Monarch Finance Group
The care plans, what they actually pay, and every course and product — for presenting to the graduates and pitching to a church.
The only difference between them is the funeral cover. Everything further down is identical on all three.
A member is buying one plan, not a list of products. The hospital cover, the nurse visit, the emergency service and the grocery discounts come inside the plan — they are not separate things to be sold or priced.
Identical on Basic, Standard and Premium.
| Benefit | What it pays | Pre-auth |
|---|---|---|
| In-Hospital Accident Benefit | Up to R475 000 per member per event, max R1 500 000 per policy per year Covers medical expenses related to an accident. |
Required |
| In-Hospital Illness Benefit | R70 000 per member per event, max R500 000 per policy per year Covers hospital expenses for an illness that doesn't have a gradual progression. |
Required |
| Casualty Benefit (Accident) | R30 000 per policy per year Treatment in a hospital casualty room for accident-related events. Accumulates to the initial event and the overall accident cover. |
Required |
| Post-Hospital Accident Rehabilitation | R10 000 per member per event After hospital treatment of an accident: physiotherapy, occupational therapy, home care or wound care. |
Required |
| Accidental Death Benefit | Main member R15 000 · adult dependant R10 000 · child dependant R8 000 A lump sum on the death of an insured member owing to an accident. |
— |
| Nurse visit once per month | — | — |
| 24-hour emergency service | — | — |
| Free repatriation within SA | — | — |
| Grocery discounts | — At Pick n Pay, Checkers and Shoprite. |
— |
| Private hospital care access | — On the official application form; not repeated on the July 2026 brochure. |
— |
Every benefit marked Required must be pre-authorised. A family who goes to hospital without phoning first can be left with the bill, and that is the sentence worth repeating in the room.
The same four areas on each side. Only the education changes — everything below it is identical for a pastor and for a member.
| Pension Fund | Price not set |
|---|---|
| Provident Fund | Price not set |
| Life Cover | Price not set |
| Funeral Cover | Price not set |
| Banking | Price not set |
| Salary Protection | Price not set |
| Medical Aid (Private Health Care) | Price not set |
|---|---|
| Day-to-Day Doctor Visit | Price not set |
| Private Hospital Care Access | In the plan |
| In-Hospital Illness Benefit | In the plan |
| Casualty Benefit (Accident) | In the plan |
| In-Hospital Accident Benefit | In the plan |
| Post-Hospital Rehab | In the plan |
| 24-Hour Emergency Services | In the plan |
| Family Nurse Visit (1 / month) | In the plan |
| Free SA Repatriation | In the plan |
| Accidental Death Cover (R15 000) | In the plan |
| Retail Grocery Discounts | In the plan |
|---|---|
| Bread Discounts | No monthly cost |
| Wifi | No monthly cost |
| Hairdressing & Beauty Discounts | No monthly cost |
| Credit Installment Discounts | Price not set |
| Credit Life Insurance | Price not set |
| Debt Review | Price not set |
| Pension Fund | Price not set |
|---|---|
| Provident Fund | Price not set |
| Life Cover | Price not set |
| Funeral Cover | Price not set |
| Banking | Price not set |
| Salary Protection | Price not set |
| Medical Aid (Private Health Care) | Price not set |
|---|---|
| Day-to-Day Doctor Visit | Price not set |
| Private Hospital Care Access | In the plan |
| In-Hospital Illness Benefit | In the plan |
| Casualty Benefit (Accident) | In the plan |
| In-Hospital Accident Benefit | In the plan |
| Post-Hospital Rehab | In the plan |
| 24-Hour Emergency Services | In the plan |
| Family Nurse Visit (1 / month) | In the plan |
| Free SA Repatriation | In the plan |
| Accidental Death Cover (R15 000) | In the plan |
| Retail Grocery Discounts | In the plan |
|---|---|
| Bread Discounts | No monthly cost |
| Wifi | No monthly cost |
| Hairdressing & Beauty Discounts | No monthly cost |
| Credit Installment Discounts | Price not set |
| Credit Life Insurance | Price not set |
| Debt Review | Price not set |
Monarch has never supplied figures for financial inclusion — those products appear on the brochure but on no document that carries a price. Until Mr Mnguni gives them, they can be discussed but not sold, and no number should be said in a church.
No course carries a monthly premium, on either side. A pastor’s track is Kgotlello’s to assign; a student chooses their own core skill on their Destiny application.