Thari ya Baruti Terms & Conditions

48 Annexe E THARI YA BARUTI PUKWANA YA KGANYA CONTRACT Comprising a Thari ya Baruti Funeral Policy and a Thari ya Baruti Dread Disease and Personal Accident Policy Table of Contents Page No PART I: GENERAL TERMS AND CONDITIONS 49 1. Parties 49 2. Background to this Thari ya Baruti Pukwana ya Kganya Contract 49 3. Introduction 49 4. Use of information 50 5. Policy documents 50 6. Definitions and interpretation 50 7. Insurance cover 55 8. Benefits 55 9. Payment of Premiums and Additional Premiums 55 10. Exclusions and limitations 56 11. Waiting Periods 56 12. Dependent Children 56 13. Claims 56 14. Amendments 57 15. Consent to disclosure of personal information 57 16. Cancellation 58 17. Effect of cancellation 58 18. Cooling-off rights 58 19. Complaints procedure 58 20. Unclaimed Benefits 59 21. General 59 PART II: THARI YA BARUTI FUNERAL POLICY 59 1. Introduction 59 2. Thari ya Baruti Funeral Benefit 59 3. Waiting Periods 60 4. Exclusions and Limitations 60 5. Nomination of Beneficiary 60 6. Cover and Benefits in respect of Paid-up Dependants 60 7. Claim Documents for Thari ya Baruti Funeral Benefit 61 8. Cessation of cover in respect of Thari ya Baruti Funeral Benefit 61 ART III: THARI YA BARUTI DREAD DISEASE AND PERSONAL ACCIDENT POLICY 61 1. Introduction 61 2. Thari ya Baruti Dread Disease and Personal Accident Benefits 61 3. Dread Disease Benefits 61 4. Waiting Period 62 5. Exclusions and limitations 62 6. Claim Documents for Dread Disease Benefits 62 7. Cessation of cover for Dread Disease Benefits in terms of the Thari ya Baruti Dread Disease and Personal Accident Policy 62 8. Personal Accident Benefits and Additional Personal Accident Benefits 62