Pukwana ya Kganya Contract

40 18.3 The Policyholder must submit such cancellation instruction to the Insurer or its duly appointed administrator, Kganya Insurance Administrators, provided that notice to the Kganya Benefits Fund Trust for cancellation of his/her Membership, shall be deemed to also be notice to the Insurer for purposes of clause 18.1 of this Part I. 18.4 Premiums paid after the Effective Date in respect of an Existing Member shall be refunded in full to the Kganya Benefits Fund Trust pursuant to a Policyholder exercising the cooling-off rights during the cooling-off period in accordance with the terms of the Premium Payment Agreement. The Membership Contribution will similarly be refunded to the Policyholder as Member, in terms of the Master Regulations. 19. Complaints procedure 19.1 In the event of a complaint, such a complaint must be dealt with in terms of the Insurer's complaint procedure applicable at the date of the lodging of the complaint. 19.2 A complaint may be lodged in the following manner: 19.2.1 By contacting – 19.2.1.1 the Insurer on telephone number (011) 359 3014 or via email at gbcomplaints@sanlamsky.co.za ; or 19.2.1.2 the Insurer's duly appointed administrator, Kganya Insurance Administrators on telephone number 0800 000 538 or via email at complaints@kganya.co.za . 19.2.2 The following information must be available: 19.2.2.1 Policy number as contained in the Membership Book referred to as the " Control Number "; 19.2.2.2 Identity number of the Policyholder; and 19.2.2.3 Nature of enquiry and/or complaint.