Pukwana ya Kganya Terms & Conditions

56 2.4 Funeral Benefit in the event of death due to natural causes 2.4.1 Subject to the Forgiveness Rules as provided for in clause 9.3 of Part I and Annexe E.5 , a Funeral Benefit in respect of an Assured Life will only be paid upon the death of an Assured Life due to natural causes if - 2.4.1.1 the Insurer (or its duly appointed administrator, Kganya Insurance Administrators) recorded a Premium in respect of the Assured Life with Dates of Payment in each of the 3 (three) consecutive Months preceding the Month in which the Date of Death occurred; and 2.4.1.2 the Date of the Death is 91 (ninety-one) days after the Inception Date, being the Waiting Period, as provided for in clause 3 of this Part II. 2.4.2 All Premiums recorded by the Insurer (or its duly appointed administrator, Kganya Insurance Administrators) shall be paid to the Insurer in accordance with the terms of the Premium Payment Agreement. 3. Waiting Periods 3.1 A Waiting Period of 91 (ninety-one) days will apply to the Policyholder in terms of this Funeral Policy, calculated with effect from the Inception Date. 3.2 In terms of clause 11 of Part I, no Funeral Benefit will be paid in the event that the Insured Event occurs within the Waiting Period. 3.3 No Waiting Period will be applied in the following circumstances - 3.3.1 where an Insured Event is caused as a result of an Accident; 3.3.2 where the Policyholder confirms that - 3.3.2.1 the Policyholder was covered in terms of another funeral policy that had lapsed or had been terminated or cancelled ( “the previous policy” ) with another insurer, which previous policy was in force at least 31 (thirty-one) days before the Inception Date; and 3.3.2.2 the previous policy provided cover for similar risks covered in terms of this Funeral Policy; and 3.3.2.3 the previous policy imposed a Waiting Period of 91 (ninety-one) days or shorter period ( “previous policy waiting period” ), which previous policy waiting period had been completed in full; and 3.3.2.4 the previous policy imposed a Waiting Period of 91 (ninety-one) days or longer of which 91 (ninety-one) days had been completed. 3.4 The Waiting Period will be reduced by the completed portion of a Waiting Period under a previous policy if - 3.4.1 the previous policy imposed a Waiting Period of 91 (ninety-one) days or longer, and at least 91 (ninety-one) days of the Waiting Period under the previous policy had not been completed fully on the Inception Date; and 3.4.2 the risks covered in the previous policy are similar to the risks covered under this Funeral Policy. 3.5 In order for the Insurer to reduce the Waiting Period and/or for the Waiting Period not to apply, the Policyholder must provide confirmation of the previous policy, in the form and manner as the Insurer may request. 3.6 To the extent that (i) the Policyholder does not give such confirmation, or (ii) the Insurer cannot verify the correctness of such confirmation, then a Waiting Period of 91 (ninety-one) days will be applied. 3.7 Confirmation for the previous policy is considered by the Insurer to be material to the assessment of the risk in terms of this Funeral Policy. 4. Exclusions and Limitations 4.1 The Insurer shall only pay 1 (one) claim for Funeral Benefit on the death of an Assured Life regardless of the number of Claims made. 4.2 The Insurer shall not pay any Funeral Benefit if the Death of an unborn child was caused by, related to or in consequence of - 4.2.1 a miscarriage which does not constitute a Stillbirth; or 4.2.2 an abortion. 5. Nomination of Beneficiary 5.1 Where a Funeral Benefit is payable to a Beneficiary (other than the Policyholder), the Policyholder must nominate a Beneficiary to receive the Funeral Benefit by completing such details in the MPP Form. 5.2 The Policyholder may change or withdraw the nomination of a Beneficiary at any time before payment of a Funeral Benefit, provided that such change or withdrawal is made in writing by completing an AMPP Form, or contacting the call centre as provided for in clause 14.2.1.2 of Part I. 5.3 The nomination of a Beneficiary will not confer any rights on the Beneficiary until such time as a Funeral Benefit becomes payable. 5.4 The nomination of a Beneficiary will automatically be cancelled in the event of the Beneficiary predeceasing the Policyholder and/or dying simultaneously with the Policyholder. 5.5 If the Policyholder (i) fails to nominate a Beneficiary; or (ii) the Beneficiary - 5.5.1 was not validly appointed; 5.5.2 is under the age of 18 (eighteen) years at the date of the happening of an Insured Event, or otherwise legally disqualified; 5.5.3 is deceased; 5.5.4 cannot be identified with reasonable certainty; 5.5.5 is indisposed or unreachable; or 5.5.6 is not considered to be a suitable person by the Policyholder’s Church Branch or the Kganya Benefits Fund Trust, the Funeral Benefit will be payable to the person as recommended by the Policyholder’s Church Branch and/or the Kganya Benefits Fund Trust, and finally determined by the Insurer after considering all such information as the Insurer may determine to be necessary. 5.6 Upon the death of the Policyholder, the Beneficiary can no longer be changed. 6. Cover and Benefits in respect of Paid-up Dependants 6.1 Where a Claim for a Funeral Benefit had been accepted and paid by the Insurer in the event of the death of a Policyholder ( “the Deceased Policyholder” ), each Dependent Child of the Deceased Policyholder at the Date of Death, shall qualify as a Paid-up Dependant from the Date of Death of the Deceased Policyholder until the Dependent Child no longer qualifies as a Dependent Child. 6.2 All Paid-up Dependants will be entitled to cover in terms of this Funeral Policy without any further Premiums being paid in respect of such Paid-up Dependant(s). 6.3 Upon the death of a Paid-up Dependant, the Funeral Benefit as specified in Annexe E.2 , as applicable at the date of death of the Paid-up Dependant, will be paid to the Beneficiary in respect of such Paid-up Dependant. The Beneficiary shall, in such instance, be the same person nominated as a Beneficiary by the Deceased Policyholder prior to the Date of Death. 6.4 A Paid-up Dependant with a mental and/or physical disability which – 6.4.1 existed at the Date of Death of the Deceased Policyholder; or