Thari ya Baruti Pukwana ya Kganya Contract

37 13.1.2.3 in instances where a Premium and/or an Additional Premium in respect of a Policyholder is not paid, thereby constituting a Missed Premium, subject to - 13.1.2.3.1 the provisions of clause 8.2 of this Part I; and 13.1.2.3.2 the Forgiveness Rules, 13.1.2.4 if an Assured Life is subject to a Waiting Period as provided for in terms of the Policies, where applicable, and the Waiting Period has not yet expired. 13.1.3 Notwithstanding the provisions of this Thari ya Baruti Pukwana ya Kganya Contract relating to Claims, the Insurer reserves the right to cancel this Thari ya Baruti Pukwana ya Kganya Contract, repudiate a Claim and declare all Premiums and Additional Premiums paid by the Kganya Benefits Fund Trust in respect of the Policies forfeited, should there be evidence of, or an attempted submission of a fictional claim, fraud or misrepresentation which fictional claim, fraud or misrepresentation materially affects the Insurer's ability to assess the risk under this Thari ya Baruti Pukwana ya Kganya Contract. 13.2 Submission of Claims 13.2.1 Claims must be submitted by the Beneficiary to the Insurer (or its duly appointed administrator, Kganya Insurance Administrators) i) within a period of 12 (twelve) Months after the happening of the Insured Event, and ii) must include the submission of all the Claim Documents as required in terms of the Policies. 13.2.2 A Claim for Benefits may be repudiated by the Insurer if a Claim is made after the 12 (twelve) Month period indicated in clause 13.2.1 of this Part I; or in the event that a Claim is not supported with all the relevant Claim Documents. 13.2.3 Claims for Benefits must be submitted to the Insurer (or its duly appointed administrator, Kganya Insurance Administrators) as follows: