Pukwana ya Kganya Contract

29 9.1.6 Payment of Premiums shall at all times be made in accordance with, and subject to, the terms of the Premium Payment Agreement, which Premium Payment Agreement can be made available on request. 9.1.7 Payment of the Premiums by the Kganya Benefits Fund Trust does not entitle the Kganya Benefits Fund Trust to any rights in terms of this Pukwana ya Kganya Contract nor entitle it to any Benefits. 9.2 Review of Premiums 9.2.1 The Insurer shall review the Premiums payable at least annually to ensure that the Policies remain actuarially sound. 9.2.2 Without limitation to the provisions of clause 9.2.1 of this Part I, the Insurer shall review and change the Premiums at any time if there are reasonable actuarial grounds to do so, or where the review is required in the interest of the Policyholder, subject at all times to the Applicable Laws. 9.2.3 Without limitation to the provisions of clause 9.2.1 or clause 9.2.2 of this Part I, the Insurer reserves the right to review and change the Premium at any time upon the occurrence of any of the following events: 9.2.3.1 if the Membership Contributions change; and/or 9.2.3.2 if the claims ratio exceeds 80% (eighty percent) in respect of all Policyholders. 9.2.4 The Insurer shall, following the outcome of the review mentioned above, be entitled to change the Premium with effect from the date as specified by the Insurer, by giving 31 (thirty-one) days prior written notice to the Policyholder, subject at all times to the Applicable Laws. 9.3 Non-payment of Premiums and Forgiveness Rules 9.3.1 In the event of non-payment of a Premium of a Policyholder referred to in clause 9.1.5 of Part I, no Benefits shall be paid in respect of such Policyholder unless - 9.3.1.1 the requirements of clause 8.2 of this Part I are met; or