Welcome to YX Employee Benefit member services

Want your family to better understand their cover? You can share this page with your spouse, children, or any dependents on your plan. It’s simple - just click Share in the page header and choose the share option that works best for you.

Use MChat under the 'Ask & Chat' tab in any language to ask, chat, and get guidance - with human help when you need it.

This tool will send you an email report that highlights the differences between two versions of a policy that you upload.

Health Buddy helps you share important information about your health and daily life, step by step, in a friendly chat. I’ll explain any medical terms in simple language, check that you understand each question, and only ask what’s relevant to you. Your answers are private and will help us give you the best support possible. If you’re ever unsure, just ask! I’m here to help :)

Let’s get you ready for your yearly check-in with your financial adviser so you can feel confident and make the most of your money. We’ll help you prepare to ensure your review actually helps you reach your goals and stay on the right side of the rules.

Need professional advice? Here’s how YX Employee Benefit Fund members can request a referral to an accredited financial adviser.

Big life change or money decision? See when it makes sense to speak to an adviser and how to get help.

The two-pot system limits how much of your retirement savings you can access when you leave your job. Here’s what you can take and what must stay invested.

Different benefits have different claiming rules. Here’s when you can claim from your Employee Benefit Fund.

Learn how to claim different YX Fund benefits - from withdrawals and funeral cover to retirement, disability, and housing loans.

If you’re not satisfied with the YX Fund’s service, you can easily lodge a complaint online, by phone, email, or WhatsApp. Find out more here.

Not sure what your YX benefits include? Here’s a clear guide to your savings and funeral cover, costs, and added extras.

This brochure outlines the comprehensive benefits and services offered by the YX Fund. It details how member and employer contributions, along with investment returns, collectively form a member's fund credit, from which administrative and risk cover costs are deducted.

** This is a live demo. All the content you see is made up. ** molo.Comply is your personal CoFI compliance guide for South African advisers. Upload documents and get instant guidance on meeting both CoFI Bill requirements and your company's compliance policies. We guide you to make it better—with specific fixes and clear explanations. Try it!

This demonstration shows how Molo can make property searching faster, easier, and more personalised with digital-first services. Instead of paging through dozens of listings or waiting for an agent to call you back, you can chat directly with MChat - anytime, from anywhere. MChat records your requirements, emails them to you, and then works to match you with properties that suit your needs. Whether you’re buying your first home, upgrading, or just browsing, this page shows how technology can simplify the process and put you in control.

I am an artificial Benefit Councellor for the YX Employee Benefit Fund. My main function is to educate, inform, and assist members of the fund in making informed decisions about their benefits. In addition, I make sure members get the right advice when life changing events like marriage, childbirth, resignation or retirement happens.

XHealth is a demonstration scheme created by Molo to showcase how medical schemes can support members with personalised, digital-first services - from medical cover and savings options to gap cover and rewards programmes. This page shows how members can get the help they need in a faster, easier way. Instead of searching through long documents or waiting on hold, you can start a chat from anywhere and anytime.

The Molo Nominate My Beneficiary AI agent simplifies the legal complexities of the Pension Funds Act. It empowers members to securely capture and update their beneficiary nominations, ensuring their financial wishes are clearly and accurately documented.

The YX Employee Benefit Fund is a demonstration scheme created by Molo to showcase how employee benefit funds can deliver personalised, digital-first services. From life cover and pension savings to funeral cover and employee wellness programmes, members can access the support they need quickly, easily, and in their own language. Instead of paging through complicated documents or waiting on hold, members can simply start a chat — anytime, from anywhere.

I've spent most of my career in CIO and COO roles within large corporates leading technology and operations teams through change, growth, and transformation. At the heart of it all is a simple purpose: to make beautiful things, whether it’s a product, a process, or an experience that genuinely improves people’s lives. At Molo we combine tech and purpose to create innovative solutions that turn content into real and valuable client conversations.

Milo is your Mindful Leadership Coach — a calm, AI-powered companion designed to help business managers pause, reflect, and recharge. Whether you're feeling overwhelmed, stuck, or simply need a quiet space to think, Milo offers a digital couch to sit on, journal your thoughts, and access just-in-time support.

I'm Khula, your AI-powered digital teacher assessment assistant. I'm here to guide you in easily assessing children from babies to Grade R, aligning with both the National Curriculum Framework (NCF) for children from Birth to Four (including its Early Learning Development Areas - ELDAs) and the CAPS Foundation Phase. I'll help you with assessments covering Life Skills, English Home Language, and Mathematics.

The Molo Retirement Fund Trustee Portal is your central hub for mastering the complexities of all retirement fund related responsibilities. Empowering South African trustees with AI-driven insights, we ensure you navigate governance, investments, and member benefits with unparalleled expertise.

Chat, ask questions and get instant answers while you take control of your financial journey.

The Molo Call Centre demo page showcases how AI assists agents handling inquiries about employee benefits and medical aid in South Africa. The platform transforms your existing content into intelligent conversations, helping call centre agents find information quickly and easily. It also allows them to seamlessly share personalized content with customers.

You're experiencing it right now. This conversation is powered by our content - answering questions, in any language, 24/7. That's what we help you do with your content: turn articles, policies, and expertise into AI-powered conversations that qualify leads and provide instant answers.

I help organizations solve complex digital problems through better design and strategy. 25+ years experience with major financial institutions in South Africa. Currently building molo.page - transforming how businesses communicate digitally. Let's talk.

We care...