The Cash Back Plus package is exclusively available and only offered to clients of registered brokers and other financial services intermediaries of Auto & General. Its most prominent feature is a cash back bonus which rewards client loyalty and claims behaviour on the basis of refunding the first year’s payments (excluding commission and broker fees) after four years of continuous, uninterrupted, claim-free cover or 25% of the total premiums the client paid over the four-year period - whichever is the lesser.

The following value added products are included at no cost together with every Cash Back Plus package:

This HIV/RAPE support product provides the client and family members in the household with

• Blood tests
• Medical consultations and
• Treatment (anti-retroviral, prophylactic, STD preventative and the "Morning After Pill")

within the critical 72 hour window period after accidental exposure to a potential infection. These procedures greatly reduce the client's risk of becoming HIV-positive. Additional benefits for counselling and security improvements after rape related attacks are also included.

Please note: should the client select a policy without Cash Back Plus, Expo-sure will still be available as individual add-on at an additional cost of R8-90 per month.

In order to aid in making provision for the unexpected, but inevitable costs associated with death, this benefit offers:

• R5 000 cover for the short-term policyholder
• Claims settlement within 2 working days
• Cover for death as a result of HIV/AIDS related illness
• Only a 3 month waiting period, but
• Immediate cover if death is due to accidental causes