Pukwana ya Kganya Contract

Table of Contents Page No PART I: GENERAL TERMS AND CONDITIONS ................................................................1 1. Parties.........................................................................................................................1 2. Background to this Pukwana ya Kganya Contract......................................................1 3. Introduction .................................................................................................................2 4. Use of information.......................................................................................................3 5. Policy documents........................................................................................................4 6. Definitions and interpretation ......................................................................................4 7. Insurance cover ........................................................................................................26 8. Benefits.....................................................................................................................27 9. Payment of Premiums ..............................................................................................28 10. Exclusions and limitations.........................................................................................30 11. Waiting Periods.........................................................................................................30 12. Dependent Children..................................................................................................30 13. Claims.......................................................................................................................32 14. Amendments.............................................................................................................35 15. Consent to disclosure of personal information..........................................................36 16. Cancellation ..............................................................................................................38 17. Effect of cancellation.................................................................................................39 18. Cooling-off rights.......................................................................................................39 19. Complaints procedure...............................................................................................40 20. Unclaimed Benefits...................................................................................................41 21. General .....................................................................................................................41 PART II: FUNERAL POLICY .............................................................................................43 1. Introduction ...............................................................................................................43 2. Funeral Benefit .........................................................................................................43 3. Waiting Periods.........................................................................................................45 4. Exclusions and Limitations .......................................................................................46 5. Nomination of Beneficiary.........................................................................................47 6. Cover and Benefits in respect of Paid-up Dependants.............................................48 7. Claim Documents for Funeral Benefit.......................................................................49 8. Cessation of cover in respect of Funeral Benefit ......................................................51 PART III: DREAD DISEASE AND PERSONAL ACCIDENT POLICY................................52 1. Introduction ...............................................................................................................52