Thari ya Baruti Terms & Conditions

50 3.4 If a Church Official as a Member fails to pay his Membership Contribution(s) to the Kganya Benefits Fund Trust in accordance with the Master Regulations and the Enhanced Benefits Regulations, the Kganya Benefits Fund Trust will not pay the Premium(s) and the Additional Premium(s) due in terms of the Thari ya Baruti Funeral Policy and the Thari ya Baruti Dread Disease and Personal Accident Policy forming part of this Thari ya Baruti Pukwana ya Kganya Contract. In such case, the Thari ya Baruti Funeral Benefit and Thari ya Baruti Dread Disease and Personal Accident Benefits may be forfeited, subject to the terms and conditions of this Thari ya Baruti Pukwana ya Kganya Contract. 3.5 The Thari ya Baruti Funeral Policy and the Thari ya Baruti Dread Disease and Personal Accident Policy constitute two separate and divisible insurance policies, which are offered as part of a Member’s Membership to the Kganya Benefits Fund Trust in terms of this Thari ya Baruti Pukwana ya Kganya Contract. 3.6 The Thari ya Baruti Funeral Policy and the Thari ya Baruti Dread Disease and Personal Accident Policy may not be cancelled separately since they constitute a single offering, as part of a Member’s Membership to the Kganya Benefits Fund Trust, through this Thari ya Baruti Pukwana ya Kganya Contract. 3.7 The Benefits provided in terms of the Thari ya Baruti Funeral Policy and the Thari ya Baruti Dread Disease and Personal Accident Policy as part of this Thari ya Baruti Pukwana ya Kganya Contract shall at all times comply with the provisions of the Financial Sector Charter, as amended from time to time, to the extent applicable. 4. Use of information Due to the fact that – 4.1 a Member’s Membership to the Kganya Benefits Fund Trust entitles such Member to access this Thari ya Baruti Pukwana ya Kganya Contract as contracting party and Policyholder, the Member agrees that the information provided to the Kganya Benefits Fund Trust for Membership, may and shall be provided by the Kganya Benefits Fund Trust (or its duly appointed administrator, Kganya Insurance Administrators) to the Insurer (or its duly appointed administrator, Kganya Insurance Administrators) for purposes of this Thari ya Baruti Pukwana ya Kganya Contract. 4.2 the same information is required by both the Kganya Benefits Fund Trust (for Membership) and the Insurer (for this Thari ya Baruti Pukwana ya Kganya Contract), the Member agrees that all information disclosed in the MPP Form and the AMPP Form will be used by – 4.2.1 the Kganya Benefits Fund Trust for purposes of Membership to the Kganya Benefits Fund Trust; and 4.2.2 the Insurer for purposes of insurance cover and Benefits in terms of this Thari ya Baruti Pukwana ya Kganya Contract. 4.3 The Member (as Policyholder) will not be required to complete separate documents for the insurance cover and Benefits in terms of this Thari ya Baruti Pukwana ya Kganya Contract. The Member agrees that the information completed by the Member as part of Membership, may be used by the Insurer in respect of the Member (as Policyholder) for purposes of this Thari ya Baruti Pukwana ya Kganya Contract. 4.4 To the extent that any additional information is required by the Insurer, the Insurer will request such information from the Member in his capacity as Policyholder in terms of this Thari ya Baruti Pukwana ya Kganya Contract. 5. Policy documents 5.1 For the sake of convenience, this Thari ya Baruti Pukwana ya Kganya Contract and the Policy Schedule will be contained in the Membership Terms and Conditions Booklet, despite it constituting a separate agreement between the Member in his capacity as a Policyholder and the Insurer. 5.2 All notices and disclosures to be distributed by the Insurer in terms of the Applicable Laws shall be supplied by the Insurer or its duly appointed administrator, Kganya Insurance Administrators, to the Policyholder through the Church Branches affiliated with the ZCC, or such other means of communication as may be appropriate in the circumstances. 6. Definitions and interpretation 6.1 The following words and expressions used in this Thari ya Baruti Pukwana ya Kganya Contract will have the meaning set out in this clause 6 of Part I: 6.1.1 “ Accident ” means an unforeseen external, violent and visible event, which occurs independently of other causes, which accident is not reasonably expected, or designed; 6.1.2 “ Accidental Death “ means death caused directly by, or arising from, or caused solely, by an Accident independently of other causes; 6.1.3 “ Additional Premiums ” means, collectively the Additional Thari ya Baruti Funeral Premium and the Additional Thari ya Baruti Dread Disease and Personal Accident Premium; 6.1.4 “ Additional Funeral Benefits ” means an amount equal to 50% of the Funeral Benefits payable in terms of the Thari ya Baruti Funeral Policy upon the death of a Policyholder, as set out in Annexe E.2 ; 6.1.5 “ Additional Personal Accident Benefits ” means an amount equal to 50% of the Personal Accident Benefits in terms of the Thari ya Baruti Dread Disease and Personal Accident Policy upon the Policyholder becoming Permanently Disabled, as set out in Annexe E.4 ; 6.1.6 “ Additional Thari ya Baruti Funeral Premiums ” means the Monthly premiums payable by the Kganya Benefits Fund Trust to the Insurer in addition to the Premiums, for the Additional Funeral Benefits, as amended from time to time; 6.1.7 “ Additional Thari ya Baruti Dread Disease and Personal Accident Premiums ” means the Monthly premiums payable by the Kganya Benefits Fund Trust to the Insurer in addition to the Premiums, for the Additional Personal Accident Benefits, as amended from time to time; 6.1.8 “ AMPP Form ” means the Amended Member’s Personal Particulars Form, to be completed by a Member when making changes to his Membership to the Kganya Benefits Fund Trust. If a Member completes an AMPP Form - 6.1.8.1 the duplicate thereof shall be affixed to the Payment Receipt Booklet; and 6.1.8.2 the AMPP Form shall simultaneously, in accordance with the consent granted in terms of clause 4 of this Part I, be used to amend the information relating to this Thari ya Baruti Pukwana ya Kganya Contract; 6.1.9 “ Applicable Laws ” means the provisions of the Long-term Insurance Act, the Insurance Act, the Policyholder Protection Rules promulgated in terms of section 62 of the Long-term Insurance Act; the FAIS Act; and any other laws applicable to the regulation of financial services in South Africa;