Thari ya Baruti Pukwana ya Kganya Contract

38 13.2.3.1 at one of the Kganya Insurance Administrator's Service Centres, the details of which can be found on the website of Kganya Insurance Administrators at https://mykganya.com ; or 13.2.3.2 any designated office of the Insurer. 13.3 Consideration of Claims 13.3.1 If the Insurer disputes or rejects a Claim, the Insurer will provide the Beneficiary with a notice setting out the reasons for the decision. 13.3.2 In such event, the Beneficiary may, within 90 (ninety) days from the date of receipt of the notice, make representations to the Insurer regarding the decision. 13.3.3 If the Beneficiary fails to make such representations, the Insurer shall not be liable to pay a Claim, and the Insurer's liability to pay a Claim will be extinguished. 13.3.4 If the Beneficiary makes representations to the Insurer, the Insurer shall, within 45 (forty-five) days of receiving such representations, inform the Beneficiary of its decision. 13.3.5 After receipt of the decision of the Insurer, if the Beneficiary does not, within 12 (twelve) months from the date of the happening of the Insured Event, begin legal proceedings in a competent court and prosecute such proceedings to final judgment, any liability of the Insurer shall be extinguished and no Benefits will be payable for such Claim and/or the Insured Event. 13.3.6 The 12 (twelve) month period will be suspended during the 90 (ninety) day period mentioned in clause 13.3.2, and provided further that the Beneficiary will at all times have at least 6 (six) months after the expiry of the 90 (ninety) day period to institute legal action in a court of law or to lodge a complaint with the Long-term Insurance Ombudsman.