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Commuting Journey Policy

The Commuting Journey Policy (CJP) provides comprehensive protection for employees, covering them in the event of death or disablement caused by accidents during their commute. This includes traveling:

Between home and work.
Between work and home.
To other authorized destinations, such as attending a colleague’s funeral or memorial service.

Accidents during commuting are not covered under COIDA. However, the CJP ensures financial security by offering pension payments, covering medical expenses, and supporting recovery and return to work.

Why Choose the Commuting Journey Policy?

The CJP acts as stand-alone additional cover, addressing events not included in COIDA or the Augmentation Policy.

General policy information

Employer Eligibility

All Employers who are registered in South Africa 3.2 Employee Eligibility:
All Employees between the ages of 18 and 65. The employee must not be an illegal immigrant.

Effective date:

It’s a 12 months policy and the start date of the policy is the 1st of the following month from the date of policy acceptance.

Cover start date:

The cover starts on the effective date except for Employees who will be appointed at a later date. If an employee is appointed at a later date the cover will start on the date that he starts employment or on a date determined by RMA at its sole discretion which may not be later than 14 days from the date that the Employer starts employment provided that this policy is in force at the time.

Insured Event – means the Death or Disablement of an Employee arising out of the occurrence of an accident that occurs while the Employee is Journeying between Home and Work or Journeying between work or home and any other work authorised destination including attending a Funeral or Memorial Service of a colleague.

Benefits:

Death
Temporary Total Disablement (TTD)
Temporary Partial Disablement (TPD)
Permanent Disablement (PD)
Medical Expenses

Policy Rules:

Absence from the Republic of South Africa: If the Employee is outside South Africa for a continuous period of 12 months or more the cover will cease.
Amendments: RMA will at all times be entitled to amend any provision of the policy by sending 14 days written notice to the Employer.
Applicable Law: The policy is to be governed, interpreted and implemented in accordance with the applicable laws of the Republic of South Africa.
Benefit review: RMA is entitled, but not obliged, to increase the Benefits payable in terms of the Group Policy. Any such increase will be at RMA sole discretion.
Cash/surrenders values: Policy does not accumulate cash or surrender value.
Cessions and delegation: No party may cede any or all of the rights or delegate any of the party’s obligations under CJP without the prior written consent of the other party
Currency: ZAR (SA Currency).
Material changes: The Employer must inform RMA of any changes that affect the risk within 30 days of such changes. RMA may reduce or cancel CJP or change the premium. RMA will give the Employer a 20days written notice.