Pukwana ya Kganya Contract

45 3. Waiting Periods 3.1 A Waiting Period of 91 (ninety-one) days will apply to the Policyholder in terms of this Funeral Policy, calculated with effect from the Inception Date. 3.2 In terms of clause 11 of Part I, no Funeral Benefit will be paid in the event that the Insured Event occurs within the Waiting Period. 3.3 No Waiting Period will be applied in the following circumstances - 3.3.1 where an Insured Event is caused as a result of an Accident; 3.3.2 where the Policyholder confirms that - 3.3.2.1 the Policyholder was covered in terms of another funeral policy that had lapsed or had been terminated or cancelled (" the previous policy ") with another insurer, which previous policy was in force at least 31 (thirty one) days before the Inception Date; and 3.3.2.2 the previous policy provided cover for similar risks covered in terms of this Funeral Policy; and 3.3.2.3 the previous policy imposed a Waiting Period shorter than 91 (ninety- one days), which had been completed in full; or 3.3.2.4 the previous policy imposed a Waiting Period of 91 (ninety-one) days or longer, of which 91 (ninety-one) days had been completed. 3.4 In the circumstances contemplated in clause 3.3.2.4, the Waiting Period will be reduced by the completed portion of a Waiting Period under a previous policy if - 3.4.1 at least 91 (ninety-one) days of the Waiting Period under the previous policy had not been completed on the Inception Date; and 3.4.2 the risks covered in the previous policy are similar to the risks covered under this Funeral Policy. 3.5 In order for the Insurer to reduce the Waiting Period and/or for the Waiting Period not to apply, the Policyholder must provide confirmation of the previous policy, in the form and manner as the Insurer may request.