Back
 
Home
For Me
& My Family
For My Business
Corporates + Public Sector
Private
Calculators
Rates + Pricing
About FNB + Legal
Contact Us + Tools
Careers at FNB

Close

Close

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Close

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Close

Close

Daily Banking

Close

Tools

Register Forgot Username or Password Verify payments

Close

Menu

Bank Family & Life stage solutions Events & Services Bank better

Switch to FNB

Product Shop

Financial Solutions

Bank Invest Borrow Insure Connect

Ways to bank

Digital Banking Branch, ATMs + Telephone Banking + @Till Banking Digital Payment Solutions nav»

Invest abroad

Global Solutions

Financial planning

Overview Personal goals Child's education Emergencies Tax free Estate + legacy planning Employee Benefits

Forex

Foreign exchange solutions

eBucks Rewards

eBucks Rewards SLOW

Switch to FNB

Product Shop

Lifestyles

Family Banking Youth accounts FNB EasyPlan Islamic banking Premier Medical Professionals Premier Select Over 55s Encore - Over 55s Retirement

Switch to FNB

Product Shop

Events

Events

Services

DebiCheck and Debit Order Balance Alert Limit Alert Soccer six Switching Services inContact Payments and Debit Orders Account Closure Guide

Switch to FNB

Product Shop

Bank better

Learn about banking FNB App guides

Close

Switch to FNB Business

Product shop

By Turnover

First Business Zero (R0 - R5 million p.a) Gold Business (R0 - R5 million p.a) Platinum Business (R5 million - R60 million p.a) Enterprise Business (R60 million - R150 million+ p.a)

Transact

Business Accounts Credit Cards Cash Solutions Merchant Services eWallet Pro Staffing Solutions ATM Solutions Ways to bank Fleet Services Guarantees

Savings and Investments

Save and Invest 3PIM (3rd Party Investment Manager)

Borrow

FNB Cash Advance Overdraft Loans Debtor Finance Leveraged Finance Private Equity Securities Based Lending Selective Invoice Discounting Asset Based Finance Alternative Energy Solutions Commercial Property Finance Fleet Services

Insure

Insurance

For my employees

Staffing Solutions Employee benefits

Forex + Trade

Foreign Exchange Imports and exports Structured Trade + Commodity Finance Business Global Account (CFC account)

Value Adds + Rewards

Connect my business the dti initiatives Enterprise and supplier development Business Hub eBucks Rewards for Business DocTrail™ CIPC Integration Channel Instant Accounting Solutions Instant Payroll Instant Cashflow Instant Invoicing SLOW 24/7 Business Desk FNB Business Fundaba nav» Marketplace Prepaid products Accounting integrations

Industry Expertise

Philanthropy Chinese Business Islamic Banking Agriculture Public Sector Education Healthcare Franchise Motor Dealership Tourism

Going Global

Global Commercial Banking

Financial Planning

Overview

Bank Better

KYC / FICA Debit order + recipient switching Electronic Alerts

Close

Corporates + Public Sector

Corporate Public Sector

Close

Home Loans

Affordability Bond Calculator

Day to day banking

Budget Future Value Credit Cards

Shares

Share Investor

Vehicle Finance

Vehicle Repayment Vehicle Purchase Price

Close

Product Rates

Save and Invest Transactional Savings Legal Practitioners and General Trust Account Global Accounts

Pricing Guide

Overview

Rates

Foreign Exchange Rates Lending Rates

Indicators and Share Price

SA Indicators

Close

News + Insights

Press Office Economics commentary Insights Business Hub

Close

Terms + Conditions

Product Terms and Conditions Promotions Terms and Conditions Legal Matters

About Us

World of FNB

News + Insights

Press Office Economics commentary Insights Business Hub

FNB Subsidiaries

Botswana Lesotho Ghana Namibia Swaziland Zambia Channel Islands

Close

Talk to us + important numbers

Contact us

Fraud + Disputes

Security Centre

Locators

ATM Locator Branch Locator/Book a Branch Visit eWallet GEO Locator

Tools

Switching Services Track and Trace Lead Form Tracking Upload Documents - For Me Upload Documents - For My Business Reporting a death Software Downloads FNB Approved Suppliers FNB Prospective Suppliers Verify Guarantee Verify Statements Verify Payments Verify Account Confirmation/Visa Application Letters eWallet balance enquiry FML Managed Maintenance enquiry

Close

Careers at FNB

Find out more about careers at FNB Apply here

Close

Close

All savings + investment accounts

Cash deposits

Notice deposits Immediate access Access to a portion Fixed deposits

Share investing

Shares

Tax-free investing

Tax-free accounts

Funds/unit trusts

Ashburton specialised products

Invest abroad

Offshore products

I want to save for

Personal goals Child's education Emergencies Tax-free

Compare similar

Compare

Additional options

Show me all Help me chosse Find an advisor

Financial planning

Overview

Close

Building insurance

Protect your
home's value

Let us help you protect your home with cover that's more than just an insurance payout.

Be covered in any event

We cover the costs of repairing or replacing the physical building and permanent fixtures of your home. We also provide additional benefits to help you deal with the impact of damage or loss.

Natural events

Floods, wind, hail, lightning and earthquakes.

Fire

Explosions caused by natural events or incidents resulting in fire.

Water systems

Burst geysers and pressurised water pipes and damages caused from the event.

Power surges

Damage caused by surges and dips in the power supply.

Other loss and damage

Malicious damage, theft or damage to utility connections, fixed glass breakage and sanitary-ware.

Burglary

Loss/damage caused by burglary/theft after forcible/violent entry or exit of the property.

Protect your home

Receive help with 24/7 emergency home assistance at no additional cost and depending on the extent of the damage we also help:

  • Keep a roof over your head
  • Secure your property
  • Reinstate your garden
  • Ensure your safety
 

This policy will not cover damages due to lack of maintenance, wear and tear or gradual deterioration. It will not cover intentional damages, existing damage, a property that is of sub-standard quality or structures that have not been approved by the relevant municipality. Refer to the terms and conditions for more information.

Additional value for you

You are also covered for the following:

Personal liability up to R5 million

If you are held liable as the homeowner for injury, illness or accidental death to another person or damage to property, we will compensate you for up to R5 million.

Domestic employee's liability cover

If your domestic employees are accidentally injured or pass away as a result of employment at your home, we have you covered.

Accidental or intentional damage to your property

You are covered for any accidental or intentional damage to your property by a person or group of people, by SASRIA.

Earn eBucks Rewards

You can earn up to 15% back in eBucks on your monthly premiums.

1%

Level 1

2.5%

Level 2

5%

Level 3

7.5%

Level 4

15%

Level 5

This benefit is limited to a maximum monthly premium of R7 000.
eBucks earn is calculated on sum of all qualifying premiums.

 

Representative example of loan

Loan offer

Loan amount

R30 000

Loan term

24 months

Interest Rate p.a

18.00%

Repayment details

Monthly credit life insurance premium (where applicable)

R100

Monthly service fee

R69

Total monthly instalment

R1 796

Once-off initiation fee (where applicable)

R1 207.50

Total cost of credit

R41 445

 

Other ways to apply

Get in touch

087 736 7772

 

How it works

Medical schemes typically cover medical expenses at the full medical scheme rate (100%). Medical specialists can charge up to 500%, leaving you with a costly shortfall. To protect you and your family financially, we offer you cover that has a range of benefits.

 

Qualifying criteria

  • Be 18 years or older

  • Have a valid South African ID

  • Have a valid FNB bank account

  • All lives covered need to be on a medical scheme

 

Benefits and pricing

Affordable premiums that cover you, your spouse and up to three children.

Elite

Age of policyholder Family premium Additional dependant premium
<30 R415 R42
30-54 R475 R48
55-59 R575 R58
60-64 R690 R70
65+ R790 R80

Benefit summary

Medical Expense Shortfall Benefit Provides an additional *unlimited cover of the medical scheme rate, for shortfalls of service providers, less what is paid by the medical scheme.
Co-Payment Benefit Covers costs incurred when a medical scheme requires settlement before undergoing defined treatments.
Sub-Limit Covers the difference between the cost of treatment and what the medical scheme pays when your medical scheme applies a Rand-value limit. Pays up to a maximum of R50 000.
Non-network Pays the penalty for the voluntary use of a hospital that is not part of your Medical Scheme Hospital Network.
Casualty Benefit Provides a maximum of R20 000 cover per year, per Plan, for all services delivered in the casualty ward for conditions requiring immediate treatment, even if the costs are paid from the medical savings account.
Cancer benefits
Shortfall Provides an additional *unlimited cover of the medical scheme rate, for Oncology treatment shortfalls of service providers, less what is paid by the medical scheme.
Co-payment Covers the Co-Payment applied once related costs have exceeded the specific limits defined by the medical scheme for Oncology treatments. This is subject to a maximum Co-Payment of 25% of the costs of treatment.
Sub-limit Covers charges related to the services for Oncology treatment when the medical scheme benefit option applies a limit. This benefit is limited to a maximum of 25% of the charged amount, less the amount paid by the medical scheme.
    The plan will not pay out:

  • Any claim that the Medical Scheme has not paid a portion of, or has not contributed towards the costs

  • When all costs are paid by the medical scheme in full or where no shortfall exists

  • Claims where the Insured Persons failed to obtain authorisation as required by the medical scheme

  • Voluntary cosmetic surgery

Please note:
This Plan is not a medical scheme. The cover is not the same as that of a medical scheme nor is it a substitute for medical scheme membership. To enjoy cover, all the insured lives on your Plan must be members of your Medical Scheme.

*Subject to an overall annual statutory limit of R172 500. This may be reviewed annually to keep in line with inflation.
Children may be covered until they reach 26 years of age. Children over 21 must prove financial dependence. There is no age limit for a special needs child.

Waiting periods

Cause of claim Waiting period for the insured person/s
All causes other than accidents 3 months from the start date of cover
Specific pre-existing conditions including maternity 12 months from the start date of cover

 

Benefits and pricing

Affordable premiums that cover you, your spouse and up to three children.

Comprehensive

Age of policyholder Family premium Additional dependant premium
<30 R350 R35
30-54 R395 R40
55-59 R475 R50
60-64 R565 R57
65+ R645 R65

Benefit summary

Medical Expense Shortfall Benefit Provides an additional 500% cover of the medical scheme rate, for shortfalls of service providers, less what is paid by the medical scheme.
Co-Payment Benefit Covers costs incurred when a medical scheme requires settlement before undergoing defined treatments.
Sub-Limit Covers the difference between the cost of treatment and what the medical scheme pays when your medical scheme applies a Rand-value limit. Pays up to a maximum of R20 000.
Non-network Pays the penalty, up to R7 500 per year per policy, for the voluntary use of a hospital that is not part of your Medical Scheme Hospital Network.
Casualty Benefit Provides a maximum of R6 000 cover per year, per Plan, for all services delivered in the casualty ward for conditions requiring immediate treatment, even if the costs are paid from the medical savings account.
Cancer benefits
Shortfall Provides an additional 500% cover of the medical scheme rate, for Oncology treatment shortfalls of service providers, less what is paid by the medical scheme.
Co-payment Covers the Co-Payment applied once related costs have exceeded the specific limits defined by the medical scheme for Oncology treatments. This is subject to a maximum Co-Payment of 25% of the costs of treatment.
Sub-limit Covers charges related to the services for Oncology treatment when the medical scheme benefit option applies a limit. This benefit is limited to a maximum of 25% of the charged amount, less the amount paid by the medical scheme.
    The plan will not pay out:

  • Any claim that the Medical Scheme has not paid a portion of, or has not contributed towards the costs

  • When all costs are paid by the medical scheme in full or where no shortfall exists

  • Claims where the Insured Persons failed to obtain authorisation as required by the medical scheme

  • Voluntary cosmetic surgery

Please note:
This Plan is not a medical scheme. The cover is not the same as that of a medical scheme nor is it a substitute for medical scheme membership. To enjoy cover, all the insured lives on your Plan must be members of your Medical Scheme.

Children may be covered until they reach 26 years of age. Children over 21 must prove financial dependence. There is no age limit for a special needs child.

Waiting periods

Cause of claim Waiting period for the insured person/s
All causes other than accidents 3 months from the start date of cover
Specific pre-existing conditions including maternity 12 months from the start date of cover

 

Benefits and pricing

Affordable premiums that cover you, your spouse and up to three children.

Essential

Age of policyholder Family premium Additional dependant premium
<30 R240 R25
30-54 R265 R27
55-59 R308 R30
60-64 R365 R37
65+ R485 R50

Benefit summary

Medical Expense Shortfall Benefit Provides an additional 300% cover of the medical scheme rate, for shortfalls of service providers, less what is paid by the medical scheme.
Co-Payment Benefit Covers costs incurred when a medical scheme requires settlement before undergoing defined treatments.
Casualty Benefit Provides a maximum of R4 000 cover per year, per Plan, for all services delivered in the casualty ward for conditions requiring immediate treatment, even if the costs are paid from the medical savings account.
Cancer benefits
Shortfall Provides an additional 300% cover of the medical scheme rate, for Oncology treatment shortfalls of service providers, less what is paid by the medical scheme.
Co-payment Covers the Co-Payment applied once related costs have exceeded the specific limits defined by the medical scheme for Oncology treatments. This is subject to a maximum Co-Payment of 25% of the costs of treatment.
Sub-limit Covers charges related to the services for Oncology treatment when the medical scheme benefit option applies a limit. This benefit is limited to a maximum of 25% of the charged amount, less the amount paid by the medical scheme.
    The plan will not pay out:

  • Any claim that the Medical Scheme has not paid a portion of, or has not contributed towards the costs

  • When all costs are paid by the medical scheme in full or where no shortfall exists

  • Claims where the Insured Persons failed to obtain authorisation as required by the medical scheme

  • Voluntary cosmetic surgery

Please note:
This Plan is not a medical scheme. The cover is not the same as that of a medical scheme nor is it a substitute for medical scheme membership. To enjoy cover, all the insured lives on your Plan must be members of your Medical Scheme.

Children may be covered until they reach 26 years of age. Children over 21 must prove financial dependence. There is no age limit for a special needs child.

Waiting periods

Cause of claim Waiting period for the insured person/s
All causes other than accidents 3 months from the start date of cover
Specific pre-existing conditions including maternity 12 months from the start date of cover
First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).