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PRODUCT OFFERING
Global Choices will provide the following loyalty program on behalf of all members belonging to the Programme. These services will be accessed via the call centre:Assistance Benefits:
  1. AA Roadside & Accident Assistance
  2. Accident Scene Manager
  3. Intelligent panic
  4. 4 x 4 Assist
  5. Motorbike Assist
  6. 3 Day Vehicle Replacement
  7. Caravan, Trailer & Watercraft Assist
  8. Hi-jacking Assist
  9. Auto Glass Assist
Home/Personal:
  1. Home Assist
  2. Home Invasion
  3. Emergency Medical Services    
  4. HIV Assist
  5. Trauma & Assault
  6. Funeral Assist
  7. Intelligent panic
  8. Security Assist
  9. Disability Assist
  10. Fire Assist
  11. Pool/Glass Assist
  12. Home Maintenance
  13. Inventory Assist

AA ROADSIDE & ACCIDENT ASSISTANCE
Roadside Assistance

Members have access to the following services in the event of a roadside emergency (limited up to R500 per incident):
  • Flat battery - jump start only (replacement of battery for the member’s account)
  • Flat tyre (help with change of tyre)
  • Keys locked in vehicle (unlocking only)
  • Fuel assistance (limited to five liters per incident)
  • Minor roadside–running repairs (electrical, coil, immobilizer etc.)
  • Transmission of urgent messages
Tow-in

Tow-in service to the nearest approved dealership (if under warranty), repair centre or panel beater in the event of:
  • Mechanical breakdown – covered up to R500
  • Electrical breakdown – covered up to R500
  • Accident damage – cost covered to the nearest approved panel beater up to a limit of R1850
Courtesy Transport

Where the vehicle needs to be towed to a repairer, we will arrange for the occupants of the vehicle (up to a maximum of four persons) to be transported to a nominated destination where the breakdown has occurred within a 100 km radius of your normal place of residence.

Hotel Accommodation

Where the breakdown has occurred outside a radius of 100 km from your normal place of residence, resulting in an overnight delay, we will arrange hotel accommodation for the occupants of the vehicle (up to a maximum of four people). Cover up to R500.

Car Rental

If the circumstances of the problem entitles you to the hotel accommodation benefit but you would prefer to continue with your journey immediately, we will arrange for a rental car to enable you to reach your destination, subject to your qualifying for a rental vehicle in terms of the car rental companies general terms and conditions. The costs incurred will be confined to rental charges; delivery and collection of the hire vehicle, and the car must be surrendered on arrival at your destination. Cover up to R500 and subject to availability.

Vehicle Repatriation

In the event of a member’s vehicle being left for repairs, we will pay up to R500 for 24-hour, Group-B car rental or a flight ticket to collect the vehicle after repairs. Alternatively, should the vehicle have been towed to a dealership closer to the member’s place of residence, we will supplement the additional tow costs with the costs of car rental.

Overall limit of R5 000 per annum per policy.

*Please note: This cover excludes all vehicles over 3 500kg, trailers, caravans and boats. A member will not be entitled to service where the vehicle is not in a roadworthy condition. Any costs incurred through arrangements made by the member without prior authorisation shall not be reimbursed. Assistance is only available in South Africa, Lesotho and Swaziland.

ACCIDENT SCENE MANAGEMENT
To significantly shorten the time taken to return a client’s car to the road after an accident, the data that is gathered at the accident scene is vital. Minutes count as vehicles are removed, people leave the scene and the chance to gather data is lost.

gpoih

How does Accident Scene Management provide all the data required?

  • By making Intelligent Assist available on all clients’ mobile phones;
  • In the event of a client being involved in an accident, the Call Centre receives a panic from the client, calls the client back in seconds and then manages the conversation and the data gathering to the precise specifications of the Insurer, guiding the client (and in some cases the tow operator, where appropriate) through the process of gathering car, personal and other detail – including taking and sending images from the accident;
  • Insurer has instant access to the individual accident data as well as a web dashboard that shows number of accidents (by day, week, month, by province, by broker);
  • The call centre is able to construct a comprehensive report on each accident and make this data available to all interested parties.
How does Accident Scene Management system differ from, for example, an app?

  • Mass upload of all clients in a single day (only data required is name, surname, ID and program that the client belongs to);
  • Instant contact in an accident – the client has only to remember a single digit on their phone to access the call centre – where an agent then takes command of the situation;
  • Instantly applicable to all client phones (the only limitation is that some older, low-spec phones may not have camera capability – in which case we could ask tow operators to assist as well);
  • Relying on the client alone to gather data has its limitations. For example, anyone involved in an accident is disoriented in those key minutes after the event has taken place. By allowing the experienced call centre operator to take control of the conversation, and to engage the client, and the tow operator where necessary, provides a more consistent quality of data.
What’s involved in setting up Accident Scene Management?

  • Insurer provides client data (name, surname, ID and program that the client belongs to ) and RegAlert sends an invite to the client to save the Intelligent Assist facility on their mobile phone (save the number to contacts and then assign contact details to a specified speed dial number – or in the case of Apple iPhone, to favourites);
  • Client-branded welcome message to Intelligent Assist explains the context of the service;
  • Clients have access to a mobi site, if necessary, to help them through the process of setting up Intelligent Assist on the phones;
  • The Intelligent Assist Call Centre is also available to assist clients through this set-up, where required.


INTELLIGENT PANIC
Intelligent Panic Program comprises the following:

This is a breakthrough in mobile emergency assistance and is a panic service that incorporates a call centre linked to one’s cell phone panic facility. The user simply presses their chosen panic number, saved on their mobile phone, and the Intelligent Panic emergency call centre, staffed with experienced Crisis Managers, will phone the client back and case-manage their emergency to completion, on a 24 hour basis, using the latest Location Based Services.

Intelligent Panic ensures that:
  • The users will never have to remember an emergency number again!
  • The user will never be alone in an emergency!
  • The user has access to all emergency support services from one button on their cell phone


4 X 4 ASSIST
Emergency Medical Evacuation Service - Outside of South Africa

Limitations
  • Arranges the nearest local emergency assistance service as well as provides emergency transport to the nearest, most appropriate medical facility
  • Cover will only apply if Insured Persons are travelling across the borders of South Africa in the insured vehicle.
  • Maximum trip duration of 90 days.
  • Insured Persons up to and including 69 years.
  • Cover extends to a maximum of 5 people per vehicle (1 driver and up to a maximum of 4 passengers)
  • Insured Person’s must activate cover before travelling
Insured Event Excess Sum Insured
1.1
Emergency Medical Expenses R 500 R 1,000,000
1.2
Emergency Medical Repatriation Expenses R 0 Actual Expenses
1.3
Emergency Medical Evacuation R 0 Actual Expenses
1.4
Supplementary Travel and/or Accommodation Expenses:


a. Accompanying Family Member R 0 R 40,000

b. Burial Expenses R 0 R 40,000

c. Return of Mortal Remains R 0 Actual Expenses

d. Return of Children R 0 R 40,000
2
Personal Accident – Death & Permanent Disability R 0 R 100,000

Accumulation Limit – Per motor vehicle R5,000,000

Roadside Assistance – Outside of South Africa

Tow-in
Tow-in service to the nearest approved dealership (if under warranty), repair centre or panel beater in the event of:
  • Mechanical & Mechanical breakdown – all costs will be for the “Client’s”  account
  • Accident damage – all costs will be for “Client’s”  account

Hotel Accommodation
Where the breakdown has occurred outside of South Africa, resulting in an overnight delay, we will arrange hotel accommodation for the occupants of the vehicle at the members cost.

Vehicle Repatriation
“Client” to be advised of the incident. “Client” will then assess the situation and decide on the repatriation or repair etc.  Should the incident occur outside office hours the vehicle is to be moved to a place for safe keeping. 


MOTORBIKE ASSIST
Roadside Assistance
Members have access to the following services in the event of a roadside emergency (limited up to R500 per incident): 
  • Flat battery - jump start only (replacement of battery for the member’s account)
  • Flat tyre (help with change of tyre)
  • Fuel assistance (limited to five liters per incident)
  • Minor roadside–running repairs (electrical, coil, immobilizer etc.)
  • Transmission of urgent messages
Tow-in
Tow-in service to the nearest approved dealership (if under warranty), repair centre or panel beater in the event of:
  • Mechanical breakdown – covered up to R500
  • Electrical breakdown – covered up to R500
  • Accident damage – cost covered to the nearest approved panel beater up to a limit of R1850
Courtesy Transport
Where the motorcycle needs to be towed to a repairer, we will arrange for the rider of the motorcycle to be transported to a nominated destination where the breakdown has occurred within a 100 km radius of your normal place of residence.

Hotel Accommodation
Where the breakdown has occurred outside a radius of 100 km from your normal place of residence, resulting in an overnight delay, we will arrange hotel accommodation, cover up to R500.

Car Rental
If the circumstances of the problem entitles you to the hotel accommodation benefit but you would prefer to continue with your journey immediately, we will arrange for a rental car to enable you to reach your destination, subject to your qualifying for a rental vehicle in terms of the car rental companies general terms and conditions. The costs incurred will be confined to rental charges; delivery and collection of the hire vehicle, and the car must be surrendered on arrival at your destination. Cover up to R500 and subject to availability.

Overall limit of R5 000 per annum per policy.

*Please note:  A member will not be entitled to service where the motorcycle is not in a roadworthy condition. Any costs incurred through arrangements made by the member without prior authorisation shall not be reimbursed. Assistance is only available in South Africa, Lesotho and Swaziland.

3 DAY VEHICLE REPLACEMENT
After an accident or breakdown, we will provide your client with immediate car rental for 3 days to ensure they remain mobile and are not inconvenienced.
CARAVAN, TRAILER & WATERCRAFT ASSIST
We will cover the cost of storing and towing your caravan, trailer or watercraft to the nearest repairer using an approved towing operator.

Tow-in service to the nearest approved dealership (if under warranty), repair Centre or panelbeater in the event of:
  • Mechanical breakdown – covered up to R500
  • Accident damage – cost covered to the nearest approved repairer within a 50km radius from dispatch point (up to a limit of R2000)

Where the breakdown has occurred outside a radius of 100 km from your normal place of residence, resulting in an overnight delay, we will arrange hotel accommodation for the occupants of the vehicle (up to a maximum of four people and on condition that towing was arranged via the assistance call centre).  Covered up to R500.

You will not be eligible for cover with your Caravan, Trailer & Watercraft Assist policy in the following scenarios:
  • If your caravan, trailer or watercraft is towed by a vehicle driven by the regular driver in a vehicle not licensed to the regular driver
  • If the driver operating the vehicle is under the influence of alcohol or drugs,
  • If the caravan, trailer or the vehicle towing it is not roadworthy
  • Or if the caravan, trailer or watercraft is being used outside of South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland or Zimbabwe
  • Vehicles over 3 500kg, trailers, caravans and boats. You will not be entitled to service where the vehicle is not in a roadworthy condition.


HI-JACKING ASSIST
This is a 24 hour crisis management product to assist you in the event of a hi-jacking. We will assist with the following:  
  • In the case of your vehicle being hi-jacked, we will provide you with Group B car hire for 48 hours to keep you mobile
  • In the case of your credit card being stolen, we will provide you with a pre-loaded debit card up to the value of R500 to assist you in the interim
  • In the case of your keys being stolen in a hi-jacking, we will send a locksmith to your house to assist you with your locks, up to the value of R1000 per annum
  • In the case of you being hi-jacked at your place of residence, we will place a security guard at your house for 24 hours


AUTO GLASS ASSIST
Auto Glass Assist is part of our risk prevention products which is aimed at decreasing your exposure to risk. You will receive discounted rates on a wide range of glass/glazier products for your car or home.
AA ROADSIDE & ACCIDENT ASSISTANCE
Roadside Assistance
Members have access to the following services in the event of a roadside emergency (limited up to R500 per incident): 
  • Flat battery - jump start only (replacement of battery for the member’s account)
  • Flat tyre (help with change of tyre)
  • Keys locked in vehicle (unlocking only)
  • Fuel assistance (limited to five liters per incident)
  • Minor roadside–running repairs (electrical, coil, immobilizer etc.)
  • Transmission of urgent messages
Tow-in
Tow-in service to the nearest approved dealership (if under warranty), repair centre or panel beater in the event of:
  • Mechanical breakdown – covered up to R500
  • Electrical breakdown – covered up to R500
  • Accident damage – cost covered to the nearest approved panel beater up to a limit of R1850
Courtesy Transport
Where the vehicle needs to be towed to a repairer, we will arrange for the occupants of the vehicle (up to a maximum of four persons) to be transported to a nominated destination where the breakdown has occurred within a 100 km radius of your normal place of residence.

Hotel Accommodation
Where the breakdown has occurred outside a radius of 100 km from your normal place of residence, resulting in an overnight delay, we will arrange hotel accommodation for the occupants of the vehicle (up to a maximum of four people). Cover up to R500.

Car Rental
If the circumstances of the problem entitles you to the hotel accommodation benefit but you would prefer to continue with your journey immediately, we will arrange for a rental car to enable you to reach your destination, subject to your qualifying for a rental vehicle in terms of the car rental companies general terms and conditions. The costs incurred will be confined to rental charges; delivery and collection of the hire vehicle, and the car must be surrendered on arrival at your destination. Cover up to R500 and subject to availability.

Vehicle Repatriation
In the event of a member’s vehicle being left for repairs, we will pay up to R500 for 24-hour, Group-B car rental or a flight ticket to collect the vehicle after repairs. Alternatively, should the vehicle have been towed to a dealership closer to the member’s place of residence, we will supplement the additional tow costs with the costs of car rental.

Overall limit of R5 000 per annum per policy.

*Please note: This cover excludes all vehicles over 3 500kg, trailers, caravans and boats. A member will not be entitled to service where the vehicle is not in a roadworthy condition. Any costs incurred through arrangements made by the member without prior authorisation shall not be reimbursed. Assistance is only available in South Africa, Lesotho and Swaziland.
ACCIDENT SCENE MANAGEMENT
To significantly shorten the time taken to return a client’s car to the road after an accident, the data that is gathered at the accident scene is vital. Minutes count as vehicles are removed, people leave the scene and the chance to gather data is lost.
gpoih
How does Accident Scene Management provide all the data required?

  • By making Intelligent Assist available on all clients’ mobile phones;
  • In the event of a client being involved in an accident, the Call Centre receives a panic from the client, calls the client back in seconds and then manages the conversation and the data gathering to the precise specifications of the Insurer, guiding the client (and in some cases the tow operator, where appropriate) through the process of gathering car, personal and other detail – including taking and sending images from the accident;
  • Insurer has instant access to the individual accident data as well as a web dashboard that shows number of accidents (by day, week, month, by province, by broker);
  • The call centre is able to construct a comprehensive report on each accident and make this data available to all interested parties.

How does Accident Scene Management system differ from, for example, an app?

  • Mass upload of all clients in a single day (only data required is name, surname, ID and program that the client belongs to);
  • Instant contact in an accident – the client has only to remember a single digit on their phone to access the call centre – where an agent then takes command of the situation; 
  • Instantly applicable to all client phones (the only limitation is that some older, low-spec phones may not have camera capability – in which case we could ask tow operators to assist as well);
  • Relying on the client alone to gather data has its limitations. For example, anyone involved in an accident is disoriented in those key minutes after the event has taken place. By allowing the experienced call centre operator to take control of the conversation, and to engage the client, and the tow operator where necessary, provides a more consistent quality of data. 

What’s involved in setting up Accident Scene Management?

  • Insurer provides client data (name, surname, ID and program that the client belongs to ) and RegAlert sends an invite to the client to save the Intelligent Assist facility on their mobile phone (save the number to contacts and then assign contact details to a specified speed dial number – or in the case of Apple iPhone, to favourites);
  • Client-branded welcome message to Intelligent Assist explains the context of the service;
  • Clients have access to a mobi site, if necessary, to help them through the process of setting up Intelligent Assist on the phones;
  • The Intelligent Assist Call Centre is also available to assist clients through this set-up, where required.


INTELLIGENT PANIC
Intelligent Panic Program comprises the following:
This is a breakthrough in mobile emergency assistance and is a panic service that incorporates a call centre linked to one’s cell phone panic facility. The user simply presses their chosen panic number, saved on their mobile phone, and the Intelligent Panic emergency call centre, staffed with experienced Crisis Managers, will phone the client back and case-manage their emergency to completion, on a 24 hour basis, using the latest Location Based Services.

Intelligent Panic ensures that:
  • The users will never have to remember an emergency number again!
  • The user will never be alone in an emergency!
  • The user has access to all emergency support services from one button on their cell phone


4 X 4 ASSIST
Emergency Medical Evacuation Service - Outside of South Africa

Limitations
  • Arranges the nearest local emergency assistance service as well as provides emergency transport to the nearest, most appropriate medical facility
  • Cover will only apply if Insured Persons are travelling across the borders of South Africa in the insured vehicle.
  • Maximum trip duration of 90 days.
  • Insured Persons up to and including 69 years.
  • Cover extends to a maximum of 5 people per vehicle (1 driver and up to a maximum of 4 passengers)
  • Insured Person’s must activate cover before travelling


Insured Event Excess Sum Insured
1.1
Emergency Medical Expenses R 500 R 1,000,000
1.2
Emergency Medical Repatriation Expenses R 0 Actual Expenses
1.3
Emergency Medical Evacuation R 0 Actual Expenses
1.4
Supplementary Travel and/or Accommodation Expenses:


a. Accompanying Family Member R 0 R 40,000

b. Burial Expenses R 0 R 40,000

c. Return of Mortal Remains R 0 Actual Expenses

d. Return of Children R 0 R 40,000
2
Personal Accident – Death & Permanent Disability R 0 R 100,000

Accumulation Limit – Per motor vehicle R5,000,000

Roadside Assistance – Outside of South Africa

Tow-in
Tow-in service to the nearest approved dealership (if under warranty), repair centre or panel beater in the event of:
  • Mechanical & Mechanical breakdown – all costs will be for the “Client’s”  account
  • Accident damage – all costs will be for “Client’s”  account

Hotel Accommodation
Where the breakdown has occurred outside of South Africa, resulting in an overnight delay, we will arrange hotel accommodation for the occupants of the vehicle at the members cost.

Vehicle Repatriation
“Client” to be advised of the incident. “Client” will then assess the situation and decide on the repatriation or repair etc.  Should the incident occur outside office hours the vehicle is to be moved to a place for safe keeping. 


MOTORBIKE ASSIST
Roadside Assistance
Members have access to the following services in the event of a roadside emergency (limited up to R500 per incident): 
  • Flat battery - jump start only (replacement of battery for the member’s account)
  • Flat tyre (help with change of tyre)
  • Fuel assistance (limited to five liters per incident)
  • Minor roadside–running repairs (electrical, coil, immobilizer etc.)
  • Transmission of urgent messages
Tow-in
Tow-in service to the nearest approved dealership (if under warranty), repair centre or panel beater in the event of:
  • Mechanical breakdown – covered up to R500
  • Electrical breakdown – covered up to R500
  • Accident damage – cost covered to the nearest approved panel beater up to a limit of R1850

Courtesy Transport
Where the motorcycle needs to be towed to a repairer, we will arrange for the rider of the motorcycle to be transported to a nominated destination where the breakdown has occurred within a 100 km radius of your normal place of residence.

Hotel Accommodation
Where the breakdown has occurred outside a radius of 100 km from your normal place of residence, resulting in an overnight delay, we will arrange hotel accommodation, cover up to R500.

Car Rental
If the circumstances of the problem entitles you to the hotel accommodation benefit but you would prefer to continue with your journey immediately, we will arrange for a rental car to enable you to reach your destination, subject to your qualifying for a rental vehicle in terms of the car rental companies general terms and conditions. The costs incurred will be confined to rental charges; delivery and collection of the hire vehicle, and the car must be surrendered on arrival at your destination. Cover up to R500 and subject to availability.

Overall limit of R5 000 per annum per policy.

*Please note:  A member will not be entitled to service where the motorcycle is not in a roadworthy condition. Any costs incurred through arrangements made by the member without prior authorisation shall not be reimbursed. Assistance is only available in South Africa, Lesotho and Swaziland.


3 DAY VEHICLE REPLACEMENT
After an accident or breakdown, we will provide your client with immediate car rental for 3 days to ensure they remain mobile and are not inconvenienced.
CARAVAN, TRAILER & WATERCRAFT ASSIST
We will cover the cost of storing and towing your caravan, trailer or watercraft to the nearest repairer using an approved towing operator.

Tow-in service to the nearest approved dealership (if under warranty), repair Centre or panelbeater in the event of:
  • Mechanical breakdown – covered up to R500
  • Accident damage – cost covered to the nearest approved repairer within a 50km radius from dispatch point (up to a limit of R2000)

Where the breakdown has occurred outside a radius of 100 km from your normal place of residence, resulting in an overnight delay, we will arrange hotel accommodation for the occupants of the vehicle (up to a maximum of four people and on condition that towing was arranged via the assistance call centre).  Covered up to R500.

You will not be eligible for cover with your Caravan, Trailer & Watercraft Assist policy in the following scenarios:
  • If your caravan, trailer or watercraft is towed by a vehicle driven by the regular driver in a vehicle not licensed to the regular driver
  • If the driver operating the vehicle is under the influence of alcohol or drugs,
  • If the caravan, trailer or the vehicle towing it is not roadworthy
  • Or if the caravan, trailer or watercraft is being used outside of South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland or Zimbabwe
  • Vehicles over 3 500kg, trailers, caravans and boats. You will not be entitled to service where the vehicle is not in a roadworthy condition.


HI-JACKING ASSIST
This is a 24 hour crisis management product to assist you in the event of a hi-jacking. We will assist with the following:
 
  • In the case of your vehicle being hi-jacked, we will provide you with Group B car hire for 48 hours to keep you mobile
  • In the case of your credit card being stolen, we will provide you with a pre-loaded debit card up to the value of R500 to assist you in the interim
  • In the case of your keys being stolen in a hi-jacking, we will send a locksmith to your house to assist you with your locks, up to the value of R1000 per annum
  • In the case of you being hi-jacked at your place of residence, we will place a security guard at your house for 24 hours


AUTO GLASS ASSIST
Auto Glass Assist is part of our risk prevention products which is aimed at decreasing your exposure to risk. You will receive discounted rates on a wide range of glass/glazier products for your car or home.

HOME ASSIST
Fixtures, Fittings and Services
In the event of a home emergency as a result of breakage of fixtures and fittings, we will arrange for an appropriate repairer (electrician, plumber, locksmith, glazier etc.) to address the problem at one nominated address (call-out fee and first hour labour is covered, thereafter normal rates apply). Please not that all parts and materials used are excluded and will be for the member’s account.

A home emergency is defined as an event that is potentially life threatening or could possibly cause structural damage to a property.

Overall limit of 3 incidents or up to R2,000 per annum per policy.

Emergency Services Notification and Call-out
We will, at your request, relay notification of emergencies to the police, traffic, fire brigade, ambulance, security or any other emergency service provider.


HOME INVASION
This is a 24 hour crisis management product to assist you in the event of a home invasion. We will assist with the following:  
  • In the case of your cellphone being stolen in a home invasion, we will provide you with a cellphone loaded with pre-paid airtime to the value of R100
  • In the case of your vehicle being stolen, we will provide you with Group B car hire for 48 hours to keep you mobile
  • In the case of your credit card being stolen, we will provide you with a pre-loaded debit card up to the value of R500 to assist you in the interim
  • In the case of your keys being stolen in a home invasion, we will send a locksmith to your house to assist you with your locks, up to the value of R1000 per annum
  • In the case of your home being invaded, we will place a security guard at your house for 24 hours after the invasion has taken place.
  • In case of your home being invaded, we will provide hotel accommodation to the value of R1000 per annum.


EMERGENCY MEDICAL SERVICES
Medical Advice and Information Hotline
Medical personnel, including paramedics, nurses and doctors, are available 24 hours a day to provide general medical information and advice. This is an advisory service, as a telephonic conversation does not permit an accurate diagnosis.

Emergency Medical Advice and Assistance Hotline
In addition to the general medical advice service, one call to the same number will trigger the medical operators who will guide you through a medical crisis situation, provide you with emergency advice and organise for you to receive the support you require.

Referral to Crisis Line
Bereavement counselling, HIV counselling, Suicide counselling.

Referrals to Medical Practitioners and Facilities
We will refer you to the nearest medical facility or practitioners.

Emergency Medical Response to the Scene of a Medical Emergency
An appropriate response will be undertaken whereby a response vehicle will be dispatched immediately to the scene of a medical emergency where appropriate life saving support will be provided to the member/s and where relevant, the member/s will be stabilised before transfer is provided to the closest appropriate medical facility.

Medical Transportation
In the event of you experiencing a medical emergency, we will arrange for emergency medical transport to the nearest medical facility capable of providing adequate care. Medical considerations, the degree of urgency, your state and fitness to travel and other considerations, including but not limited to, airport availability, weather conditions and distance to be covered, as assessed by the doctor and support staff, will determine whether transport will be provided by private, medically equipped aircraft, helicopter, regular schedule flight, rail or road.

Inter-hospital Transfer
If the doctor, in consultation with the attending doctor, determines that treatment should continue at an alternate medical facility (because the necessary treatment cannot be continued at the present facility) we will arrange for transportation to the closest facility where the treatment can be continued after you have been stabilised.

Medical Repatriation
In the event of your hospitalisation outside of your hometown, we will assist in arranging for your repatriation to your hometown once you have been treated.

Escorted Return of Minors
In the event of your children being stranded as a result of your hospitalisation, we will arrange for their transportation, under supervision where necessary, into the care of a person nominated by you.

Compassionate Visits
Should you be hospitalised outside your hometown for a period exceeding five (5) consecutive days, we will arrange for the transportation of a close relative to visit you.

Please note: This cover is only valid within the borders of South Africa. There is an annual limitation of R20 000 per policy.

HIV ASSIST
The HIV-protection treatment service ensures confidential testing and treatment within the 72-hour window period.  It includes:

  • 24-hour access to trauma counsellors, providing telephonic trauma counselling as well as counselling for post-traumatic stress disorder
  • Three psychiatric consultations with a general practitioner /  trauma-trained registered nurse / trauma counselor
  • Three HIV-blood tests one immediately after the incident and the second and third at six weeks and three months respectively
  • Access to STD-preventative medication
  • Access to anti-retroviral or prophylactic therapy
  • Access to the “morning-after pill”


TRAUMA & ASSAULT
24-hour Emergency Assistance Helpline
In the unfortunate event of a traumatic incident, we will provide the member with counselling by trained medical professionals. This is a 24-hour emergency assistance helpline that:

  • Arranges the nearest local emergency assistance service as well as provides emergency transport to the nearest, most appropriate medical facility
  • Offers referrals for psychiatric consultations
  • Covers R5 000 per insured person with a maximum of R10 000 per family per occurrence in respect of psychiatric consultations


FUNERAL ASSIST
The service assists the bereaved family and next-of-kin with the facilitation of the burial.
It comprises of the following:

  • Location of the deceased
  • Overnight accommodation for the next-of-kin in order to identify the body (up to R500)
  • Repatriation of mortal remain to a place of burial, at no extra cost (only in SA)
  • Referral to a pathologist if an autopsy is required
  • Referral to a reputable undertakes
  • Assistance with funeral arrangements
  • Advice on how to apply for death certificate and border-crossing documentation
  • Interpretation of legal documentation such as the funeral policy
  • Referral to counselling services for support and advice

All funeral products and services ordered via the call centre are subject to a 10% - 20% discount
Discounted products and services on coffins, removal of deceased, storage and preparation, legal documentation, funeral programs, hearse, family car, transportation of the deceased (within 50km radius), grave preparation and grave equipment: lowering device, green mats, straps, drapes, gravesite canopy and 10 chairs.


INTELLIGENT PANIC
Intelligent Panic Program comprises the following:
This is a breakthrough in mobile emergency assistance and is a panic service that incorporates a call centre linked to one’s cell phone panic facility. The user simply presses their chosen panic number, saved on their mobile phone, and the Intelligent Panic emergency call centre, staffed with experienced Crisis Managers, will phone the client back and case-manage their emergency to completion, on a 24 hour basis, using the latest Location Based Services.

Intelligent Panic ensures that:
  • The users will never have to remember an emergency number again!
  • The user will never be alone in an emergency!
  • The user has access to all emergency support services from one button on their cell phone


SECURITY ASSIST
If you have had a break-in or robbery at your place of residence, we will make arrangements for the placement of a security guard outside your residence for 24 hrs thereafter. All incidents must be reported to the police in order to obtain a case reference number and to make use of the service.
DISABILITY ASSIST
Receive discounts from various service providers for various home benefits relating to renovating/adaption of your home or vehicle, following paralysis/other disabilities.
FIRE ASSIST
Our fire safety and protection checklist will help you identify potential fire hazards in your home, from equipment to escape procedures.
POOL / GLASS ASSIST
Pool/ Glass Assist is part of our risk prevention products which is aimed at decreasing your exposure to risk. You will receive discounted rates on a wide range of products including glass/glazier and pool nets etc.
HOME MAINTENANCE ASSIST
In the event of a home maintenance emergency as a result of breakage to fixtures and fittings (e.g. toilet handle breaking), we will arrange for an appropriate repairer to address the problem at one nominated address.
Please note that all parts and materials used are excluded and will be for your account. Call-out fee and first hour labour is covered, thereafter normal rates apply.


INVENTORY ASSIST
The home inventory system makes creating and updating your home inventory easy and efficient. The system allows you to create a room-by-room inventory of your home. With secure online storage you will have access to your inventory anywhere, any time. You never know when a disaster may strike, but you can be prepared with an up-to-date home inventory.
HEALTH & WELLNESS:
Allen Carr’s Easy Way to Stop Smoking: receive 15% discount off the programme
Camelot Spas: receive 8% discount on selected massages and facials
CE Mobility: receive 10% discount off all disability aids
Contours Express: pay no joining fee and receive a free healthy eating plan booklet
Eat for Life: sign up for three months and receive the fourth month free
First Aid Kits: receive discounted rates on various first aid kits available
HealthSpas.co.za: receive a 10% discount on vouchers
Mangwanani: receive 10% discount off standard packages and products
Planet Fitness: 3 months free for every 12 or 36 month membership
Run/Walk For Life: R350 off the price of a new annual subscription or a pair of New Balance running shoes
Shapes for Women: pay no joining fee and receive a free healthy eating plan booklet
The Health Plate: receive 20% discount on adult & kids portion control plates
Virgin Active: pay a discounted joining fee, 50% off pro-rata fee and no card fee
Vital Health Foods: have access to Vital Club member prices


LEISURE & ENTERTAINMENT:
CDs & DVDs: receive 15% discount when spending R150 or more
Crystal Brook: receive 25% discount on all DVD’s
eWine: receive 10% discount on all purchases (excluding delivery)
Golf Experience: receive 10% discount on Golf Experience subscriptions
Magazines: receive up to 35% discount on annual subscriptions
Movie Tickets: receive a 20% discount at Classic cinemas
NetFlorist: receive 10% discount on all online purchases
Newspapers: receive up to 35% discount on annual subscriptions
NWJ: receive R100 off purchases of R600 or more on quality jewellery and selected watches
Pulp Books: receive 10% discount on all book purchases
The Players Golf Club: normal price is R1 399, Club price is R1 199 once off fee OR monthly instalments of R300 for the first instalment and R130 for the following 11 months


TRAVEL:
Absolute Skiing: receive 10% discount on all land arrangements, excluding ski passes, ski schools and ski hire
Accommodation: receive up to 35% discount from a wide range of service providers: City Lodge Group, Diaz Strand, Home from Home, Orion Hotels, Peermont Hotels and many more
Foreign Exchange: receive 0.5% discount on commission
Babylite: receive 10% discount on orders over R500
BIDVest Hospitality Airport Lounge: pay only R100.80 for domestic flights (save R49.20) and R201.60 for international flights (save R48.40)
Busses: receive up to 15% discount from Translux, Greyhound and Intercape
Car Hire: receive up to 20% discount from Europcar, Avis EFS and SMH Car Hire
Contiki Holidays: receive 15% discount on travel packages
Corporate Cabs: receive 10% discount on a minimum of a R100 or more per trip one way
Cruises: receive up to 15% discount
Executive Carport: receive 10% discount
Flights: receive up to 15% discount
Insight Vacations: receive 15% discount on packages
Luxury Trains: receive up to 10% discount on train tours
JB Train Tours: receive 10% discount on all train tours hosted in Southern Africa
Netcare Travel Clinics: receive 30% discount off consultations and occupational health assessments
SA Cabs: receive 10% discount on services
Thompsons Holidays: receive up to 10% discount on exclusive packages 
Trafalgar Tours: receive 15% discount off on packages
Avis Chauffeur Drive, Point to Point and Car Rental: discounted rates available


HOME & DECOR:
Bedrooms in Boxes: receive 10% discount bedding and accessories
Bica Timber (Patio Furniture): receive a 10% discount on all patio furniture
Garden Pavilion: receive a 10% discount (excluding sale or promotional items)
H2O International: receive a 3 year pro-rated warranty on all premier purifiers as well as a 90-day unconditional money-back guarantee
Hirsch’s: receive 5% discount off all brown and white goods (excluding Miele appliances) and 15% off all furniture and bedding
Housesitter Services: receive 10% discount (JHB only)
King’s Paint & Hardware: receive 5% discount
Kitchen Team Marketing: receive 5% discount, plus free cutlery tray, free spice tray and free handles to the value of R250 (Gauteng only)
The Drain Surgeon: receive 10% discount on plumbing (subject to COD)
The Electro Clinic: receive 10% discount on electrical work (subject to COD and only in selected areas)
The Kitchen Studio: receive 5% discount 
Weber: receive 7.5% discount on selected products
Whirlpool: discounted rates on exclusive items


CONNECT:
Cellphone Contracts: specials and promotions available
HPshop: discounted rates available
International Roaming: advisory service only
Prepaid Airtime: receive up to 10% discount on Cell C, MTN, Virgin Mobile, Telkom & Vodacom
Prepaid Calling Card: receive up to 10% discount on WorldCall R50, R100 and R200 as well as R25, R50 and R100 RealTalk prepaid calling cards
Prepaid Electricity: receive a 2% discount from a minimum order of R10
Prepaid SMS Bundles: receive up to 10% discount, on Cell C R39 and Vodacom R49
Shop and Ship: receive up to 10% discount off all the latest and greatest cell phone accessories and computer products


CONCIERGE:
A dedicated consultant will assist you with services related to:
  • Entertainment
  • Restaurant
  • Household Concierge
  • Kids Referral
  • Holiday Checklist
  • Advanced Driving
  • Auto Concierge


EDUCATION:
Education Matters: receive up to 10% discount off tutoring services
HERO Skills: Members receive 12% off educational cognitive software
Blazing Moon: 10% discount available on various courses
Boston City Campus & Business College: 10% discount available on various courses
Leap: 20% discount available on various courses
PC Training and Business College: 15% discount available on various courses


FINANCIAL:
My Tax Consultant: receive 10% discount on monthly payments
AUTO:
Advanced Driving: for your convenience we offer a concierge service, sourcing the most appropriate driving courses
Auto Concierge: using a comprehensive dealer database, a dedicated consultant will contact all the workshops and car dealerships in your area and source the best prices on vehicle parts or accessories that you may need
Buying a Second Hand Car Checklist: useful tips when buying a second hand car
DataDot: receive a 10% discount for application to your personal vehicles and a 10% discount on all household kits
Dekra Auto SA: receive 10% discount on Roadworthy, Multi-point Check, Technical Inspection, Security Seal and Safety Check
Glass Strengthening System: receive 10% discount off the recommended retail price on automotive glass protection
Lets Talk Cars: you receive discounts off of various car manufacturer vehicles on new or pre-owned vehicles, save up to 8%
MTrack: receive 17% discount on the tracking unit, 17% discount on monthly subscriptions and 12.1% discount on lease purchase
TomTom: receive up to 20% discount on TomTom products so that you can find your way the easy way
Q-ing Services: receive a 10% discount in Gauteng only (excluding department fees)
Road Trip: Road Trip will drive you home in your own car when you can’t. Road Trip offers a range of sober solutions in reaching your destination safely. Members receive 10% discount off monthly membership packages, rate per kilometre and the welcome pack
Secure Fit: Members receive R150 off of selected products


SECURITY ASSIST:
ADT: receive 12% discount off new installations and upgrades or a month’s free subscription on link up (terms & conditions apply)
Chubb: receive 20% discount on new and existing systems and 20% discount on upgrades
Defend Yourself: pay less then trade prices on all stun guns, tazers and pepper sprays
Glass Strengthening System: receive 10% off the recommended retail prices on home products
Maxidor: 10% discount nationwide and 100% cash back guarantee
Mutual Safes: 5% discount
Security Guard: we will assist you with the arrangements of placing a security guard at your place of residence within 24-hours of a burglary (costs will be for your account – terms & conditions apply)


BABY & KIDS:
Kiddiwinks: receive 8% discount on toys
Baby Products: receive up to 20% discount
Think Toys: receive up to 15% discount on selected educational toys
Lego: receive up to 15% discount
Educare: receive R50 discount off courses and placements
Kids Bedrooms: receive 5% discount on children's furniture
Kindersafe: receive 15% discount on all products purchased on the Kindersafe website
Smart Mom: receive a 10% discount on all products purchased on the Dream Bag website.


MASTERCARD SOLUTION
The Global Choices Rewards solution provides a wealth of choice for incentivizing and rewarding groups of customers or staff to influence their behavior. Reward loyal customers and increase brand awareness by providing each individual with your own company branded MasterCard. In the loyalty or club environment, the branded MasterCard replaces the standard “membership” card to allow businesses and brands the ability to provided added value to their members without printing additional marketing material, or sourcing products or purchasing vouchers and couriering them. Purchases can be tracked and points allocated, upfront discounts can be provided or added value in rebates can be placed back on the card for shopping at the specified retailers.

Global Choices MasterCard solution can provide the following:
  • Accumulate points on a card for certain behavior
  • Decide where customers are able to redeem their points
  • Populate a database with customer information (Know Thy Customer)
  • Track the amount spent per customer card
  • Monitor consumer behavior
  • Obtain points balances for cards
  • Draw detailed daily or monthly summary reports on card activities (e.g. loads, redemptions) for reconciliation purposes
Global Choices offers the following solutions for incentives and rewards:
  • Branded MasterCard
  • SMS Vouchers
  • E-mail Vouchers
  • Discounted Online Shopping
  • Travel
  • Events
  • Specific Products to suit a target market


MASTERCARD SOLUTION
The Branded MasterCard Insurance Card
The Co-Branded MasterCard Insurance Card provides all the convenience of cash on a stored value card providing the functionality of closed loop partner card while allowing the payment process of a pin protected debit card.
The Etana Insurance Card allows clients to replace goods at insurer-approved outlets to ensure the quality of the insurance replacement goods while maintaining claims relationships and partnerships.

The Etana Insurance Card is MasterCard branded, but it is filtered so that it can only be used at retailers as approved for the specific claim. Retailers receive funds through the normal banking network so there is no possibility of bad debts or account administration. Clients will receive their cards within two days of submitting a claim and can replace goods when it suits them best as money is “banked” on the card.

The card can be sent immediately the claim is lodged and the funds only approved once the claim process has been concluded. This allows for “same day” claims settlement if the client has already has the card in their possession. The funds will only be loaded on the card once the client requests the funds (to protect against “lost cards” and misused funds) and the claims process is complete.

Card balances can be checked via our call centre, SMS or the web.

Global Choices Rewards Reporting
Global Choices provides full funds allocation to each card and a redemption report detailing where each card was used and what value was redeemed on which date.

Global Choices Rewards Reporting
Overall values and statistics are provided on a monthly basis providing summary insight into the campaign activity
Detailed monthly Account statements and Account Reconciliation
Detail Card Statements
Global Choices provides detailed card statements per card per month.
Detail Card Statements
Overall Account Transaction Statements
Global Choices provides detailed monthly Account statements and Account Reconciliation

Detailed monthly Account statements and Account Reconciliation
Rewards Reporting Summary
Detailed rewards campaign reporting can be provided to suit each individual Client. The final reporting details can be discussed and customized to ensure it meets your business needs.
Terms and Conditions