Pukwana ya Kganya Contract

32 13. Claims 13.1 Liability for Claims 13.1.1 The Beneficiary shall follow the claims procedure as set out in this Pukwana ya Kganya Contract in the event of a Claim in relation to an Assured Life. 13.1.2 The Insurer shall not be liable for a Claim - 13.1.2.1 where such Claim is not submitted in accordance with the provisions of this Pukwana ya Kganya Contract, or outside the time periods prescribed; 13.1.2.2 where the Insured Event occurred - 13.1.2.2.1 prior to the Inception Date; or 13.1.2.2.2 after cancellation of this Pukwana ya Kganya Contract; or 13.1.2.2.3 after cover in respect of an Assured Life in accordance with the terms and conditions of the Policies, has ceased; 13.1.2.3 in instances where a Premium in respect of a Policyholder is not paid, thereby constituting a Missed Premium, subject to - 13.1.2.3.1 the provisions of clause 8.2 of this Part I; and 13.1.2.3.2 the Forgiveness Rules, 13.1.2.4 if an Assured Life is subject to a Waiting Period as provided for in terms of the Policies, where applicable, and the Waiting Period has not yet expired. 13.1.3 Notwithstanding the provisions of this Pukwana ya Kganya Contract relating to Claims, the Insurer reserves the right to cancel this Pukwana ya Kganya Contract, repudiate a Claim and declare all Premiums paid by the Kganya Benefits Fund Trust in respect of the Policies forfeited, should there be evidence of, or an attempted submission of a fictional claim, fraud or misrepresentation, which fictional claim, fraud or misrepresentation