Pukwana ya Kganya Contract

33 materially affects the Insurer's ability to assess the risk under this Pukwana ya Kganya Contract. 13.2 Submission of Claims 13.2.1 Claims must be submitted by the Beneficiary to the Insurer (or its duly appointed administrator, Kganya Insurance Administrators) i) within a period of 12 (twelve) Months after the happening of the Insured Event; and ii) must include the submission of all the Claim Documents as required in terms of the Policies. 13.2.2 A Claim for Benefits may be repudiated by the Insurer if a Claim is made after the 12 (twelve) Month period indicated in clause 13.2.1 of this Part I; or in the event that a Claim is not supported with all the relevant Claim Documents. 13.2.3 Claims for Benefits must be submitted to the Insurer (or its duly appointed administrator, Kganya Insurance Administrators) as follows: 13.2.3.1 at one of the Kganya Insurance Administrator's Service Centres, the details of which can be found on the website of Kganya Insurance Administrators at https://mykganya.com ; or 13.2.3.2 any designated office of the Insurer. 13.3 Consideration of Claims 13.3.1 If the Insurer disputes or rejects a Claim, the Insurer will provide the Beneficiary with a notice setting out the reasons for the decision. 13.3.2 In such event, the Beneficiary may, within 90 (ninety) days from the date of receipt of the notice, make representations to the Insurer regarding the decision. 13.3.3 If the Beneficiary fails to make such representations, the Insurer shall not be liable to pay a Claim, and the Insurer's liability to pay a Claim will be extinguished.