At PBA brokers we are able to cover all our client’s Risk needs, there are only 2 companies in the industry that offer the correct loss of licence cover for commercial pilots and the newest technology is illustrated below, if you require any assistance or are looking for peace of mind should you be sick and unable to fly, please contact PBA for assistance. BrightRock offers Loss of Licence cover:

Discovery has launched two new additions to the Vitality health programme, which have been designed specifically for you. Vitality Move and Vitality Active. Ready. Set. Move. Did you know that members on a Discovery Health Medical Scheme can join Vitality Move for FREE? Once you have joined, you can stand the chance to win back the HealthyFood portion of your shopping spend every time you swipe your Smart Shopper card at Pick n Pay. You can also win back your full shopping ba

Discovery Health Medical Scheme provides members with comprehensive benefits for treatment of cancer through its Oncology Benefit. The Oncology Benefit provides members that are diagnosed with cancer with treatment options beyond Prescribed Minimum Benefits, including treatment plans that prescribe biologics. In 2016, Discovery Health Medical Scheme funded the treatment of more than 38 000 members that have been diagnosed with cancer, at a total cost to the Scheme of nearly R

Gap Cover The National Treasury announced an increase on Value Added Tax (VAT) from 14% to 15% which comes into effect on the 1st of April 2018 and, as Gap cover premiums are subject to VAT, all clients' premiums will be affected by this change. The VAT increase and new premium payable will be communicated to all clients via sms during the course of this week. Please also note that applications for cover will also be updated accordingly. Medical Aid Premiums The vat increase

It may sound obvious, but before you do anything else, make sure you have comprehensive car insurance and home insurance in place. Although the first two items on the list below can be done the minute before you leave, the rest of the items on this list cannot be left until the last minute. It is always advised to inform your broker in advance of any items you might be taking with you on holiday that do not normally leave the safety of your home, to be specified on your pol

Without something to insure, insurance is pointless. That should be a no-brainer. So what exactly does one insure? It’s not as silly a question as it seems. You can’t insure just anything and expect to recover a claim from it. This is why no auto insurance company will cover the Junker rusting away in your front yard which doesn’t even run. The insured must also have a tangible interest in the entity insured. This is why you can insure your own car and place your spouse and c

The latest news regarding the water crisis indicates that Day Zero for Cape Town has been pushed back to 4 June 2018. However, current water restrictions in Cape Town are still set at using 50 litres or less per person per day. In addition, the Northern Cape, Western Cape and Eastern Cape have all been declared provincial disasters with the government declaring the drought affecting the southern and western areas of South Africa a national disaster. Bonitas Medical Fund ha

BrightRock offers some great, new technology which is incorporated into your products. Many of these benefits you may have forgotten about - Here is an example of a claim where the client had both the income protection benefits and the childcare needs, at a moment when a young family were faced with their sick new born baby. Not only did they get a portion of their dread paid out to assist with expensive medical bills, but in addition they also received 3 months temporary inc

Only life and capital disability can be an approved benefit. The policy is owned by the fund. The Employer pays the premium to the fund administrator who in turns pays it to the insurer. Approved by SARS. EMPLOYERS Tax on premiums paid for Approved Risk Benefits All premiums paid by the employer for fund benefits can be claimed as an expense when the employer submits their annual tax returns. Tax on benefits paid for Approved Risk Benefits No tax implications. EMPLOYEES Tax o