Frequently Asked Questions

Your monthly contributions are debited from your nominated bank account, on the date of the month which you selected, when completing your application. You will enjoy the cover, and access to the benefits, immediately upon receipt of your first contribution.

Family Cover allows for two (2) Adults - meaning you, your Spouse and up to three (3) Children. Any additional Children may be added to your policy, as per the prescribed contributions. Children may be your biological Children, Adoptive or Children for whom you are the Legal guardian.

For emergencies, you or your family member may initiate an alert call via the Emergivac Shariah Mobile App. Or you may call the Control room directly on 010 271 4786. For admin and customer service queries you may WhatsApp on 0833527860 or Call 010 745 7460 during office hours.

Yes. Every event will need to be logged with the EMERGIVAC Control Centre. You will be provided with a Case Number immediately. Benefits and services cannot be activated without a case number.

Yes, they will need to have your information on hand. Information can include one of the following: Member ID Number, EMERGIVAC Policy Number or Member mobile phone number.

You may contact our Client Service Centre on 010 745 7460, via SMS or WhatsApp on 083 352 7860 or via email [email protected]

Cover and Benefits are limited to within the Borders of South Africa.

There is nothing stopping you from joining EMERGIVAC Shariah in the event you are on another medical scheme. Your medical scheme will be the first point of contact to cover your costs. You will still need to obtain an EMERGIVAC Case number in the event you may need to claim any short-fall cover, up to your pre-selected cover limit.

This service is for added security for you and your family and is not limited to your home. You will have access to this service anywhere in the country, should you find yourself in a vulnerable position.

We will always endeavor to transport you to the closest private medical facility. This may also be determined by the circumstances whereby a member may require immediate medical care, in the shortest possible period. If a Public facility is the closest, the Member will be taken to this facility to be stabilized, before being transported to a private facility.

EMERGIVAC handles the payments directly to the relevant medical facility as per the relevant Cover Level and/or available funds. Any shortfall amounts will be for your account and will need to be paid directly by you to the medical facility or service provider.

No. A Member will only be airlifted from the scene of the incident, after being assessed by the relevant medical personnel and only if they fall within pre-determined, evidence-based, best practice medical criteria.

Should a Member pass away in excess of 180 km of their primary place of residence, arrangements will be made to repatriate the mortal remains to the primary residence.

This refers to an unexpected or unforeseen event, which results in physical injury. Examples of unforeseen events include a motor vehicle accident, injury during an armed robbery or a simple fall at home.

The Member will be responsible for any amount in excess of R5,000.

Benefits are limited to R10,000 per Annum, with a maximum of R5,000 per incident. You can have 2 incidents at R5,000 each or 4 incidents at R2,500. However, the maximum for a single incident will always be R5,000.

You will be evacuated to the nearest appropriate medical facility for immediate stabilization and treatment. If necessary and only if you are cleared by the attending doctor, will you be transferred to the closest private hospital to your location.

Where no private armed response company operates in such a location, the local police service will be notified. Your exact location and personal information will be shared with the police.

You can choose to fully fund the cover for your staff, you can co-fund the contribution or your staff can fully fund the contribution themselves via payroll deduction.

Yes. If all employees are covered on a compulsory basis, a discount will be applied to the contribution. All employees will still be regarded as individual participants however they benefit from the discounted group contribution.

The Activation Agency (Pty) Ltd is a wholly owned subsidiary of Shaik Investment Holdings (Pty) Ltd and the owner of the EMERGIVAC, EMERGIVAC Shariah and EMERGIVAC Essentials brands.

iConsult Africa (Pty) Ltd is a bespoke Islamic Finance and Business Advisory Firm focused on alternative financial solutions based on Islamic principles. iConsult Africa provide Shariah Advisory and Supervisory Services to Shaik Investment Holdings and The Activation Agency.

Clientèle Limited is a diversified financial services group, listed on the Johannesburg Stock Exchange and is one of South Africa’s leading direct distributors of financial service products. Clientèle Life Assurance Company Limited (Clientèle Life) is a public company subsidiary of Clientèle Limited.

Takaful is a voluntary cooperative arrangement contrary to the conventional sale exchange agreement. This mitigates the aspects of excessive uncertainty, gambling and interest. Insurance takes in premiums as a price (exchange) for protection against loss. Therefore, the policyholder loses the premium if this loss does not occur. Takaful organizes voluntary contributions as a mutual fund to cover participants’ loss and any surplus will be redistributed to
participants.

Takaful is based on principle of cooperation. The Arabic root word “Kafala” means mutual guarantee. In practice, it is an organised mutual cooperative pooling voluntary contributions into a fund. The fund manages the contributions to cover participants’ losses and enable benefit from any surplus.

Yes. It is underwritten by Clientèle Life, Licensed Life Insurer and Authorized Financial Services Provider.

Yes, returns are in the form of benefits structured in terms of the Takaful Agreement.

The Takaful Operator together with the Shariah Supervisory Board will determine specific benefits for the participants based on the surplus contributions available at the end of the period.