InsuranceFundi is an independently owned blog which produces educational content so that South Africans can make better insurance decisions. We offer the best of both worlds. If you have a direct product need, we can pass you onto one of our partners, or you can contact us to set up a 5-minute chat about your financial planning needs.
Latest Posts
Why is it imperative that you have Salary Protection cover?
It would probably take 3 or 4 missed pay cheques to sink most South African households. That is an extremely sobering thought, isn’t it? If you found yourself in a situation where you could no longer earn an income (due to an accident or illness), it could very easily...
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Wanting some tax back at the end of February?
Hands up if you love paying tax, especially after the Bosasa scandal? There is a way to pay as little as possible legally, but you’re going to have to act quickly. How do you pay as little tax as possible? The answer lies in retirement funds, and specifically...
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Your pension may be at risk | Are you aware of this?
Imagine having the following conversation with your boss: Them: Listen (put your name here), you know that pension fund you belong to? The one we’re deducting from your salary every month? You: Yes… Them: Well, we’ve decided that instead of investing the money...
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How does Discovery Insure know if you’re a good driver?
What’s makes you choose one car and home insurance company over another? Is it because: You’re getting the best deal you possibly can, and You’re not going to have hassles if you claim? Funnily enough, for your insurance company it’s about the same two things: Are we...
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2 questions you should answer before purchasing Discovery Life insurance
Ask yourself these two questions when buying Discovery Life assurance: Am I a Discovery Health member on one of their comprehensive plans? Am I prepared to make the effort to get to Vitality diamond status? That’s it. Answer both with "yes" and you’re a match made in...
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Things you should consider if your medical aid is too expensive!
Are you thinking about taking out a “hospital insurance” policy of sorts? Perhaps your medical aid contributions are getting a little heavy, and you are considering canceling your membership to free up some spare cash every month? Might be a plan, but before you pick...
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How to find at extra R4,000 in your budget every month
Do you feel like you wasted a lot of money in 2018 without even being aware of it? If your answer is "Yes", join the club. We aren't into New Year's resolutions, but we have spent some time thinking about ways we could plug the potential leaks in our budgets and enjoy...
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Should you opt for a flat or % based car insurance excess? Calculator included
Tell us, what do you expect from your insurance? Some of us expect to be better off after a claim. But for most of us, we simply want to be in the same situation as we were before the loss. In this blog post, we look into car insurance excesses and how to avoid...
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Is your business owed a ton of money?
Paul recognizes the number displayed on his phone. Paul had been expecting this call for a while now. In fact, over the past month, he’d received a call from them every week. He’d run out of excuses and he knew deep down that the end had come! Paul speaking, hello… Hi...
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All you need to know about Zestlife Gap Cover
Today we’re asking two questions: Is gap cover a waste of money? Is Zestlife just out there to take your money? Before we answer those questions, here are three things we hate about medical care in South Africa: Spending thousands of Rands a year on medical aid when...
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You can join Discovery Vitality for free!
Not sure whether we should be telling you this, but what the heck, we can’t help ourselves. First off, if you asked us what’s the one thing which has made Discovery Health so successful, we’d have to say Vitality. In fact, and this is a big statement to make, Vitality...
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Is the risk of Cancer on the decline?
One thing is guaranteed…none of us are getting out of here alive. That’s why, if we have loved ones who depend on us, it makes perfect sense to own life insurance. Think about this for a moment…. There’s a risk almost as bad as dying, which is competing for top...
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Government should stop trying to squash Health Insurance!
South Africa is in a technical recession and we're all feeling it. You don’t need a PhD in Economics to get the sense that this isn’t good news for the average South African who is already struggling to make ends meet. Hold up your hand if you are feeling the pinch?...
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Discovery Keycare 2019 | Is it the right choice for you?
Boitumelo isn’t your average young women starting her first job. She’s also the head of a single parent household with a young son to take care of. Her story gets a lot more complicated. Her son lives with her mom in the Transkei while Boitumelo stays in Gauteng. Her...
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What will Discovery Health cost in 2019? Download our free plan comparison calculator
Should you downgrade to a cheaper plan next year...or upgrade to a more expensive one? Today we're only looking at the Rands and Cents equation when making that decision. However, before we wax lyrical, none of this is going to make any sense unless you first download...
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Why you should compare car insurance quotes with BetterCompare
There is a car insurance advert that’s currently on TV (feels like we’ve seen it a million times already) where a charismatic young guy rolls around with “happy customers” in a car, chatting about how much money they’ve saved since switching. Hands up if you know...
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Everything you need to know about Tax-Free Savings Plans
We don’t have a great savings culture in South Africa. Perhaps it’s because we are battling to keep our proverbial heads above water, or maybe most of us simply have a “live for today” philosophy which is tough to shake. Either way government recognizes our “lack of...
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Colectiv sponsored post | We’ve got an insurer that will give you life cover for mahala!
The steps in taking out life insurance have never changed. In exchange for covering your risk (dying, without enough money to look after your family), the life insurer then accepts a regular payment from you called a premium. The day you eventually...
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Your medical aid contribution is only tax deductible to a point | What point exactly?
Not too long ago your medical aid scheme contributions were tax deductible within limits. Then, in March 2012, SARS did away with this system and introduced Medical Scheme Fees Tax Credits (MTC). Let’s look at two things: how it works, and why we think it isn't fair....
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If you hate life insurance, you’ll love this!
What if I told you: “For every Rand spent with me on life insurance, I’ll invest up to one of my own Rands into an investment in your name"? Well, if it was me saying that, then I’d recommend you run for the hills, but if someone with more financial muscle is...
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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. Learn more about Life Insurance here.
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. Read about Car & Home Insurance here.
Funeral Insurance
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? Read our Funeral Insurance blogs.
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? Read about Legal Cover here.
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? Read about Investments here.
Personal Loans
Is money too tight to mention? You aint the only one feeling the heat. Should you be looking at a personal loan? Learn more about Personal Loans here.
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. Learn about Medical Aid here.
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. Read our blogs on Medical Insurance here.
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. Learn more about Financial Planning here.
Pet Insurance
Should you get a medical aid for your dog or cat? Would you be barking mad to even consider it? Read more about Pet Insurance.
Surveys & Polls
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