Frequently Asked Questions

Everything you need to know about Guardian ARC

Clear answers to the questions that matter most, whether you are an individual road user, a family, or a business protecting your people.

What does Guardian ARC cover?
Guardian ARC provides unlimited private accident medical care for injuries sustained in road accidents. This includes immediate emergency response, private hospital admission, specialist treatment, trauma care, and full case management through to recovery. For businesses, Guardian ARC extends this protection across your entire workforce, fleet, or passenger base. All claims are processed and recovered through the Road Accident Fund by Accisure on your behalf.
Is there a waiting period before my cover starts?
There is no waiting period. Your Guardian ARC cover activates immediately from the date you sign up, even before your first premium is collected at month end. You are fully protected from day one.
Do I need a medical examination to join?
No medicals. No blood tests. No health questionnaires. Guardian ARC is open to all road users regardless of age or health status. Simply sign up online and you are covered immediately.
Are there exclusions, queues, or out-of-pocket costs?
None. Guardian ARC operates on a no exclusions, no queues, no out-of-pocket basis. One call activates everything. Accisure manages the entire process from the moment of impact through to full recovery and RAF claims settlement.
What do I do if I am involved in an accident?
Call our 24/7 toll-free emergency line: 0861 22 24 78. One call activates your full Guardian ARC emergency response. We coordinate everything, emergency dispatch, private hospital admission, specialist treatment, trauma support, and RAF claims processing. You focus on recovery. We handle the rest.
Can I cover my whole family, staff, or employee base?
Yes. Each family member including your domestic worker, gardener, or household carer can have their own Guardian ARC membership. For businesses, Guardian ARC scales from a single employee to an entire workforce of thousands under one predictable commercial agreement.
What Our Members Say

Real people. Real protection.

★★★★★

“After my accident, Guardian ARC had a private emergency team with me within minutes. I did not have to worry about a single thing. They handled everything.”

TM
Thabo M.
ARC Med Member, Johannesburg
★★★★★

“I signed my domestic worker up for ARC Ubuntu. She was in an accident last year, everything was covered privately. No stress, no bills. Worth every cent.”

SV
Sandra V.
ARC Ubuntu Member, Pretoria
★★★★☆

“As a fleet operator I needed something real, not just a policy. ARC Vanguard ticked every box. My drivers are covered. The peace of mind is priceless.”

KD
Keegan D.
ARC Vanguard, Cape Town
★★★★★

“R49 a month. Digital card on my WhatsApp immediately. Immediate cover, no waiting, no medicals. I cannot understand why every South African doesn’t have this.”

NP
Nomsa P.
ARC Med Member, Soweto
★★★★★

“Guardian ARC is the most important debit order on my statement. One call changed everything when my son was in an accident. I cannot thank them enough.”

LB
Lynette B.
ARC Med Member, Durban
★★★★★

“My gardener has been with me for 14 years. Knowing he is covered every day he travels gives me genuine peace of mind. Ubuntu is exactly what it says.”

MR
Michelle R.
ARC Ubuntu Member, Sandton

★★★★★

“After my accident, Guardian ARC had a private emergency team with me within minutes. I did not have to worry about a single thing. They handled everything.”

TM
Thabo M.
ARC Med Member, Johannesburg
★★★★★

“I signed my domestic worker up for ARC Ubuntu. She was in an accident last year – everything was covered privately. No stress, no bills. Worth every cent.”

SV
Sandra V.
ARC Ubuntu Member, Pretoria
★★★★☆

“As a fleet operator I needed something real, not just a policy. ARC Vanguard ticked every box. My drivers are covered. The peace of mind is priceless.”

KD
Keegan D.
ARC Vanguard, Cape Town
★★★★★

“R49 a month. Digital card on my WhatsApp immediately. Immediate cover, no waiting, no medicals. I cannot understand why every South African doesn’t have this.”

NP
Nomsa P.
ARC Med Member, Soweto
★★★★★

“Guardian ARC is the most important debit order on my statement. One call changed everything when my son was in an accident. I cannot thank them enough.”

LB
Lynette B.
ARC Med Member, Durban
★★★★★

“My gardener has been with me for 14 years. Knowing he is covered every day he travels gives me genuine peace of mind. Ubuntu is exactly what it says.”

MR
Michelle R.
ARC Ubuntu Member, Sandton

The Guardian ARC Journey

From sign-up to Total Care in two simple journeys

Step One — Joining Guardian ARC
1
Sign Up Online
Minutes. No paperwork. No queues.
2
Receive Your Digital Card
Issued instantly to your phone via WhatsApp.
3
Cover Activates Immediately
Protected from day one. No waiting period.
4
Travel With Confidence
Every road. Every journey. Fully protected.
Then, if the unexpected happens…
Step Two — One Call. Total Care.
1
Accident Occurs
Call 0861 22 24 78 — 24/7, any time, anywhere.
2
Accisure Responds
Private ambulance dispatched immediately.
3
Stabilised & Transferred
Private network care. Treatment managed end to end.
4
Full Case Management
All documentation and recovery coordinated by Accisure.
5
Zero Bills. Total Care.
All costs settled. You pay nothing. Ever.

One Call. Total Care.

South Africa’s roads are unpredictable. Your protection should not be. Join Guardian ARC today and travel with genuine confidence.

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Guardian ARC is not a medical scheme and does not operate as one. ARC Med is powered and administered by Accisure (Pty) Ltd. Claims are recovered through the Road Accident Fund (RAF). This page is for information purposes only and does not constitute financial or medical advice. Emergency line: 0861 22 24 78.