Pnut Self-insure
Secure your future and protect what matters most with Pnut's self-insurance options. Whether it's for your health, property, or livelihood, we offer customizable insurance solutions to meet your unique needs. Our self-insurance options provide comprehensive coverage and peace of mind. Choose from a range of plans and add-ons to create a personalized insurance package that fits your lifestyle.
Our Health Insurance product ensures that you and your family have access to quality healthcare services when you need them. We offer comprehensive coverage that includes hospital stays, outpatient care, prescription drugs, and preventive services.
Benefits include:
- – Wide network of hospitals and clinics
- – Coverage for inpatient and outpatient services
- – Prescription drug coverage
- – Preventive care and wellness programs
Our Life Insurance product provides financial security for your loved ones in the event of your passing. This insurance helps cover expenses such as funeral costs, outstanding debts, and provides a financial cushion for your family’s future needs.
Features:
- – Term life insurance options
- – Whole life insurance policies
- – Flexible coverage amounts
- – Optional riders for additional protection
Morena: This represents financial security and peace of mind, ensuring that your loved ones are well taken care of in your absence.
Nkokonono: Life insurance option tailored to fit individual needs, offering comprehensive coverage for the future.
Lehokela: Whole life insurance policies providing long-term benefits and financial stability for your family.
Our Agricultural Insurance product provides protection against crop losses, livestock diseases, and other risks that farmers may face. We understand the importance of agriculture to your livelihood, and our insurance solutions are tailored to meet the unique needs of farmers.
Key Coverage Areas:
- – Crop insurance for various types of crops
- – Livestock insurance against diseases and accidents
- – Farm equipment and infrastructure coverage
- – Income protection for farmers
Our Property Insurance product offers customized coverage for homes, businesses, and valuables. We understand that your property is one of your most valuable assets, and our insurance policies are designed to protect it against various risks.
Key Features:
- – Homeowners insurance for property and personal belongings
- – Commercial property insurance for businesses
- – Valuable items insurance for jewelry, art, and other high-value items
- – Liability protection for property owners
The Qhobosheane Social Fund is designed to combine financial empowerment with social responsibility. It provides three main investment products aimed at addressing socio-economic challenges, particularly for women and adolescents:
Poloko Capital Account
- – Features: Low barrier to entry with flexible contribution options, promoting financial inclusion.
- – Contributions: As little as M10.00 annually or monthly subscriptions starting at M100.00. Lump contributions from M500.00 are redeemable in 60 months with a 20% termination penalty if terminated prematurely.
- – Returns: Annual Percentage Yield (APY) ranges from 10% to 25%, depending on the amount invested.
- – Payment Methods: Bank deposits, Mokhatlo mpesa linked accounts, and Merchant accounts. No cash transactions are accepted.
Nthatuoa Endowment Account
- – Features: Encourages consistent saving habits and offers attractive returns.
- – Contributions: Minimum of M50.00 annually, with monthly options from M100.00 and lump sums from M1,000.00 redeemable after 36 months.
- – Returns: APY ranges from 9.5% to 18%.
- – Payment Methods: Bank deposits/transfers, Mokhatlo mpesa linked accounts, and Merchant accounts. Cash is not accepted.
Nneheng Return on Equity Sharing Account
- – Features: Profit-sharing model with community-focused investments.
- – Contributions: Minimum of M100.00 annually, with monthly options from M200.00 and lump sums from M1,200.00 redeemable after 60 months.
- – Returns: APY ranges from 10% to 15% with an optional profit-sharing benefit (60% to the member, 40% to PGC Academy).
- – Payment Methods: Bank deposits, Mokhatlo mpesa linked accounts, and Merchant accounts. No cash transactions are accepted.
The Qhobosheane Social Fund also promotes gender equality and sustainable social protection. A portion of its proceeds supports initiatives such as financial literacy and entrepreneurship training for women, educational opportunities for adolescent girls, community-based healthcare, legal aid, and counseling services, as well as advocacy for policy reforms protecting women's rights.