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Insurancefundi is a consumer and expert driven insurance marketplace and education platform. Insurancefundi and its active community has helped over 300 000 consumers make informed decisions about their insurance and helped them save €1000s.
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Latest Articles
How much money do I need to save every month to retire on R20,000 per month in South Africa?
Securing a monthly income of R20,000 in retirement requires clear capital targets and consistent monthly contributions throughout your working life. Building a portfolio that reliably
How to Plan and Save Correctly for Retirement in South Africa
National Treasury estimates that fewer than 6% of South Africans retire comfortably. A major contributor to this situation is the practice of cashing out retirement
How the Two-Pot Retirement System Tax Rates Apply to Emergency Withdrawals
# How the Two-Pot Retirement System Tax Rates Apply to Emergency Withdrawals South Africa implemented the Two-Pot retirement system on 1 September 2024, enabling fund
Why the Sanlam Retirement Annuity is the Best Choice for Retirement Savings
When choosing a retirement savings vehicle in South Africa, structural benefits, institutional trust, and cost efficiency matter most. The Sanlam Retirement Annuity (RA) ranks among the
What to Check Before Taking a Personal Loan in South Africa
What to Check Before Taking a Personal Loan in South Africa Taking a personal loan can solve short-term problems, but it can also create long-term
Can You Invest in a Retirement Annuity with Only R300 a Month?
The good news is that starting small is better than not starting at all. Whether R300 is enough to invest in a Retirement Annuity (RA)
As Seen on Social
InsuranceFundi has been running for almost a decade & we have more than 600 published blog posts.
Life Insurance
Lets be honest for a second. Nobody wakes up thinking about life insurance! But at a certain point in your life, you simply cannot afford not to have it in place.
Car & Home Insurance
Just about everybody has been burnt when it comes to car and home insurance. Spend some time understanding the nitty gritty and avoid repudiated claims and heartache.
Funeral Cover
If you have enough spare cash lying around you don’t need funeral insurance. But do you really have enough spare cash lying around? Probably not, right?
Legal Cover
How much does a hot shot lawyer cost? Big bucks china. Do you need Legal Cover and what do policies actually cover you for?
Investments
Unless you are planning to hit the Lotto, you know you need to be saving for your future. But which products and how much?
Personal Loans
Is money too tight to mention? You aint the only one feeling the heat. Should you be looking at a personal loan?
Retirement Planning
Are you saving sufficiently for your retirement?
Medical Insurance
What if you cant afford a “fancy shmancy” medical aid? Are there any options available? Is medical health insurance even a viable option?
Financial Planning
It all starts with a plan Stan! Find out how to build a rock solid financial plan you can revisit and tweek as you move along.
Pet Insurance
Should you get a medical aid for your dog or cat? Would you be barking mad to even consider it?
Medical Aid
Which scheme should you pick? What plan should you be on? Picking a medical aid that is right for you can be a minefield.
Need a Quote
Start saving hundreds of Rands a month by requesting an obligation free quote from one of our partners.
Get the Latest Updates
● 𝗢𝗹𝗱 𝗠𝘂𝘁𝘂𝗮𝗹 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 from R450 p/m.
● Earn bonuses every year*.
● Boost your savings*.
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With 𝗢𝗹𝗱 𝗠𝘂𝘁𝘂𝗮𝗹 𝗙𝘂𝘁𝘂𝗿𝗲𝗜𝗻𝘃𝗲𝘀𝘁 𝗦𝗮𝘃𝗶𝗻𝗴𝘀 𝗣𝗹𝗮𝗻 you also get:
● Start saving from just R450/month for a minimum of 10 years.
● Aims to grow your money with inflation-beating returns.
● Access your savings every 5 years after year 5.
● *Earn annual bonuses until the end of your term.
● *Boost your payout — get your last 3 premiums back after 110 payments.
● Need a break? Skip up to 6 payments with Premium Holiday.
● Optional cover: premiums waived if you pass away or become disabled.
● Save for your child’s future — or anything you dream of.
Get more information Simply click “𝗦𝘁𝗮𝗿𝘁 𝗧𝗼𝗱𝗮𝘆” now.
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● 𝗙𝗲𝗱𝗵𝗲𝗮𝗹𝘁𝗵 𝗠𝗲𝗱𝗶𝗰𝗮𝗹 𝗔𝗶𝗱 from R1,155 p/m.
● Affordable and customisable hospital plan.
● Unlimited virtual GP consults.
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AND more… with 𝗙𝗲𝗱𝗵𝗲𝗮𝗹𝘁𝗵 𝗠𝗲𝗱𝗶𝗰𝗮𝗹 𝗔𝗶𝗱 you get:
● Upgrade to a higher option when life happens.
● Trauma treatment at a casualty ward.
● In-hospital cover with the freedom to fund your day-to-day benefits your way.
● Manage your membership effortlessly with our user-friendly digital platforms – no more boring call centre calls!
Get more information and/or a quick, obligation-free quote. Simply click “𝗚𝗲𝘁 𝗾𝘂𝗼𝘁𝗲” now.
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● 𝗦𝗮𝗻𝗹𝗮𝗺 𝗹𝗶𝗳𝗲 𝗰𝗼𝘃𝗲𝗿- 500K from R164 p/m.
● Includes 𝗳𝘂𝗻𝗲𝗿𝗮𝗹 𝗰𝗼𝘃𝗲𝗿 payout.
● 𝗟𝗶𝗳𝗲 𝗰𝗼𝘃𝗲𝗿 grows by 5% each year..
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AND More... With 𝗦𝗮𝗻𝗹𝗮𝗺 𝗹𝗶𝗳𝗲 𝗰𝗼𝘃𝗲𝗿 you can enjoy:
● 500K for 𝗹𝗶𝗳𝗲 𝗰𝗼𝘃𝗲𝗿 from R164 a month, including 𝗳𝘂𝗻𝗲𝗿𝗮𝗹 𝗰𝗼𝘃𝗲𝗿 payment.
● 4 in 1 policy with 1 premium: comprehensive 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲/𝗮𝗰𝗰𝗲𝗹𝗲𝗿𝗮𝘁𝗲𝗱 𝗳𝘂𝗻𝗲𝗿𝗮𝗹 𝗰𝗼𝘃𝗲𝗿/𝗲𝘅𝘁𝗲𝗻𝗱𝗲𝗱 𝗳𝗮𝗺𝗶𝗹𝘆 𝗰𝗼𝘃𝗲𝗿 𝗼𝗽𝘁𝗶𝗼𝗻/𝘁𝗲𝗿𝗺𝗶𝗻𝗮𝗹 𝗶𝗹𝗹𝗻𝗲𝘀𝘀 - all with only one monthly premium.
● 𝗟𝗶𝗳𝗲 𝗰𝗼𝘃𝗲𝗿 grows by 5% each year.
● 𝗟𝗶𝗳𝗲 𝗰𝗼𝘃𝗲𝗿 with accelerated funeral cover within 48 hours (set at 10% of total available life cover up to max R50k).
● Terminal illness accelerator can pay out 50% or 100% subject to a specialist confirming the prognosis.
𝗳𝘂𝗻𝗲𝗿𝗮𝗹 𝗰𝗼𝘃𝗲𝗿 for up to 21 family members - at an extra cost.
● Qualify for a free will.
Get more information and/or a quick, obligation-free quote. Simply click “𝗚𝗲𝘁 𝗾𝘂𝗼𝘁𝗲” now.
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Hi can I ge a quotation
I did a quotation without a bank acc for debit order, I haven't received a call to finalise. Still waiting
Insurance Made Simple: Understanding Waiting Periods
Ever wondered why you can't claim immediately after buying insurance?
Waiting periods protect insurers from people who only buy cover when they already know they need to claim. They're standard across the industry.
Here's what you need to know:
⏱️ General waiting period: Usually 3 months for most conditions
⏱️ Condition-specific: 12 months for pre-existing conditions
⏱️ Accident cover: Often starts immediately
The clock starts from your policy start date, not from when you first enquired.
Tip: Don't wait until you need insurance to buy it. The earlier you start, the sooner you're fully covered.
Questions about waiting periods on your policy? We can help you understand exactly when your cover kicks in.
Learn more and compare products: insurancefundi.com/ ... See MoreSee Less
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MYTH vs FACT
Myth: "Young, healthy people don't need health insurance - medical aid is enough."
The reality? Medical aids and health insurance serve different purposes.
✅ Medical aid: Covers day-to-day doctors, medication, and hospital plans (mandatory for many)
✅ Health insurance: Pays YOU cash when you're hospitalised or diagnosed with serious illness
Here's why both matter when you're young:
💰 Medical aid covers the bills
💰 Health insurance covers your LIFE while you can't earn - rent, groceries, car payments
A hospital stay doesn't pause your expenses. If you're living paycheque to paycheque or building your career, a serious illness or accident could derail everything.
The younger you start, the lower your premiums stay as you age.
Not sure what cover makes sense for your situation? Let's talk through your options - no pressure, just clarity.
Learn more and compare products: insurancefundi.com/ ... See MoreSee Less
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🦁 Meet Leo — InsuranceFundi’s insurance expert.
Insurance can be confusing. Policies are full of jargon, exclusions are easily missed, and it’s often difficult to compare products properly.
That’s where I come in.
I’ll investigate insurance products, explain the fine print in plain English, challenge common myths and help you ask better questions before you buy or claim.
What insurance question would you like me to investigate first?
Ask Leo in the comments. 👇
#InsuranceFundi #AskLeo #InsuranceMadeSimple ... See MoreSee Less
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𝗜𝗳 𝘆𝗼𝘂 𝗽𝘂𝘁 𝗮 𝗹𝗶𝘁𝘁𝗹𝗲 𝗮𝘄𝗮𝘆 𝘁𝗼𝗱𝗮𝘆...𝗙𝘂𝘁𝘂𝗿𝗲 𝘆𝗼𝘂 𝘄𝗶𝗹𝗹 𝗱𝗲𝘀𝗲𝗿𝘃𝗲 𝗮 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗵𝗶𝗴𝗵-𝗳𝗶𝘃𝗲! 🙌 ... See MoreSee Less
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📊Planning for retirement in South Africa? One of the most common questions we hear is: 'How much do I actually need to save each month to retire comfortably?' If your goal is a R20,000 monthly income in retirement, the answer might surprise you.
We've broken down the numbers to help you plan with confidence: www.insurancefundi.com/how-much-money-do-i-need-to-save-every-month-to-retire-on-r20000-per-month... ... See MoreSee Less
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💰Are you saving enough for retirement? Many South Africans aren't sure if they're on the right track. Understanding how much you need and the best savings vehicles to use can make all the difference to your financial future.
Learn the essentials of retirement planning tailored for South Africa.: www.insurancefundi.com/how-to-plan-and-save-correctly-for-retirement-in-south-africa/ ... See MoreSee Less
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