PYK Contract including Continuous Amendments

42 18. Cooling-off rights 18.1 The Policyholder is entitled to cancel this Pukwana ya Kganya Contract within a period of 31 (thirty one) days after the Inception Date, unless a Benefit has been claimed or paid, or an Insured Event has occurred (" cooling off period "). 18.2 If the Policyholder elects to cancel this Pukwana ya Kganya Contract as contemplated in clause 18.1 o f this Part I it shall be deemed that the Policyholder (in his/her capacity as a Member) similarly exercised his/her cooling-off rights in terms of his/her Membership to the Kganya Benefits Fund Trust, as provided for in the Master Regulations, whereby cover in terms of this Pukwana ya Kganya Contract and Membership to the Kganya Benefits Fund Trust will come to an end at the same time. 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 claus e 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 –