Thari ya Baruti Pukwana ya Kganya Contract including Continuous Amendments

36 9.3 Non-payment of Premiums and Additional Premiums and Forgiveness Rules 9.3.1 In the event of non-payment of a Premium and/or Additional Premium of a Policyholder referred to in claus e 9.1.5 of Part I, no Benefits shall be paid in respect of such Policyholder unless - 9.3.1.1 the requirements of claus e 8.2 of this Part I are met; or 9.3.1.2 the Forgiveness Rules as set out in Annexe E.5 can be applied in respect of the Missed Premium(s). 9.3.2 If the requirements set out in claus e 9.3.1 are not met, then no Benefits will be paid by the Insurer in respect of the Policyholder upon the happening of an Insured Event. 10. Exclusions and limitations All exclusions and limitations applicable to the Policies are set out in Part II, Part III and Part V, 53 r espectively. 11. Waiting Periods 11.1 The Waiting Periods in terms of the Policies, if applicable, are as set out in Part II, Part III and Part V 54 b elow. 11.2 As provided for in clause 8.2 of this Part I, payment of Benefits will always depend on whether or not the applicable Waiting Period in terms of the Policies has ended. 11.3 If the Insured Event happens during the Waiting Period (i.e. before the Waiting Period has ended) (if applicable in terms of the Policies), the Benefits will not be paid. 53 Amended with effect from 1 April 2023. 54 Amended with effect from 1 April 2023.