Commuting Journeys Policy (CJP)


CJP enhances Employee protection by providing cover in the event that an employee dies or becomes disabled as a result of an accidental injury which occurred while:

  • Journeys between home and work on a reasonable direct route
  • Travels to and from company sanctioned events such as Sports, Memorial Services and Funerals. Cover is for all modes of transport including own and rented.

Benefits payable are as per COID

Full medical expenses

All medical expenses related to the injury are paid at 100% of the medical tariff for up to two years. Medical facilities covered include private hospitals, consultations, rehabilitation, surgical procedures etc.

Temporary Total Disablement (Days Off)

Temporary income replacement benefit or days off benefit for days off work while the employee is injured, or while recovering from a work-related injury. The employee is paid 75% of their salary during their days off due to injury.

Permanent Disablement

There are two ways in which the employee is compensated for permanent disablement:

  • Lump sum payment – for disablement assessed between 1 – 30%
  • Monthly pension – for disablement assessed to be greater than 30%. Monthly pension paid out is a portion of the employee’s earnings at the time of the accident

Death Benefits

If the employee dies as a result of their injury, these benefits will be paid out to their beneficiaries

  • Once-off lump sum payment to the spouse/s;
  • Monthly pension to the spouse;
  • Monthly pension to the children: Payable until the age of 18 years unless the child is studying in which case an extension must be applied for
  • Once-off funeral benefit

If the injury or death is a result of a motor vehicle accident where a third party is directly liable for damages, we will recover both the general and specific damages from the Road Accident Fund on behalf of your employee.

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