Pukwana ya Kganya Terms & Conditions

46 10. Waiting Period 59 11. Exclusions and Limitations 59 12. Claim documents for Personal Accident Benefits 59 13. Cessation of cover for Personal Accident Benefits in terms of the Dread Disease and Personal Accident Policy 59 PART IV: TERMS AND CONDITIONS APPLICABLE ONLY TO EXISTING MEMBERS 59 1. Introduction 59 2. Background 60 3. Continuation of rights 60 4. Use of information 60 5. Policy documents 60 6. Insurance cover for Existing Members 60 7. Minors who are Existing Members 60 Annexe E.1 Premiums payable 61 Annexe E.2 Funeral Benefit 62 Annexe E.3 Dread Disease Benefits 63 Annexe E.4 Personal Accident Benefits 66 Annexe E.5 Forgiveness Rules 67 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 2.1 This Pukwana ya Kganya Contract comprises (i) the Funeral Policy; and (ii) the Dread Disease and Personal Accident Policy. 2.2 The terms and conditions set out in this Part I and Part IV, apply to the Funeral Policy and the Dread Disease and Personal Accident 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; and 2.2.2 the Dread Disease and Personal Accident Policy contained in Part III, 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 and the Dread Disease and Personal Accident Policy in respect of all Members who acquired Membership to the Kganya Benefits Fund Trust after the Effective Date . In respect of such Members, the terms and conditions as set out in this Part I must be read with – 2.3.1 the Funeral Policy contained in Part II; and 2.3.2 the Dread Disease and Personal Accident Policy contained in Part III, which collectively constitute the Pukwana ya Kganya Contract, being an insurance contract between the Insurer and a Member as Policyholder. 2.4 All capitalised words and phrases defined in Part I, shall have the same meaning in Part II, Part III and Part IV, unless specifically indicated. 3. Introduction 3.1 The Kganya Benefits Fund Trust procured access to this Pukwana ya Kganya Contract for all Members (other than Church Officials who are Members) who satisfy the requirements for Membership to the Kganya Benefits Fund Trust. 3.2 As part of such Membership, and upon payment of the Membership Contributions to the Kganya Benefits Fund Trust, the Kganya Benefits Fund Trust is obliged to, and will pay, the Premiums due in terms of the Funeral Policy and the Dread Disease and Personal Accident Policy forming part of this Pukwana ya Kganya Contract, to the Insurer. 3.3 If a Member fails to pay his/her Membership Contribution(s) to the Kganya Benefits Fund Trust in accordance with the Master Regulations and Basic Benefits Regulations, the Kganya Benefits Fund Trust will not pay the Premium(s) due in terms of the Funeral Policy and the Dread Disease and Personal Accident Policy forming part of this Pukwana ya Kganya Contract. In such case, the Funeral Benefit, the Dread Disease Benefits and Personal Accident Benefits may be forfeited, subject to the terms and conditions of this Pukwana ya Kganya Contract.