PYK Contract including Continuous Amendments

Table of Contents Page No PART I: GENERAL TERMS AND CONDITIONS .............................................................. 1 1. Parties ..................................................................................................................... 1 2. Background to this Pukwana ya Kganya Contract.................................................... 1 3. Introduction .............................................................................................................. 2 4. Use of information.................................................................................................... 3 5. Policy documents..................................................................................................... 4 6. Definitions and interpretation ................................................................................... 5 7. Insurance cover ......................................................................................................28 8. Benefits...................................................................................................................29 9. Payment of Premiums.............................................................................................30 10. Exclusions and limitations .......................................................................................32 11. Waiting Periods.......................................................................................................32 12. Dependent Children ................................................................................................33 13. Claims.....................................................................................................................34 14. Amendments...........................................................................................................37 15. Consent to disclosure of personal information.........................................................38 16. Cancellation ............................................................................................................40 17. Effect of cancellation...............................................................................................41 18. Cooling-off rights.....................................................................................................42 19. Complaints procedure.............................................................................................42 20. Unclaimed Benefits .................................................................................................43 21. General...................................................................................................................44 PART II: FUNERAL POLICY............................................................................................45 1. Introduction .............................................................................................................45 2. Funeral Benefit .......................................................................................................45 3. Waiting Periods.......................................................................................................47 4. Exclusions and Limitations......................................................................................48 5. Nomination of Beneficiary .......................................................................................49 6. Cover and Benefits in respect of Paid-up Dependants ............................................50 7. Claim Documents for Funeral Benefit......................................................................51 8. Cessation of cover in respect of Funeral Benefit .....................................................53 PART III: DREAD DISEASE AND PERSONAL ACCIDENT POLICY ...............................54 1. Introduction .............................................................................................................54