info@opulentia.co.za
0861Opulentia
051 444 0880
Financial
Services
We provide a wide range of financial solutions, including insurance, wealth management, employee benefits, medical aid, estate planning, and risk management—tailored to protect your future and grow your wealth.
Why choose Opulentia
to secure your financial future or protect your business?
At Opulentia, we deliver personalised financial and risk management solutions for individuals and businesses. By partnering with leading insurers and financial planners, we offer tailored options, from short-term insurance to wealth management and employee benefits. Our holistic, tech-driven approach ensures cost-effective solutions and lasting partnerships for a secure future.
Individual Rating
Get competitive premiums based on your unique profile.
Industry-Leading Service
We are committed to delivering excellent service in every interaction with you, your employees, and intermediaries.
Effective Use of Technology
We manage our operations efficiently, driving cost-effectiveness for your business.
Expert advice
Our intermediary-driven model means we provide additional value by offering you expert advice.
Bonds
Opulentia offers tailored bond solutions to help you secure the home or property of your dreams. Whether you’re purchasing your first home, refinancing, or expanding your property portfolio, we guide you through the process with expert advice and competitive options. Our team works with trusted financial institutions to ensure you receive the best bond structure for your needs.
Financing the purchase of property
Employee Benefits
We provide a comprehensive range of employee benefits tailored for corporates, institutions, and small to medium-sized enterprises (SMMEs).
Our services include making healthcare, retirement, and risk benefits accessible to your staff, as well as assisting in the strategic investment of your business capital. These solutions can be offered individually or as a customised package to meet your specific needs.
With a diverse employer client base and extensive expertise in group benefits and corporate investments, we are well-positioned to deliver exceptional results. We partner with all major product and service providers, maintaining our independence with no exclusivity agreements. This enables us to offer best-in-class, bespoke solutions designed to empower your business and its employees.
workplace-provided perks
Estate & Trusts
Your last will is one of the most critical documents you’ll ever sign. It’s an essential component of estate planning, outlining how your assets should be managed and distributed after your death.
Your estate includes everything you own and owe—property, vehicles, investments, and debts. Proper estate planning ensures that your estate is structured in a tax-efficient way, benefiting you during your lifetime and protecting the interests of your beneficiaries after you pass away.
Beneficiary Funds & Employee Benefit Trusts
When a member of a pension or provident fund passes away, the fund’s trustees identify the legal beneficiaries of the death benefit pay-out. If any beneficiaries are minors (under 18) or adults with physical or mental challenges, their portion is allocated to a registered Beneficiary Fund to safeguard their interests and ensure proper management.
management and distribution of assets
Life Insurance
When we think of valuable assets, we often consider things like a house, car, jewellery, or antiques. However, your most valuable asset is your ability to earn an income. This income not only supports your lifestyle but also provides for your family’s needs.
Life insurance ensures that you and your loved ones are financially protected should anything happen to you. Opulentia’s Risk Cover solutions include life insurance, disability cover, and severe illness cover, offering peace of mind that you and your family will be taken care of, no matter the circumstances.
financial protection for your family
Medical Aid
Medical aid provides financial protection against unforeseen healthcare expenses, ensuring you have access to quality medical care when you need it most. Whether for hospitalisation, chronic conditions, or day-to-day medical needs, Opulentia offers tailored medical aid options to suit your lifestyle and budget.
Opulentia’s Medical Aid Options
- Hospital Plans – Cover in-hospital care, including surgical procedures and treatment for chronic conditions. However, out-of-hospital expenses such as doctor, optometrist, or dentist visits are not covered.
- Savings Plans – A combination of hospital cover, chronic condition cover and a savings component for day-to-day medical expenses, such as doctor consultations, medication, and dental visits. Any unused savings roll over to the next year.
- Network Plans – Cost-effective plans that require you to use a network of approved healthcare providers and hospitals. You can still consult any doctor, but hospitalisation must take place at a designated network hospital.
- Non-Network Plans – Allows you to use any private hospital without incurring penalties, while still covering doctor consultations both in and out of network. However, certain hospitals may be recommended to optimise costs.
- Capitation Plans – A budget-friendly option providing essential day-to-day healthcare benefits, including general practitioner visits, formulary-based medications, chronic condition cover, and basic medical treatments.
- Fully Comprehensive Plans – Offers extensive cover, including in-hospital expenses, extended chronic illness benefits, and day-to-day medical expenses. These plans often include additional benefits such as medical appliance benefits and advanced treatments.
- Traditional Plans – Provides hospitalisation, chronic condition cover, and set day-to-day medical benefits with fixed annual limits. Benefits do not roll over and expire at the end of the year.
- GAP Cover – Even with a comprehensive medical aid plan, shortfalls may arise due to doctors and specialists charging above medical aid rates. GAP cover is a supplementary insurance policy that helps bridge the difference between what your medical aid pays and the actual costs incurred, preventing unexpected out-of-pocket expenses for in-hospital treatments, co-payments, and specialist fees.
Medical Aid Providers
Opulentia partners with leading medical schemes to provide you with a variety of options that cater to your healthcare needs. Whether you’re looking for basic hospital cover or a fully comprehensive plan, we help you find the best solution to protect your health and finances.
financial coverage for medical expenses
Risk Management
Opulentia Risk Management provides essential services such as Health and Safety consulting and training, fully accredited by HWSETA and registered with the Department of Labour. We ensure compliance with SAQA standards and are committed to promoting high safety standards and fire safety practices.
Our goal is to help businesses manage their safety, risk, and health responsibilities while keeping them updated with the latest technology. We also specialise in ISO 9001:2015 Quality Management Systems, offering implementation or auditing services to ensure your company meets international standards.
identifying, assessing, and mitigating potential risks
Short-Term Insurance
At Opulentia, we recognise/consider short-term insurance as an essential part of protecting your business against potential losses. Our approach ensures that your risks are adequately covered through a thorough and strategic process.
Our Approach
- Conducting a comprehensive analysis of your current cover and risk exposure to ensure adequate protection.
- Reviewing claims history and coverage arrangements to identify trends that could impact your portfolio in the future.
- Assessing current and future business activities, including expansions, acquisitions, and new locations.
- Evaluating insured sums and existing cover, identifying any critical gaps that require attention.
- Negotiating with insurers on your behalf to secure the most competitive terms.
- Providing competitive cover options for your consideration.
Why Choose an Insurance Broker?
Working with an experienced broker offers numerous benefits, including:
✔️ Comprehensive insurance protection tailored to your needs.
✔️ Competitive pricing through expert negotiation.
✔️ Access to a wide range of insurers for diverse coverage options.
✔️ Savings of time and money by handling the complexities for you.
✔️ Personalized service and ongoing support.
✔️ A trusted advisor with industry expertise.
✔️ Assistance with claims and continuous care for your peace of mind.
With strong relationships across leading insurers and underwriting agencies, we partner with financially stable providers to secure the best cover solutions for you.
A Key Component of Your Risk Management Strategy
Transport
We offer a comprehensive solution for all your transport needs, providing exceptional service that fosters long-term client relationships. Our knowledgeable team is dedicated to understanding and addressing your unique needs, ensuring you receive the right HCV insurance coverage. Whether insuring a single truck or an entire fleet, we offer tailored insurance policies to suit your requirements.
tailored truck or fleet insurance
Wealth Management
At Opulentia’s Wealth Department, we believe that true wealth goes beyond just having money—it’s about living the life you desire. Wealth offers choices, whether it’s sailing around the world or making a meaningful impact.
Our advice-driven approach focuses on understanding your unique goals, taking the time for personal conversations and insights to shape tailored investment strategies for both the short and long term.
We work alongside top-tier financial planners to create a comprehensive, integrated framework that aligns your lifestyle goals with sound financial advice, helping you achieve your financial dreams.
aligning financial decisions with personal goals
Ready to secure your financial future or protect your business?
Location
9 Chris Botha St,
Westdene,
Bloemfontein, 9301
Hours
Monday - Friday
08:30 - 16:30
Silverlake Trading 305 (PTY) LTD t/a Opulentia | An authorised financial service provider | FSCA Certificate | Fsp no. 34437 | Policies