Keep your team's premiums in your team's pocket
A community-based alternative to group insurance. Your team's contributions stay in a transparent shared reserve — paid out when colleagues need support, and returned as bonuses when they don't.
Think about it
If you never claim, every rand of premium you've ever paid is gone for good.
Traditional premiums leave your organisation forever — funding insurer overhead, broker commissions, and other people's claims. CommuniFi keeps contributions inside your community: funds are only ever paid out to support members, and what isn't needed is invested and returned as wellness bonuses.
See where the money goesWhere does your R1,000 in premiums actually go?
A member with few claims gets back only a fraction of what they pay. CommuniFi is built to fix exactly that.
The breakdowns below are an illustrative model of a low-claims member's outcome under our current assumptions — not audited industry figures. We are validating them through shadow runs on real company data.
For every R1,000 paid in premiums
In this illustration, only R100 finds its way back to a low-claims member — and none of the pool's growth does.
For every R1,000 contributed
In the same illustration, over R700 finds its way back to that member — plus a share of the investment growth on reserves. Learn more about investment growth
Why the CommuniFi model wins over the long term
Four structural advantages that compound in your favour — not the insurer's.
A culture where doing the right thing pays
CommuniFi is designed for communities that behave like a well-run, high-trust company. People act responsibly, look out for one another, and don’t assume someone else will quietly pick up the bill for avoidable risks. When members share these values, claims stay fair and the value created by the pool flows back to its members.
100% of fund and investment growth stays in the community
All investment returns on reserve funds are distributed back to members. Additionally all funds stay in the community and are only ever paid out in the form of community wellness bonuses, or support requests of community members.
One flat SaaS fee. No hidden overhead.
No brokers, no marketing budgets, no opaque corporate structure. A lean SaaS platform fee of 5% replaces the broker commissions, marketing spend, and corporate overhead that consume a large share of every traditional premium.
Runs alongside traditional insurance — every member chooses
CommuniFi doesn't ask anyone to give up cover that suits them. It runs alongside traditional insurance, and each member chooses the mix that fits their own situation and risk appetite. Because members are trusted colleagues rather than strangers, claims stay honest — and more capital is returned to the community.
How CommuniFi Works
A simple, transparent model that puts your community first.
Contribute
Each member contributes a portion of their CTC into shared community reserves. Rates are transparent and adjustable.
Community Reserve
Funds are pooled into product-specific reserves managed with clear policies. No money leaves your organisation.
Money Back
All money is distributed back as Community Wellness Bonuses or support requests of community members. The only fee that is ever charged is the fixed 5% SaaS platform fee.
Why Choose CommuniFi
A better model for employee financial wellness.
Keep More Capital
Traditional insurance premiums leave your organisation forever. With CommuniFi, unused contributions stay in your community and return as bonuses.
Community Support
When life events happen, your community responds with principled, discretionary grants. Real support from real people, not faceless claims departments.
Transparent & Fair
Every policy, payout range, and reserve balance is visible to members. No hidden clauses, no fine print. Trust through transparency.
Data-Driven Decisions
AI-assisted support reviews, shadow run analysis, and real-time reserve monitoring help your community make smarter, fairer decisions.
Ready to build a better benefits model?
Start with a free, no-obligation shadow run against your current insurance spend — a report showing what your team's last few years would have looked like under the CommuniFi model.