Pukwana ya Kganya Terms & Conditions

47 3.4 The Funeral Policy and the Dread Disease and Personal Accident Policy constitute two separate and divisible insurance policies, which are offered as part of a Member’s Membership to the Kganya Benefits Fund Trust in terms of this Pukwana ya Kganya Contract. 3.5 The Funeral Policy and the Dread Disease and Personal Accident Policy may not be cancelled separately since they constitute a single offering, as part of a Member’s Membership to the Kganya Benefits Fund Trust, through this Pukwana ya Kganya Contract. 3.6 The Benefits provided in terms of the Funeral Policy and the Dread Disease and Personal Accident Policy as part of this Pukwana ya Kganya Contract shall at all times comply with the provisions of the Financial Sector Charter, as amended from time to time, to the extent applicable. 4. Use of information Due to the fact that – 4.1 a Member’s Membership to the Kganya Benefits Fund Trust entitles such Member to access this Pukwana ya Kganya Contract as contracting party and Policyholder, the Member agrees that the information provided to the Kganya Benefits Fund Trust for Membership, may and shall be provided by the Kganya Benefits Fund Trust (or its duly appointed administrator, Kganya Insurance Administrators) to the Insurer (or its duly appointed administrator, Kganya Insurance Administrators) for purposes of this Pukwana ya Kganya Contract. 4.2 the same information is required by both the Kganya Benefits Fund Trust (for Membership) and the Insurer (for this Pukwana ya Kganya Contract), the Member agrees that all information disclosed in the MPP Form and the AMPP Form will be used by – 4.2.1 the Kganya Benefits Fund Trust for purposes of Membership to the Kganya Benefits Fund Trust; and 4.2.2 the Insurer for purposes of insurance cover and Benefits in terms of this Pukwana ya Kganya Contract. 4.3 The Member (as Policyholder) will not be required to complete separate documents for the insurance cover and Benefits in terms of this Pukwana ya Kganya Contract. The Member agrees that the information completed by the Member as part of Membership, may be used by the Insurer in respect of the Member (as Policyholder) for purposes of this Pukwana ya Kganya Contract. 4.4 To the extent that any additional information is required by the Insurer, the Insurer will request such information from the Member in his/her capacity as Policyholder in terms of this Pukwana ya Kganya Contract. 5. Policy documents 5.1 For the sake of convenience, this Pukwana ya Kganya Contract and the Policy Schedule will be contained in the Membership Terms and Conditions Booklet, despite it constituting a separate agreement between the Member in his/her capacity as a Policyholder and the Insurer. 5.2 All notices and disclosures to be distributed by the Insurer in terms of the Applicable Laws shall be supplied by the Insurer or its duly appointed administrator, Kganya Insurance Administrators, to the Policyholder through the Church Branches affiliated with the ZCC, or such other means of communication as may be appropriate in the circumstances. 6. Definitions and interpretation 6.1 The following words and expressions used in this Pukwana ya Kganya Contract will have the meaning set out in this clause 6 of Part I: 6.1.1 “Accident” means an unforeseen external, violent and visible event, which occurs independently of other causes, which accident is not reasonably expected, or designed; 6.1.2 “Accidental Death” means death caused directly by, or arising from, or caused solely, by an Accident independently of other causes; 6.1.3 “AMPP Form” means the Amended Member’s Personal Particulars Form, to be completed by a Member when making changes to his/her Membership to the Kganya Benefits Fund Trust. If a Member completes an AMPP Form - 6.1.3.1 the duplicate thereof shall be affixed to the Payment Receipt Booklet; and 6.1.3.2 the AMPP Form shall simultaneously, in accordance with the consent granted in terms of clause 4 of this Part I, be used to amend the information relating to this Pukwana ya Kganya Contract; 6.1.4 “Applicable Laws” means the provisions of the Long-term Insurance Act, the Insurance Act, the Policyholder Protection Rules promulgated in terms of section 62 of the Long-term Insurance Act; the FAIS Act; and any other laws applicable to the regulation of financial services in South Africa; 6.1.5 “Assured Life/Lives” means - 6.1.5.1 for purposes of the Funeral Policy, (i) the Policyholder, (ii) all children of the Policyholder who qualify as Dependent Children, and Paid-up Dependants, who are indicated in the Payment Receipt Booklet; and (iii) Stillbirths in respect of the Policyholder; and 6.1.5.2 for purposes of the Dread Disease and Personal Accident Policy - 6.1.5.2.1 in respect of the Dread Disease Benefits, the Policyholder; and 6.1.5.2.2 in respect of the Personal Accident Benefits, the Policyholder and all Dependent Children who are indicated in the Payment Receipt Booklet, in respect of whom the Insurer will provide cover in terms of this Pukwana ya Kganya Contract; 6.1.6 “Base Amount” means, in respect of the Personal Accident Benefits in terms of the Dread Disease and Personal Accident Policy, the amount specified in Table A of Annexe E.4 ; 6.1.7 “Basic Benefits Regulations” means the basic benefits regulations issued by the Kganya Benefits Fund Trust from time to time in accordance with the provisions of the trust deed of the Kganya Benefits Fund Trust, read with the Master Regulations, in respect of the basic benefits as set out therein; 6.1.8 “Beneficiary” means - 6.1.8.1 in respect of the Funeral Benefit, subject to the provisions of clause 5 of Part II - 6.1.8.1.1 the Policyholder, upon the happening of an Insured Event in respect of an Assured Life other than the Policyholder; and 6.1.8.1.2 the person(s) nominated by the Policyholder in the MPP Form and/or the AMPP Form, to receive the Funeral Benefit upon the happening of an Insured Event in respect of the Policyholder as Assured Life;