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Contact Details
Khen Grocery Scheme
Cell: 065 709 7900
Email: khengroceryscheme@gmail.com
Website: khengroup.co.za

Payment Option Bank
Name: FNB Account
Name: KCSS
Account Number: 63149453639
Brench Code: 250655
Account Type: Gold Business Account
Payment deadline 07 of each Month

Note: Reference should be the main member Name - A once off joining fee of R75.00 is payable immediately
We are here to help you. Choose a package that will suit your budget

Maximum entry age for the Principal Member is 84 years

Only 3 extended family members per policy,  an additional R40 will be charged after the 3 extended family members. 

All policies that include cow are from 0-64 years old. Additional charges will apply for 65-74 years.

Member and family members on group scheme of 6-12 month waiting period applies and age limit is 84 years

For individuals aged 75 to 84 years, a 12-month waiting period applies. Any new member who joins within this age bracket will contribute an additional R70 under the main group scheme. The scheme allows a maximum of two elderly members within this age category.
Grocery scheme lapses if two premiums missed and if reinstatement occur full waiting period as above apply
To claim please complete claim form that can be requested by calling Khen Grocery Scheme and submitting a claim as directed on claim form.

An addition of lives application form detailing out the new lives to be added must be submitted to Khen Grocery Scheme for processing.

Upon removal of a spouse the grocery scheme will convert to a single parent or individual or remain the same if spouse is replaced.

All Benefits will not be paid if death is directly or indirectly caused by or attributable to: Terrorism or war
(whether declared or not).
Radioactive contamination, whether directly or indirectly.
Suicide will not be covered during the first 2 (two) years of membership. Unnatural causes
of death will not be paid before finishing the waiting period

Cleaning and cooking, we provide cooking serving and cleaning only, this is an added service with a cost fee of
R100.00 per month. This option is available in Gauteng at a radius of less than 100 KM's, no equipment's included
Catering equipment's are available at a fee on quotation request

There is a 6 (six) month waiting period applicable to the Principal Member, Spouse, Eligible Children and
Extended Family Members under the age 75 years, 12 months from 75 years to 84 years, 24 Months waiting
period for suicide from the date of inception will be applicable.

Only one benefit option per group will be allowed where the Extended Family Member option has been
selected. The premium rate for principal and extended will differ as per age at entry.
In the event of electing a higher benefit from an existing Plan, the waiting periods above will apply to the
increased portion of the benefit, not to the current benefit enjoyed.

Premiums are payable by the main monthly in advance and at the Premium Rate as specified in the
Schedule.
Premiums are paid in advance and should be received before or on the 7th of every month, premiums
received after this date will be allocated to the following month.

After the first year of membership, a Grace Period of 1 (one) month will be allowed for the payment of
future premiums. The Plan will remain in force during the Grace Period.
If the arrear premium and the premium due for that month is not paid by the end of the Grace period,
the Plan will lapse and the 6 (six) month waiting period will apply on any reinstatement.

The main member has a 30 (thirty) day cooling off period from the date of joining the scheme to examine
the grocery scheme
Provided that no death or claim has taken place in this period, should the main member not to take up
the grocery scheme, she or he must inform Khen Grocery Scheme in writing of their intention not to
accept.
All premiums already paid shall be refunded, less the cost of any risk cover. (this excludes the joining
fee)

After the 30-day cooling off period has ended, the main member, Khen Grocery Scheme reserves the
right to cancel this grocery scheme at any time after giving the other party 3 (three) months written

notice of such intention.

Should a Principal Member cease to be a member of an existing fund, of which he / she has been a
member for at least 12 consecutive months, he / she has the option of applying for a similar individual
grocery scheme. This option must be exercised within 1 (one) month of ceasing to be a member prior to
retirement age.

In the event of a death, a Claim Notification Form must be requested from a Khen Grocery Scheme office
and submitted together with the relevant supporting documents. Failure to do so within the stipulated
notification period will result in the benefit being forfeited.

On dissolution of the Plan, all Khen Grocery Scheme liabilities towards the existing and any former
Principal Members and Dependents will cease as from the day of the last premium received or the date
of dissolution, whichever is the later.

The grocery scheme number will be sent to the main member upon receipt of the registration fee.

1. "Thank you for choosing Khen Grocery Scheme! We're committed to providing you with the best
products and services."
2. "Your loyalty means the world to us! We're grateful for customers like you who make our job a joy."
3. "We're here for you! If you have any questions or need assistance, don't hesitate to reach out."
4. "Stay tuned for exciting updates, promotions, and new products! We appreciate your
continued support."
5. "Your satisfaction is our top priority! We're dedicated to ensuring you have an exceptional
experience with Khen Grocery Scheme."

I declare to the best of my knowledge and belief that the particulars given above are true and correct. I
understand and agree that any willful misrepresentation in this application will
invalidate any benefit under this grocery scheme and that I undertake to abide by the terms and conditions
of the scheme. Khen Grocery Scheme shall not be liable for any amount until it has accepted this
application and first premium.