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	<title>Insurance Fundi</title>
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	<link>http://www.insurancefundi.co.za</link>
	<description>Because everyone has something to lose</description>
	<lastBuildDate>Tue, 21 Feb 2012 18:38:40 +0000</lastBuildDate>
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		<title>No NHRPL! Perhaps It&#8217;s Open Season For Greedy Healthcare Providers?</title>
		<link>http://www.insurancefundi.co.za/medical-aid-tariff-rates</link>
		<comments>http://www.insurancefundi.co.za/medical-aid-tariff-rates#comments</comments>
		<pubDate>Tue, 21 Feb 2012 18:38:40 +0000</pubDate>
		<dc:creator>Brendan</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Medical Aid]]></category>
		<category><![CDATA[medical aid]]></category>
		<category><![CDATA[medical tarrifs]]></category>
		<category><![CDATA[NHRPL]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7743</guid>
		<description><![CDATA[
If you belong to medical scheme (A) could they be paying providers at a different rate to medical scheme (B)? Shouldn’t there be a standard tariff structure? Only in a perfect world! There actually was a workable framework called the National Health Reference Price List (NHRPL) that all the medical [...]
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<li><a href='http://www.insurancefundi.co.za/medical-aid-pmb-copayments' rel='bookmark' title='Use A DSP Or Else Your Medical Scheme Will Apply Co-Payments To Your PMB Conditions'>Use A DSP Or Else Your Medical Scheme Will Apply Co-Payments To Your PMB Conditions</a></li>
<li><a href='http://www.insurancefundi.co.za/medical-gap-cover-do-i-need-to-be-on-a-medical-aid-scheme/' rel='bookmark' title='Medical Gap Cover | Do I Need To Be On A Medical Aid Scheme To Join?'>Medical Gap Cover | Do I Need To Be On A Medical Aid Scheme To Join?</a></li>
<li><a href='http://www.insurancefundi.co.za/healthcare-in-rsa/' rel='bookmark' title='Healthcare in South Africa &#8211; The check up!'>Healthcare in South Africa &#8211; The check up!</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Holistic Healthcare Planning is Essential!</title>
		<link>http://www.insurancefundi.co.za/critical-illness-cover-is-essential</link>
		<comments>http://www.insurancefundi.co.za/critical-illness-cover-is-essential#comments</comments>
		<pubDate>Thu, 16 Feb 2012 16:14:18 +0000</pubDate>
		<dc:creator>Brendan</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[critical illness cover]]></category>
		<category><![CDATA[disability cover]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7720</guid>
		<description><![CDATA[
Current statistics paint an alarming picture of the increasing prevalence of life threatening illnesses such as cancer and heart disease. No-one likes to think about contracting one of these ailments, especially when you consider that your medical aid benefits are unlikely to stretch far enough to cover all of the [...]
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<li><a href='http://www.insurancefundi.co.za/getting-covered-while-you-are-young' rel='bookmark' title='Life, Critical Illness and Disability Cover Should be a Financial Planning  Priority for Younger Clients'>Life, Critical Illness and Disability Cover Should be a Financial Planning  Priority for Younger Clients</a></li>
<li><a href='http://www.insurancefundi.co.za/libertylife-claims-stats-2010' rel='bookmark' title='Liberty Life Insurance | 2010 Claim Stats Make Interesting Reading!'>Liberty Life Insurance | 2010 Claim Stats Make Interesting Reading!</a></li>
<li><a href='http://www.insurancefundi.co.za/criticalillness-questions/' rel='bookmark' title='24% Of Life Insurers Claims Paid-To-Date Are Critical Illness Related! 49% Of Those Have Been Cancer Claims'>24% Of Life Insurers Claims Paid-To-Date Are Critical Illness Related! 49% Of Those Have Been Cancer Claims</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>4 Differences Between Medical Aid &amp; Medical Insurance Cover!</title>
		<link>http://www.insurancefundi.co.za/medical-aid-vs-medical-insurance-cover</link>
		<comments>http://www.insurancefundi.co.za/medical-aid-vs-medical-insurance-cover#comments</comments>
		<pubDate>Wed, 15 Feb 2012 15:02:06 +0000</pubDate>
		<dc:creator>Brendan</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Medical Aid]]></category>
		<category><![CDATA[hospital plan]]></category>
		<category><![CDATA[medical aid]]></category>
		<category><![CDATA[medical insurance]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7724</guid>
		<description><![CDATA[
“So what’s in a name you ask?” Plenty actually! And when it comes to private healthcare cover there are major differences between medical scheme &#38; medical insurance cover. Here are 4 things you should be aware of when you compare your conventional medical aid plan against medical insurance policies.

Price v [...]
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<li><a href='http://www.insurancefundi.co.za/medical-gap-cover-do-i-need-to-be-on-a-medical-aid-scheme/' rel='bookmark' title='Medical Gap Cover | Do I Need To Be On A Medical Aid Scheme To Join?'>Medical Gap Cover | Do I Need To Be On A Medical Aid Scheme To Join?</a></li>
<li><a href='http://www.insurancefundi.co.za/why-gap-cover-part-one' rel='bookmark' title='Medical Aid Gap Cover | Why You Need Medical Gap Cover Today | Part One'>Medical Aid Gap Cover | Why You Need Medical Gap Cover Today | Part One</a></li>
<li><a href='http://www.insurancefundi.co.za/medical-aid-can-my-application-be-declined/' rel='bookmark' title='Medical Aid | Can A Medical Scheme Decline My Application To Join?'>Medical Aid | Can A Medical Scheme Decline My Application To Join?</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are The Proceeds Of My Life Insurance Policy Subject To Estate Duty?</title>
		<link>http://www.insurancefundi.co.za/life-insurance-tax-free-</link>
		<comments>http://www.insurancefundi.co.za/life-insurance-tax-free-#comments</comments>
		<pubDate>Tue, 14 Feb 2012 14:09:52 +0000</pubDate>
		<dc:creator>Brendan</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[life cover]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7704</guid>
		<description><![CDATA[
Life insurance pay-outs can be pretty hefty. I mean really big numbers that run into millions and millions of rands. One of the questions I always get is “Will the life insurance proceeds be taxed when it pays out?” And here I&#8217;m specifically talking about the policy being subject to [...]
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<li><a href='http://www.insurancefundi.co.za/life-insurance-factors/' rel='bookmark' title='Life Insurance | 5 Factors To Consider When Buying A Life Cover Policy'>Life Insurance | 5 Factors To Consider When Buying A Life Cover Policy</a></li>
<li><a href='http://www.insurancefundi.co.za/modified-death-benefit' rel='bookmark' title='Should You Consider Taking Out A &#8216;Piesang Skil&#8217; Life Insurance Policy?'>Should You Consider Taking Out A &#8216;Piesang Skil&#8217; Life Insurance Policy?</a></li>
<li><a href='http://www.insurancefundi.co.za/life-insurance-executor-fees' rel='bookmark' title='Factor In Executors Fees When Taking Out Life Insurance'>Factor In Executors Fees When Taking Out Life Insurance</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.insurancefundi.co.za/life-insurance-tax-free-/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Does It Ever Make Sense For You To Own An Endowment Policy?</title>
		<link>http://www.insurancefundi.co.za/endowment</link>
		<comments>http://www.insurancefundi.co.za/endowment#comments</comments>
		<pubDate>Mon, 13 Feb 2012 05:00:35 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Endowment]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7693</guid>
		<description><![CDATA[
You might not know this but we write articles for other newsletters as well. Below is an article I wrote about endowment investment policies which I thought was too good to not publish on our own InsuranceFundi site. Why do I think it&#8217;s great? Simply because it explains why certain [...]
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<li><a href='http://www.insurancefundi.co.za/make-money/' rel='bookmark' title='How On Earth Do Insurance Companies Make Money?'>How On Earth Do Insurance Companies Make Money?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.insurancefundi.co.za/endowment/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Am I Safe From Creditors In A Close Corporation?</title>
		<link>http://www.insurancefundi.co.za/close-corporation-protection</link>
		<comments>http://www.insurancefundi.co.za/close-corporation-protection#comments</comments>
		<pubDate>Fri, 10 Feb 2012 22:00:33 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Business Insurance]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=3909</guid>
		<description><![CDATA[
First things first…what exactly is a close corporation?
In 15 words:
A close corporation is a legal business entity which is separate from its individual members!
Here’s the longer version:

A close corporation is a separate legal entity from its members. The close corporation owns the assets of the business, as opposed to sole [...]
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<li><a href='http://www.insurancefundi.co.za/association-agreements' rel='bookmark' title='Close Corporations | Should You Have An Association Agreement In Place?'>Close Corporations | Should You Have An Association Agreement In Place?</a></li>
<li><a href='http://www.insurancefundi.co.za/close-corp-member' rel='bookmark' title='Close Corporations – Who Can And Cannot Become A Member?'>Close Corporations – Who Can And Cannot Become A Member?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.insurancefundi.co.za/close-corporation-protection/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Commercial Insurance &amp; The Dreaded “Average” Clause!</title>
		<link>http://www.insurancefundi.co.za/commercial-insurance-average-clause</link>
		<comments>http://www.insurancefundi.co.za/commercial-insurance-average-clause#comments</comments>
		<pubDate>Fri, 10 Feb 2012 14:26:10 +0000</pubDate>
		<dc:creator>Brendan</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Commercial Insurance]]></category>
		<category><![CDATA[average]]></category>
		<category><![CDATA[Business Insurance]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7670</guid>
		<description><![CDATA[
The one thing about any insurance is that it’s got to be accurate. The devil really is in the detail and when it comes to your commercial insurance it’s no different. Make sure that your assets are insured correctly. Don’t take a chance and “guestimate” because it could cost you [...]
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<li><a href='http://www.insurancefundi.co.za/commercial-insurance-clauses-extensions' rel='bookmark' title='What are commercial insurance clauses &amp; extensions?'>What are commercial insurance clauses &#038; extensions?</a></li>
<li><a href='http://www.insurancefundi.co.za/commercial-insurance-whats-the-difference-between-a-personal-lines-policy/' rel='bookmark' title='Commercial Insurance | What&#8217;s The Difference Between A Personal Lines Policy?'>Commercial Insurance | What&#8217;s The Difference Between A Personal Lines Policy?</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Last Person On Earth You Want To Lend Money From</title>
		<link>http://www.insurancefundi.co.za/reserve-bank</link>
		<comments>http://www.insurancefundi.co.za/reserve-bank#comments</comments>
		<pubDate>Wed, 08 Feb 2012 19:42:27 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Prime rate]]></category>
		<category><![CDATA[Repo rate]]></category>
		<category><![CDATA[Reserve Bank]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7655</guid>
		<description><![CDATA[
So you’re down to your last couple of cents for the month.
The banks don&#8217;t want to lend you a dime because you owe them too much. Your family also wants to know nothing about your problems. You&#8217;ve cashed in your last investment.
So what&#8217;s a person to do when he or [...]
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<li><a href='http://www.insurancefundi.co.za/keyperson-how-it-works' rel='bookmark' title='Key Person Insurance | How Does Key Person Insurance Work?'>Key Person Insurance | How Does Key Person Insurance Work?</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Does My Medical Scheme Automatically Pick Up Chronic Medication Costs In Full?</title>
		<link>http://www.insurancefundi.co.za/medical-aid-chronic-illness-medication-costs</link>
		<comments>http://www.insurancefundi.co.za/medical-aid-chronic-illness-medication-costs#comments</comments>
		<pubDate>Tue, 07 Feb 2012 14:43:37 +0000</pubDate>
		<dc:creator>Brendan</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Medical Aid]]></category>
		<category><![CDATA[cib]]></category>
		<category><![CDATA[medical aid]]></category>
		<category><![CDATA[medical scheme]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7646</guid>
		<description><![CDATA[
Well, that depends. First off, if you want your chronic medication paid for you’ve got to put in an application with your medical scheme for chronic illness benefits (motivated by your GP). Then, if it’s approved there are a few payment scenarios that can play out.
If your condition is a [...]
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<li><a href='http://www.insurancefundi.co.za/medical-aid-pmb-copayments' rel='bookmark' title='Use A DSP Or Else Your Medical Scheme Will Apply Co-Payments To Your PMB Conditions'>Use A DSP Or Else Your Medical Scheme Will Apply Co-Payments To Your PMB Conditions</a></li>
<li><a href='http://www.insurancefundi.co.za/medical-gap-cover-do-i-need-to-be-on-a-medical-aid-scheme/' rel='bookmark' title='Medical Gap Cover | Do I Need To Be On A Medical Aid Scheme To Join?'>Medical Gap Cover | Do I Need To Be On A Medical Aid Scheme To Join?</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What are commercial insurance clauses &amp; extensions?</title>
		<link>http://www.insurancefundi.co.za/commercial-insurance-clauses-extensions</link>
		<comments>http://www.insurancefundi.co.za/commercial-insurance-clauses-extensions#comments</comments>
		<pubDate>Mon, 06 Feb 2012 13:58:12 +0000</pubDate>
		<dc:creator>Brendan</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Commercial Insurance]]></category>
		<category><![CDATA[Business Insurance]]></category>
		<category><![CDATA[commercial insurane]]></category>
		<category><![CDATA[multimark]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7633</guid>
		<description><![CDATA[
You agree that an insurance policy is a contract between you and the
insurer? Right, then you will also agree with me that a policy contains the
terms and conditions of your cover (it&#8217;s called the policy wording). Within
a commercial insurance policy wording are certain &#8220;clauses&#8221; and
&#8220;extensions&#8221;. And you need to be [...]
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<li><a href='http://www.insurancefundi.co.za/office-contents/' rel='bookmark' title='Office Contents Insurance'>Office Contents Insurance</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How are partnerships taxed?</title>
		<link>http://www.insurancefundi.co.za/partnership-tax</link>
		<comments>http://www.insurancefundi.co.za/partnership-tax#comments</comments>
		<pubDate>Sat, 04 Feb 2012 12:58:29 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Business Insurance]]></category>
		<category><![CDATA[Partnership]]></category>
		<category><![CDATA[Tax]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7624</guid>
		<description><![CDATA[
While I’d prefer discussing business insurance with you, tax is always fun.
I mean think about it, should the partnership be viewed as a funnel with all the money pouring in the top, all the expenses being deducted, tax paid on whatever&#8217;s left over by the partnership, and the tax-free profit [...]
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<li><a href='http://www.insurancefundi.co.za/common-law' rel='bookmark' title='Legally Speaking, Isn&#8217;t &#8216;Living Together&#8217; The Same Thing As Being Married?'>Legally Speaking, Isn&#8217;t &#8216;Living Together&#8217; The Same Thing As Being Married?</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Have You Tried Using A Debt Snowball?</title>
		<link>http://www.insurancefundi.co.za/debt-snowball</link>
		<comments>http://www.insurancefundi.co.za/debt-snowball#comments</comments>
		<pubDate>Fri, 03 Feb 2012 22:00:48 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Debt Snowball]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7629</guid>
		<description><![CDATA[
Ask any good financial planner out there for the formula to getting out of debt and they&#8217;ll tell you…
“You approach your bank for a short-term loan and negotiate a very competitive interest rate. Then you take all your smaller short-term loans with high interest rates payable and pay them off [...]
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<li><a href='http://www.insurancefundi.co.za/insurable-interest' rel='bookmark' title='Financial Planning | What Is The Meaning Of ‘Insurable Interest’?'>Financial Planning | What Is The Meaning Of ‘Insurable Interest’?</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Only 52% Of Life Cover Applicants Get Standard Rates!</title>
		<link>http://www.insurancefundi.co.za/life-insurance-altrisk-2011-new-business-stats</link>
		<comments>http://www.insurancefundi.co.za/life-insurance-altrisk-2011-new-business-stats#comments</comments>
		<pubDate>Fri, 03 Feb 2012 09:53:20 +0000</pubDate>
		<dc:creator>Brendan</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[altrisk]]></category>
		<category><![CDATA[life cover]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7616</guid>
		<description><![CDATA[
It’s always interesting to find out who is buying life insurance. Is it still predominantly middle aged men? How many of them are getting cover at standard rates? Altrisk have just released fresh data on the profile of the average life insurance client that come onto their books in 2011.
No prizes [...]
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</ol>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>&#8220;But I Don&#8217;t Want It Repaired&#8230;I Want A Brand-New One!&#8221;</title>
		<link>http://www.insurancefundi.co.za/claim-settlement</link>
		<comments>http://www.insurancefundi.co.za/claim-settlement#comments</comments>
		<pubDate>Wed, 01 Feb 2012 22:00:12 +0000</pubDate>
		<dc:creator>Lawrence</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Car and Home Insurance]]></category>
		<category><![CDATA[car and home insurance]]></category>
		<category><![CDATA[claim settlement]]></category>
		<category><![CDATA[types of claim settlement]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7591</guid>
		<description><![CDATA[
So do I&#8230;So do I!
Let me tell you a quick insurance story about Brad.
Brad’s daughter got hold of his laptop bright and early one morning after he left it on the kitchen table overnight. After banging around on the keyboard for some time, she got bored and turned her attention [...]
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Use A DSP Or Else Your Medical Scheme Will Apply Co-Payments To Your PMB Conditions</title>
		<link>http://www.insurancefundi.co.za/medical-aid-pmb-copayments</link>
		<comments>http://www.insurancefundi.co.za/medical-aid-pmb-copayments#comments</comments>
		<pubDate>Tue, 31 Jan 2012 15:57:06 +0000</pubDate>
		<dc:creator>Brendan</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Medical Aid]]></category>
		<category><![CDATA[designated service providers]]></category>
		<category><![CDATA[medical aid]]></category>
		<category><![CDATA[Prescribed Minimum Benefits]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7577</guid>
		<description><![CDATA[
&#8220;DSP&#8217;s, PMB&#8217;s, dude what are you going on about?&#8221;. I&#8217;m actually talking about your medical aid plan and not some new psychedelic drugs kids are popping in nightclubs.You see your medical scheme is legally obliged to pick up the cost of certain procedures called Prescribed Minimum Benefits (PMB&#8217;s) in full [...]
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		</item>
		<item>
		<title>Factor In Executors Fees When Taking Out Life Insurance</title>
		<link>http://www.insurancefundi.co.za/life-insurance-executor-fees</link>
		<comments>http://www.insurancefundi.co.za/life-insurance-executor-fees#comments</comments>
		<pubDate>Mon, 30 Jan 2012 14:37:27 +0000</pubDate>
		<dc:creator>Brendan</dc:creator>
				<category><![CDATA[All Posts]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[deceased estate]]></category>
		<category><![CDATA[life cover]]></category>

		<guid isPermaLink="false">http://www.insurancefundi.co.za/?p=7563</guid>
		<description><![CDATA[
If you’ve got a valid will document in place you’ve also nominated an executor. “What’s an executor you ask?” That’s the person / institution responsible for winding up your estate when you pass on. But just like everyone else, your executor needs to get paid. So where is that money [...]
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