND THE EEZI ASSIST BUTTON 1. Visit the PSG Konsult Assist Website on 2. Select Register. 3. Complete the registration form and click Register. 4. Once your registration is successful you will receive a welcome which will include your username and password as well as other helpful information relating to PSG Konsult Assist. 5. You will also receive a SMS that needs to be loaded onto your cellphone as a speed dial to activate the Eezi Assist Button. If you do not have internet access and wish to register or need assistance please call us on

6 CLAIMS ASSIST Claims Assist provides you with assistance whenever you need to claim due to accident, theft, broken windscreen / windows, etc. We can help you with emergency services, referral to our approved service providers such as panel beaters and even send you the relevant insurance claim forms 24 hours a day, 7 days a week. Please note that Claims Assist does not replace the claims process but ensures quicker and more efficient service. Do not let anyone tow your vehicle without first calling us. We will ensure your car is towed to an approved repairer the first time. CONFIRMATION OF COVER ASSIST If you have purchased a new asset and require it to be added to your existing insurance policy with PSG Konsult contact PSG Konsult Assist 24 hours a day, 7 days a week, 365 days a year on * Only applicable to existing policyholders. LEGAL ASSIST Legal advice and assistance from qualified attorneys on any legal matter. Telephonic legal advice. 24 Hour legal referral. Two, 30 minute consultations with a qualified attorney, at no cost to our client*. Assistance on drawing up a will. Assistance with legal documentation, such as power of attorney, sale or lease agreements. Telephonic guidance on contractual law. Estate planning guidance. * At the discretion of our legal representative. 4

7 ROADSIDE ASSIST PSG Konsult Assist is there for you 24 hours a day, not only for mechanical and electrical breakdown, but also when you are involved in a collision. PSG Konsult Assist covers up to R3000 per year on personal lines but limits vary on commercial lines depending on the product chosen. Mechanical or Electrical Breakdown PSG Konsult Assist will tow the vehicle to the nearest repairer and will cover costs to a maximum of R1500 (incl. VAT) per incident. If you are further than 100km from your permanent residence or business address, where available and at PSG Konsult Assist discretion, PSG Konsult Assist will: offer car hire assistance for any vehicle to the maximum limit of R750 per incident. Please ensure that you have a valid credit card when travelling. Should you need a replacement car, car rental companies will only release the car to you if you have a valid credit card. OR offer hotel accommodation for a maximum of 4 people at a hotel of our choice (Max. limit of R1000 per incident). Subject to availability. If the vehicle needs to be left behind for repairs whilst you continue your journey, PSG Konsult Assist will provide an allowance of R750 per incident to assist with the repatriation of your vehicle. 5

8 ROADSIDE ASSIST continues... PSG Konsult Assist will also cover the call out and first hour s labour should you be in need of one of the following services: Vehicle locksmiths. Flat tyre assistance. 1 Jump start (flat battery). Approximately 20 litres of fuel, should it be required in emergency 2 situations. 1 It should be noted that jump starting some vehicles could result in damage to the vehicle s computer system. PSG Konsult Assist cannot be held liable should you choose to jump start your vehicle rather than tow it to the nearest repairer. 2 The cost of the fuel will be for your own account. Collision We will arrange for the vehicle to be towed to the nearest repairer.. PSG Konsult Assist offers these benefits 24 hours a day 7 days a week 6

9 ROADSIDE ASSIST continues... Unfortunately PSG Konsult Assist does not include the cost of, but offers assistance for: A vehicle that is not registered on your PSG Konsult or PSG Konsult Assist Insurance policy. Stolen and recovery tows and second tows. Parts, new batteries, tyres, locks, keys etc. A flat tyre but no spare tyre to replace it with. A vehicle older than 10 years.* * Only applicable to mechanical or electrical breakdown. PSG Konsult Assist will not be held liable for any repairs or towing costs not authorised by the call centre. 7

10 ADVANCED HOUSEHOLD/OFFICE MAINTENANCE ASSIST Comprehensive Household/Office Maintenance Assist is only a phone call away, 24 hours a day. At last there is a package of benefits specifically aimed at taking away the difficulties experienced in and around the house/office. Struggling with electrical and/or plumbing problems in and around the house /office? Give us a call and we will assist you in repairing up to 4 faults per claim. Are you experiencing problems with your appliances or electronic equipment or need a handyman to assist around the house / office? The simplest solution is to call and let us organise a service provider to assist you in taking care of the problem. Lost your keys? Did the key break off in the lock? Call us directly and we will dispatch a locksmith to assist you. Relocation Benefit (classified under Other benefits ) To assist you with moving house/office, PSG Konsult Assist have created a unique benefit that will ease the burden of moving. This is classed as 1 claim and you can choose any one, or all, of the benefits included. The benefit is subject to a maximum cover of R1000 per move. TABLE OF BENEFITS Using our database of approved service providers, we can assist you with the following: 8

11 ELECTRICAL PLUMBING APPLIANCES OTHER Faulty lights Blocked drains Microwaves Tree felling Faulty plugs Leaks Stoves Bee keepers Geyser thermostats Tap washers Fridges DSTV/TV installations Geyser elements Toilet rubbers Freezers Handyman Geyser valves Washing machines Burst pipes Tumble dryers Rubble/rubbish removal Carpet/upholstery cleaning Blocked baths, sinks & taps Dishwashers Fumigation Shower outlets Air conditioners Gutter cleaning Power failures Distribution boards Earth leakage relays Stove plates/elements General house wiring Main cables Light switches Water connections Municipal connections MOTORS ELECTRONICS RELOCATION TV s Moving company DVDs Cleaning services Burnt plug points Gates Hi-fi s Carpet cleaners Lightning wiring Pools VCRs Handyman Faulty circuits Jacuzzis LOCKSMITHS Security consultant Municipal connections Garage doors Unlocking of doors Security guard Replacement of locks Rubble/rubbish removal 9

12 THE FOLLOWING TERMS AND CONDITIONS ARE APPLICABLE This is a maintenance product and does not cover replacement of appliances, electronics, geysers, consequential damages, etc. PSG Konsult Assist will not be liable for any claims not reported to the call centre or where we have not appointed the service provider. Repairs are subject to parts being readily available from suppliers. The applicable excess and any amounts exceeding the maximum cover must be paid directly to the service provider. No hand held appliances are covered. Cover for replacement of locks is limited to one lock per claim. Appliances 10 years and older are excluded but can be covered on a fee for service basis. Overall limit of R4 000 per annum per policy. 10

13 The following maximum cover per claim, faults per claim and excesses are applicable: PRODUCT Electrical and plumbing Appliances, motors, electronics and locksmiths Other MAX COVER PER CLAIM R NO. OF FAULTS PER CLAIM EXCESS PER CLAIM 4 R280 1 R280 R R280 ACCESS PSG Konsult Assist has a large database of reputable service providers which are available to you, on a referral basis, should you require their services. These services could include: Fire damage House content evaluators Interior consultants House evaluators Carpet specialists Landscaping consultants Garden services Pool maintenance Builders Painters Security consultan ts Waterproofing Glaziers The service providers that are contracted by the call centre for any assistance services are independent contractors. Although every effort is made to monitor and assess these service providers, the responsibility for loss, damage or unsatisfactory workmanship remains with the service provider. PSG Konsult Assist will, however, make every effort to resolve any dispute that may arise, conditional upon the complaint being received in writing within 48 hours of the incident. 11

14 The possibility of you or a family member coming into contact with HIV / AIDS is not limited to sexual intercourse. It may be contracted through various means such as trauma, blood transfusion, rape or accidents to name but a few. The first 48 hours are critical. Should you receive the correct treatment and medication within this period your risk of contracting the virus decreases significantly. Should you, a member of your immediate family, or an employee be exposed to HIV, we offer you the following benefits: A 24 hour call centre staffed by HIV specialist medical practitioners. Access to details of the nearest medical facility where treatment can be administered. Unlimited telephonic counselling 24 hours a day, 7 days a week. Two consultations with qualified personnel. Antiretroviral therapy Prophylactic Starter Pack - 3 day course. Antiretroviral therapy - 28 day course. 2 blood tests The first to ascertain the patient s HIV status at the time of exposure. The second to ensure that the patients has not seroconverted to becoming HIV positive. Preventative treatment for other sexually transmitted infections If required, the morning after pill. HIV PREVENTION ASSIST 12

15 MEDICAL ASSIST Medical Assist will provide you with medical assistance 24 hours a day 7 days a week under the following circumstances: In the event of a medical emergency that involves bodily injury or any serious medical condition, we will arrange the following: Emergency medical response to the scene of the accident. Emergency medical transportation to the closest most appropriate facility for further medical care. Guaranteed hospital admission to a maximum of R5000, which is refundable by the policyholder s medical aid. Non emergency medical and health advice. Telephonic counselling and / or referral to a psychologist or psychiatrist. Repatriation of mortal remains. Cover is limited to R per annum. MAP ASSIST Lost or need directions from A to B? Simply call PSG Konsult Assist and we will provide you with the directions you require either by voice, fax or SMS. 13

16 TRAVEL ASSIST Travel Assist offers cheap flights worldwide! Customers may search and order their tickets 24/7 at their convenience. You can find your desired flights to Barcelona, New York, London or Paris at Travel Assist. We offer both 'full service' airlines as well as the low cost carriers. We provide our customers with the perfect tool for searching and booking flights at the best possible price. Travel Assist also produces great newsletters that highlights the latest deals on cheap tickets, competitions and offers really useful travel information. Whether you are searching for an airline seat or a luxurious weekend, you will find it at Travel Assist. Be your own travel agent and book your trip today! Visit the PSG Konsult Assist website and follow the easy steps to making that dream holiday a reality. PSG Konsult Assist will contribute R 500 once a year towards your travel insurance, for any trip booked through Travel Assist. 14

17 SHOPPING ASSIST We make life more convenient with Shopping Assist, an online website where we have negotiated discount prices directly with the factory or wholesalers. Do you know what you want? Then, just log into our online shop, place your order and have it delivered right to your doorstep. FREE OF CHARGE. Other benefits include being able to choose items within certain price ranges for birthday, wedding or Christmas presents. Or using the inventory facility to calculate the value of your household/office furniture and appliances. Products on offer range from furniture and appliances; electronic equipment; sporting equipment; outdoor equipment, etc. Where else can you purchase a bed, tent, lounge suite or office furniture and equipment online? If we don't have what you need online, we will attempt to source it for you. When it comes to pricing, we are very competitive. We are constantly on the lookout for specials that other retailers have, and then try to match or even better the price. Keep in mind that all our deliveries are FREE anywhere in RSA. Another great advantage is that we're open 24/7. That's the beauty of the internet. 15

18 GREEN ASSIST Your one stop GREEN energy website offers you ongoing solutions for cost effective alternative energy solutions. We also have lots of tips on how you can maintain a greener house by making minor changes which will not only save you money but the planet as well. CELLPHONE ASSIST Are you tired of having to go to the shops or onto the internet in order to buy airtime for a loved one or an employee? Now you can do it directly from your cellphone. A simple registration process is required and then you can preload your Cellphone Assist account with any value, plus you have the full control of allocating the funds to the other user when you want to. 16

19 Register on the PSG Assist website at your earliest convenience and you will be kept up to date on all new products and special offerings. Should you require any assistance please call us on

20 You are welcome to contact your PSG Konsult office during office hours for more detailed information regarding the policy wording. These benefits are valid within the borders of South Africa. March 2011 Underwritten by: Authorised Financial Services Provider FSP No Authorised Financial Services Provider FSP No Authorised Financial Services Provider FSP No. 26/10/ Administrated by Topexec PSG Konsult Financial Planning is an authorised financial services provider. FSP no. 728