Asset Endowment

Employees Benefits

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As a business owner, offering enticing benefits for your employees could be the differentiating factor in ensuring the holistic well-being of your employees. Below are the five standard offerings we cover. Should you require custom packages for your employees, our experienced insurance specialists would be happy to assist you!


Pension funds are investment pools that pay for workers retirements. Funds are paid for by either employee, employers, or both. There are two types of pension funds. The first, the defined benefit pension fund, is what most people think of when they say “pensions.” The retiree receives the same guaranteed amount. The second, the defined contribution plan, where the payout depends on how well the fund does.

Provident Fund

A provident fund is the same as a pension fund, but differs in that when you resign or retire, you can take the entire sum as cash, which you’ll be taxed on. You don’t need to purchase an annuity.

Group Medical

Medical aid in South Africa provides financial cover for medical expenses for members who pay a monthly contribution for this cover. These contributions are paid to medical aid schemes and are pooled and safeguarded.

These schemes are operated on a not-for-profit basis. Medical aid covers members’ healthcare costs such as hospitalization, treatments, and medicine. These costs are covered according to the rules of the medical scheme and the member’s medical aid plan type. These rules ensure that members are fairly cared for. At Mont Blanc, we are able to secure a group medical aid rate for all your staff members.

Medical Insurance

Medical insurance products were introduced as a more affordable alternative. These products are governed either by, short-term or long-term law, and not by medical aid regulations. They, therefore, do not have to include the prescribed set of minimum benefits and can impose different waiting-period criteria, as well as a maximum entry age limit.

To keep these products affordable, they are mostly focused on out-of-hospital primary-care expenses such as general practitioner consultations, prescribed medication, basic dentistry and some optometry cover. These benefits are subject to strict network-provider rules. A defined limit for emergency hospitalization stabilization or illness might be included, but this has an impact on the price of the product.

Group RA

Individual unit trust-based retirement annuities are managed on a group basis, with minimal administration requirements for you, while your employees get all the benefits of having their own retirement annuity, including tax advantages, control of their investment choices, flexibility, and portability.