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Monday 07:00 - 18:00 Tuesday 07:00 - 18:00 Wednesday 07:00 - 18:00 Thursday 07:00 - 18:00 Friday 07:00 - 18:00

Clarity Employee Benefits

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Independent Experts | Employee Benefits & Yacht Crew Insurance
We’re fiercely independent, working with a range of providers to deliver tailored advice that fits your needs & budget.
-Employee Benefits Advisory
-Health Insurance for Yachties

31/10/2026

A real H-2A job doesn't cost you a recruitment fee.

US rules say employers and their agents may not take payment of any kind from you for the job, including through wage deductions or kickbacks (20 CFR 655.135).

South Africa's Employment Services Act says the same about charging work seekers.

Asked to pay for a farm job? Check before you send money.

Clarity Employee Benefits (Pty) Ltd is an authorised financial services provider (FSP 51007).

General information only, not financial advice.

30/10/2026

Cover is a promise in writing.
Read the writing.

Definitions decide claims. Find them before you need them.

Share it with someone renewing this month.

Clarity Employee Benefits (Pty) Ltd is an authorised financial services provider (FSP 51007).

General information only, not financial advice.

29/10/2026

Income protection pays out tax-free.

Since 1 March 2015, premiums are not tax-deductible, and the payout is tax-free.

Anyone quoting the old rule is out of date.

That changes how you size it: compare the benefit to your take-home pay, not your gross.

Benefits and limits vary by insurer and plan, check your policy schedule.

Clarity Employee Benefits (Pty) Ltd is an authorised financial services provider (FSP 51007).

General information only, not financial advice.

28/10/2026

Card-linked travel cover can depend on how you paid for the ticket.

One South African card policy we reviewed covers trips of up to 90 days, and only if the full return ticket was paid with the card.

Every bank sets its own terms. Read your card's wording before you fly.

Benefits and limits vary by insurer and plan, check your policy schedule.

Clarity Employee Benefits (Pty) Ltd is an authorised financial services provider (FSP 51007).

General information only, not financial advice.

27/10/2026

Going to work on a US farm? Your employer must give you four things:

1. Free housing.
2. Three meals a day, or a free kitchen.
3. Your travel repaid (in at the halfway mark, home when you finish).
4. Workers' comp for injuries from your work.

Health cover for life off the farm isn't on the list. That part is yours to arrange before you leave South Africa, and we can help.

Clarity Employee Benefits (Pty) Ltd is an authorised financial services provider (FSP 51007). General information only, not financial advice.

24/10/2026

Your medical aid's travel cover has a day 90.

Discovery Health Medical Scheme's emergency cover abroad lasts 90 days from departure. Up to R5 million per person per journey on most plans, USD 1 million on Executive. Not available on KeyCare.

After 90 days, or for non-emergency care, the scheme pays at South African rates at best.

Staying longer? You need cover built for living abroad. Other schemes set their own limits.

Benefits and limits vary by insurer and plan, check your policy schedule.

23/10/2026

Ask the awkward question now.
It costs less than the awkward claim later.

Pre-existing conditions. Area of cover. Claim deadlines.

Which one have you never asked about?

22/10/2026

Europe this December? The border now records your face and fingerprints.

The EU Entry/Exit System has been fully live since 10 April 2026.

You still need a Schengen visa. That visa still needs travel medical insurance of at least EUR 30,000, valid in every Schengen state.

And ETIAS? Not for South Africans. It is for visa-free travellers only.

Benefits and limits vary by insurer and plan, check your policy schedule.

21/10/2026

Your ENG1 says you can work. It won't pay a hospital bill.

It is a medical fitness certificate, valid for up to 2 years. That is all.

Treatment, evacuation and sick time need a separate health plan. If you are new to yachting, check you have one before your first trip.

Tag a green crew friend.

Benefits and limits vary by insurer and plan, check your policy schedule.

20/10/2026

Leaving your job? Your group life cover stays behind.

Some schemes let you convert it to your own policy.

On Sanlam's group schemes you have 60 days from leaving, with no medicals for the same or lower cover.

Other insurers set their own rules.

Ask HR for your scheme's conversion clause before your last day.

Benefits and limits vary by insurer and plan, check your policy schedule.

Address

Randburg

Opening Hours

Monday	07:00 - 18:00
Tuesday	07:00 - 18:00
Wednesday	07:00 - 18:00
Thursday	07:00 - 18:00
Friday	07:00 - 18:00

Telephone

+27645333670

Website

https://linktr.ee/claritybrokers

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