St.J Lifestyle
Frequently Asked Questions (FAQ)
​How does the Life/ Funeral Cover strengthen community bonds?
By offering these services, the Life Cover fosters deeper connections among church members, encouraging a sense of shared care and responsibility. It ensures that everyone feels supported, especially during challenging times, thereby building a stronger and more caring community.
Who is eligible to participate in the Life/ Funeral Cover?
All active members of St. John's Apostolic Church are eligible to participate in the Life/ Funeral Cover. If you're a member in good standing, you're automatically eligible to benefit from the services and support offered.
What types of support are included in the Life/ Funeral Cover?
The Life/ Funeral Cover provides a range of benefits, including:
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Financial Support: Assistance during times of need, such as accident cover and funeral expenses.
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Emotional Support: Access to counselling services and community connections, including the Trauma Support Line.
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Wellness Support: Resources like discounted groceries, airtime discounts, and the St. J Wellness App to promote your physical and mental well-being.
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What is the Life/ Funeral Cover all about?
The Life/ Funeral Cover is exclusively for St. John's Apostolic Church members and is designed to provide holistic support, placing the church at the heart of caring for its members. It offers financial, emotional, and wellness support during both joyful and challenging times, ensuring that members are cared for in all aspects of their lives.
​How does the Life/ Funeral Cover strengthen community bonds?
The Life/ Funeral Cover is exclusively available to members of the church and is part of the church’s mission to care for its community. Most benefits are provided at no cost to members, though certain services may require a nominal fee depending on the type of assistance.
How can I access support when I need it?
You can reach out to the church office or a designated Life/ Funeral Cover coordinator to inquire about specific services. Support is available through various means, including in-person meetings, phone calls, or online resources like the St. J Wellness App.
What lifestyle benefits are included in the Life/ Funeral Cover?
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The Life/ Funeral Cover includes the following comprehensive lifestyle benefits:
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Discounted Groceries: Helping members afford groceries and essential items, with up to R1200 in savings per month at participating stores like Shoprite, Checkers, and Checkers Hyper
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Accident Cover: Providing financial aid during unexpected events like accidents, covering expenses like medical treatment and hospital stays.
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Funeral Cover with Cash Benefits and Repatriation: Ensuring members receive financial support during a loss, covering funeral expenses and repatriation if necessary.
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Trauma Support Line: A dedicated line that offers emotional healing and resilience support, including bereavement counselling and trauma recovery.
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Airtime Discounts: Providing discounts of 5%-20% off airtime purchases through our partner network, helping families stay connected.
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How does the discounted groceries benefit work?
The discounted groceries benefit allows you to save up to R1200 per month on essential groceries. Members can redeem discounts at Shoprite, Checkers, and Checkers Hyper, making everyday essentials more affordable.
Can you explain the funeral cover with cash benefits and repatriation?
In the unfortunate event of a loss, the funeral cover offers cash benefits to help cover funeral expenses. Additionally, the repatriation service ensures that if a member passes away from home, their body can be transported to their preferred location, easing the burden on the family.
How do Airtime Discounts work
The Life/ Funeral Cover offers 5%-20% off airtime purchases through specific mobile network providers. This discount helps you stay connected with family, friends, and the community at a more affordable rate.
What does accident cover entail?
Accident cover provides financial assistance for unexpected accidents. It covers medical expenses, hospital stays, and other unforeseen costs related to accidents, giving you peace of mind during a crisis.
. What is the Trauma Support Line and how does it work
The Trauma Support Line provides 24/7 emotional support for those who have experienced personal loss or trauma. This service includes bereavement counselling and other therapeutic support to help members cope with grief, trauma, or emotional distress. It is available confidentially through our call center.
Are there limits to how often I can use these benefits
Each benefit has its own specific terms. For example, discounted groceries can be used regularly, while accident cover and funeral benefits are typically used during specific emergencies or events. Contact the Life Cover coordinator for full details on each benefit’s usage guidelines.
Can I nominate a family member for support if they are in need
Yes, you can nominate a close family member to receive support through the Life/ funeral Cover, especially in cases like accident cover or funeral assistance. This ensures that not just you, but also your immediate family members, can receive the help they need during difficult times.
Is there any cost for these benefits
The benefits are available at no additional cost beyond your regular membership with the church. These benefits are part of the church's ongoing mission to care for its community, and they are designed to be accessible to all members.
How do I access these benefits
To access these benefits, ensure you are an active member of St. John’s Apostolic Church. Upon registration, you'll receive detailed instructions on how to redeem discounts, apply for support, and access various services. You can also reach out to the church office for more information
Can I rely on the Life/ Funeral Cover during a personal crisis?
Absolutely. The Life Cover is designed to provide immediate support during personal crises, whether they involve financial hardship, emotional distress, or health challenges. The church is committed to walking alongside you during these difficult times.
Is there a specific process to apply for support?
Yes, the process involves filling out a request form (either online or in person) and scheduling a brief consultation to determine your needs. Our team will assist you in ensuring that you receive the appropriate support and benefits.
Will my privacy be protected when I seek help?
Yes, your privacy and confidentiality are very important. All personal and sensitive information shared with the Life Cover will be kept confidential, in line with the church’s privacy policies.
How can I contribute or get involved in supporting this initiative?
We encourage members to volunteer their time, talents, and resources to help others in the community. Speak with the Life Cover coordinator or church leaders to learn more about opportunities to get involved.
How do I choose between the Silver, Gold, and Platinum plans
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Silver Plan: Best for individuals who want essential benefits with full funeral coverage at the most affordable rate.
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Gold Plan: Suitable for those who want a higher level of support, including extended coverage for a spouse or family.
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Platinum Plan: The most comprehensive plan, offering extensive coverage for individuals and their entire family, along with premium benefits and support.
Can I upgrade or downgrade my plan later?
Yes, members have the option to upgrade or downgrade their plan based on changing needs. To make any changes to your plan, you can contact the church office or program coordinator.
What are the different plan upgrade options for ST. J Lifestyle?
We offer several plan tiers to cater to the varying needs of our members. Each plan includes all the lifestyle benefits, along with funeral coverage. Here are the available options:
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Silver ST. J Lifestyle
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Self
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Self + Spouse
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Self + Family
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Cost: R10,000 annually
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Gold ST. J Lifestyle
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Self
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Self + Spouse
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Self + Family
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Cost: R15,000 annually
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Platinum ST. J Lifestyle
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Self
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Self + Spouse
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Self + Family
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Cost: R20,000 annually
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Each plan includes all lifestyle benefits like discounted groceries, accident cover, trauma support, airtime discounts, and funeral cover with cash benefits and repatriation.
What benefits are included in each plan?
All plans include the following lifestyle benefits:
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Discounted Groceries
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Accident Cover
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Funeral Cover with Cash Benefits and Repatriation
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Trauma Support Line
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Airtime Discounts
The difference between the plans is the level of coverage and additional services available, based on the selected plan (Self, Self + Spouse, or Self + Family).
Is there any waiting period before I can start using the benefits?
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There may be a short waiting period for certain benefits, such as funeral cover, but for most benefits like discounted groceries, accident cover, and trauma support, you can start accessing them immediately upon registration. Specific waiting periods, if any, will be outlined when you join the program.
How can I sign up for the ST. J Lifestyle plan?
To sign up for any of the ST. J Lifestyle plans, please visit the church office or reach out to the program coordinator. You can also inquire about the payment options and start your enrollment process.
Is the annual plan fee a one-time payment, or can it be paid in instalments?
The plan fee is typically paid annually. However, the church may offer flexible payment options, such as monthly instalments, depending on the arrangement with the church. Please contact the office to discuss payment flexibility.
Do the benefits change based on whether I select "Self," "Self + Spouse," or "Self + Family"?
Yes, the benefits extend to your spouse and family if you select the appropriate plan. For example:
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The Self option covers the individual member only.
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The Self + Spouse option covers the individual member and their spouse.
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The Self + Family option covers the individual member, their spouse, and their dependent children.
What is the Extended Member Benefit on Upgraded Plans?
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The Extended Member Benefit allows members to extend coverage to additional lives (family members or dependents) under their plan. This benefit can accommodate up to 22 lives per plan with aligned cover amounts, meaning that the cover amount for each member can be customized based on the number of members included in the plan.
How many lives can be included in the Extended Member Benefit?
You can extend your plan to cover up to 22 lives. The cover amount for each member will be aligned with the selected plan tier (Silver, Gold, or Platinum), ensuring that each member receives the appropriate level of coverage.
Can I transfer my plan to another person if I no longer need it?
Plans are generally non-transferable. If you need to cancel or transfer your plan, please contact the church office, and we’ll assist you with the necessary steps based on the circumstances.
What happens if I miss a payment for my plan?
If a payment is missed, your benefits may be temporarily suspended until payment is made. We recommend contacting the church office to discuss any issues regarding payments and find a solution that ensures your benefits are not interrupted.
How do I add extended members to my plan?
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You can add extended members to your plan by contacting the church office or program coordinator. The team will assist you in determining the cover amount and completing the necessary paperwork to add the members to your plan.
Is the coverage for extended members the same as for the primary member?
Yes, the coverage for extended members is aligned with the chosen plan tier (Silver, Gold, or Platinum). However, the exact cover amount may vary based on the selected cover options and the number of extended members added.
How is the pricing determined for extended members?
Pricing for extended members depends on two factors:
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Cover Amount: The selected cover amount for each member will impact the pricing.
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Age: The age of the extended members will influence the premium cost. Older members may have a slightly higher premium due to the increased risk.
The cost for extended members generally ranges from R5000 to R20,000, depending on the cover amount and the number of members included in the plan.
Can I choose a different cover amount for each extended member?
Yes, you have the flexibility to select different cover amounts for each extended member. This allows you to tailor the coverage to the needs of each family member or dependent.
What happens if I exceed the maximum number of lives (22) under the plan?
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The plan is limited to a maximum of 22 lives. If you need to cover more members, you will need to consider an additional plan or explore other options available with the church’s program coordinator.
Is the Extended Member Benefit available for all plan tiers (Silver, Gold, and Platinum)?
Yes, the Extended Member Benefit is available for all plan tiers (Silver, Gold, and Platinum). However, the pricing and cover amounts will vary based on the chosen plan tier and the number of extended members.
Are there any age restrictions for extended members?
Yes, the premium pricing for extended members is partly based on age. Older members may have a higher premium, but the plan is designed to provide coverage for family members of all ages, ensuring that everyone is supported.
Can I remove an extended member from my plan later on?
Yes, if circumstances change and you no longer wish to cover an extended member, you can remove them from your plan. Please contact the church office to make the necessary adjustments.
. What are the terms and conditions of the Funeral Cover?
What are the terms and conditions of the Funeral Cover?
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Waiting Periods:
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3-month waiting period for death due to natural causes.
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No waiting period for accidental death.
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12-month waiting period for death by suicide.
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Claims Payout: Claims will be processed and paid out within 48 hours after all necessary documentation is received and approved.
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Policy Lapse: The funeral cover will lapse after 2 consecutive missed premiums.
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Children Coverage: The policy covers up to 6 children.
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Maximum Entry Age: The maximum entry age for this cover is 65 years.
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Children Covered: Children are covered up to the age of 25.
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Repatriation Benefit (SADEC): The SADEC repatriation benefit premium is included in the final premium. This ensures that repatriation costs are covered within the Southern African Development Community (SADEC) region.
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Cooling-Off Period: There is a 31-day cooling-off period from the date of activation, during which you can cancel the policy and receive a full refund of premiums paid (less any claims made).
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Policy Activation: The policy is activated upon receipt of the first premium payment.
