Pukwana ya Kganya Contract

1 PART I: GENERAL TERMS AND CONDITIONS 1. Parties 1.1 The Parties to this Pukwana ya Kganya Contract are – 1.1.1 Sanlam Developing Markets Limited as the Insurer; and 1.1.2 a Member of the Kganya Benefits Fund Trust as Policyholder entitled to the Benefits. 2. Background to this Pukwana ya Kganya Contract 1 2.1 This Pukwana ya Kganya Contract comprises (i) the Funeral Policy; (ii) the Dread Disease and Personal Accident Policy; and (ii) the Basic Needs Benefit Policy. 2.2 The terms and conditions set out in this Part I and Part IV, apply to the Funeral Policy, the Dread Disease and Personal Accident Policy and the Basic Needs Benefit Policy in respect of all Members who acquired Membership to the Kganya Benefits Fund Trust before the Effective Date (" Existing Member "). In respect of such Existing Members, the terms and conditions as set out in this Part I and Part IV must be read with – 2.2.1 the Funeral Policy contained in Part II; 2.2.2 the Dread Disease and Personal Accident Policy contained in Part III, and 2.2.3 the Basic Needs Benefit Policy contained in Part V, which collectively constitute the Pukwana ya Kganya Contract, being an insurance contract between the Insurer and an Existing Member as Policyholder. 2.3 The terms and conditions set out in this Part I apply to the Funeral Policy, the Dread Disease and Personal Accident Policy and Basic Needs Benefit Policy in respect of all Members who acquired Membership to the Kganya Benefits Fund 1 Underlined amendments, insertions and strike-through amended with effect from 1 April 2023.