Pukwana ya Kganya Terms & Conditions

67 Annexe E.5 Forgiveness Rules 1. The Forgiveness Rules are informed by the principles of “ Treat Your Customer Fairly ” and were formulated to grant a Policyholder a concession when a Claim for a Funeral Benefit, Personal Accident Benefit, or Dread Disease Benefit is submitted to the Insurer. 2. The Forgiveness Rules provide for leniency by considering the consistency of the Premium payment history of the Policyholder (with reference to his/her payment of Membership Contributions as contained in the Payment Receipt Booklet), where the Claim would ordinarily be declined upon the application of the provisions of clause 8.2 of Part I. 3. Upon submission of the Claim, in considering the application of the Forgiveness Rules, the Pukwana ya Kganya Contract must have been in force for one or more completed 12 (twelve) Month cycles (“ Periods ”). The number of Periods is calculated backwards from and including the Month prior to the Month in which the Insured Event occurred, to and including the Month of the Inception Date. 4. The Insurer shall consider whether the Policyholder has the required number of Premiums paid as specified below for each of the Periods, calculated in the manner set out in clause 3 above. The Policyholder shall thereby be allowed such number of Missed Premiums as specified below, without affecting the payment of Benefits even where a Premium may have been missed. Periods Cumulative number of Premiums required Missed Premiums 1 11 1 2 22 2 3 33 3 4 44 4 5 55 5 6+ 66 6