Terms and Conditions

FUNERAL BENEFITS:

The funeral plan provides for a cash payment of a death claim of a Principal Member and his/her nine Dependants.

FUNERAL PACKAGE:

The funeral package consists of the following benefits:

Basic Funeral Benefit
Optional Repatriation Benefit

INSURED PERSONS DEFINITIONS:

Principal Member: any individual between age 18 - 74 years, who is allowed to participate in the policy, in terms of the eligibility conditions as stated in the Policy Document. A Principal Member may not be older than the maximum entry age of 74 years. A Principal Member must live in South Africa.
Dependants: means a Spouse, Children, Extended Family and Wider Child, where applicable. Up to nine Dependents may be covered
Spouse: a person married to the Principal Member by law or tribal custom or under the tenets of any Asian religion, which shall include a Common Law Spouse of the Principal Member. A Spouse may not be older than the maximum entry age of 79 years.
Common Law Spouse: a person who is deemed by Safrican, at its sole discretion, to be a Spouse, considering the circumstances of each case, and shall include, where applicable, customary marriages, or a relationship between two people of the same gender, or a relationship between two people who have lived together for at least six consecutive months prior to the date of death of the Spouse.
Child: an unmarried child of the Principal Member, younger than age 21 years, including a stepchild, posthumous child, an illegitimate child and a legally adopted child. Cover for Children is extended to under age 26 years if the Child is a full-time student at a recognised educational institution. This does not include part-time and correspondence students. Children who are mentally disabled or totally and permanently disabled before age 21 years, who are unable to care for themselves, are covered until cover for the Principal Member ends. Details of any children of a Common Law Spouse, illegitimate child and stepchild must be supplied to Safrican at the time that the Principal Member joins the scheme, or within 1 month of the child becoming eligible for cover. Failing this, Safrican will require satisfactory proof to support any claim.
Extended Family: Family members, who are dependent on the Principal Member for financial assistance in the event of their death, may be covered. These include parents, parents-in-law, uncles, aunts, brothers, sisters, nephews, nieces, grandparents and children of the Principal Member who are age 22 years and older. Divorced spouses at the start of the policy and spouses who divorce during the term of the policy can be covered as Extended Family. Please Note:
Extended Family may not be older than the maximum entry age of 74 years
Only in case of a marriage may Extended Family (parent-in-law) be added, provided the maximum number of Extended Family Members has not been exceeded (approval to be granted by Safrican before premiums are amended).
Extended Family members may be covered multiple times under the Plan, provided such Extended Family members are not nominated more than once by the same Principal Member and the maximum benefit limit of R60 000 is not exceeded for such Extended Family members across all Safrican plans.

Common Law Spouse: a person who is deemed by Safrican, at its sole discretion, to be a Spouse, considering the circumstances of each case, and shall include, where applicable, customary marriages, or a relationship between two people of the same gender, or a relationship between two people who have lived together for at least six consecutive months prior to the date of death of the Spouse.
Wider Child: A child who is 18 years or younger and does not qualify to be a Child but is financially dependent on the Principal Member in the event of their death.
Dependant: means a Spouse, Children, Extended Family and/or Wider Child, where applicable. Up to nine Dependents may be covered. A Dependant may not be older than the maximum entry age of 7 years.

TERMS & CONDITIONS:

Each Principal Member must complete an application form choosing his/her Dependants. Dependants who are not nominated on the application form will not be covered.
A policy commences on the first day of the month following the receipt of the first premium by Safrican. If the first premium is received before the 7th of a month, the policy shall commence on the first day of the same month. If the first premium is received after the 7th of the month, the policy shall commence on the first day of the following month.
Benefits end on the date of death of the Principal Member, non-payment of premiums (subject to the Grace Period), or withdrawal from the Plan by the Principal Member, which ever event may occur first.
Premiums are paid up to death
The benefit for children younger than 6 years cannot be greater than the maximum benefit limit of R10 000 across all Safrican plans.
The benefit for children younger than 14 and older than 6 years cannot be greater than the maximum benefit limit of R30 000 across all Safrican plans.
Should a Principal Member have underpaid his/her premium, the benefit payable in respect of a claim will be reduced in proportion to the underpayment.
All Principal Members in the Scheme must choose the same Plan. You cannot have some Principal members on Plan A and others on Plan B in the same Scheme.
The policyholder is entitled to be provided, upon request, with a copy of the Policy Document.
The Principal Member can only cover up to a maximum of 9 Dependants at the start date of cover.
Principal Members are not allowed to replace deceased Dependants as cover is quoted on the total sum insured.
The benefit will reduce when:
a divorced spouse is moved from being covered as a Spouse to being covered as Extended Family;
a child is moved from being covered as a Child in terms of the Child definition to being covered as Extended Family.

INSURABLE INTEREST:

Please note that all persons insured under the policy must be related to the Principal Member and/or Policy Payer, and the Principal Member and/or Policy Payer must have an insurable interest in all insured persons under the policy.

CHANGES TO MEMBER RECORDS

A new application form detailing the Dependants to be covered must be submitted to Safrican for approval at the start of the scheme.
Marriage of a Principal Member
A new application form detailing the additional lives to be covered must be submitted to Safrican for approval. These lives will only be considered in respect of the Spouse, Principal Member's in-law's and step children. Existing family, not added when the Principal Member joined the Plan, will not be considered at this point. The lives added will be subject to the benefit type available to the funeral arrangement, any maximum lives as described in the policy document and relevant waiting periods.
Birth of a Child
A new application form detailing the new Child to be covered must be submitted to Safrican for approval.
Divorce of a Principal Member
A new application form detailing the remaining lives to be covered must be submitted to Safrican for approval.
Minor Children ceasing to qualify under the Child Definition
Children of the Principal Member reaching age 22 years (in the case of full time students age 26 years) will no longer be covered under the Funeral Benefit. The Child can then be covered as a self-standing Principal Member under the arrangement (should policy conditions be met), or covered as an Extended Family Member (should benefit be available), or join any of the Safrican individual products (where applicable, and where the waiting period will be waived if cover is taken up within 30 days of reaching the age).
A six months waiting period will apply to all new insured lives as a result of the changes.

GRACE PERIOD:

A one-month grace period is allowed to pay any premium once the policy is in force (i.e. first premium has been received). If the premium is not paid within that month, the cover will end without further notice.

WAITING PERIODS:

The waiting period refers to the full calendar months the policy has to be in force before any valid claim will be payable. The period is calculated from the commencement date of the policy and/or the commencement date of increased cover. The waiting period does not relate to the number of premiums paid.
From the start date of cover, there is a six months waiting period for claims due to natural causes, for all persons insured under the policy.
Claims due to accidental death will be paid immediately for all persons covered, provided the first premium was received by Safrican.
In the event of a Principal Member choosing a higher benefit for any person insured under the policy, from the start date of the increased cover, a six months waiting period will apply only to the amount by which the benefit increased for the person.
Where any premium payment is missed and thereafter paid, the part of the waiting period not completed at the point when the premium was not paid, will apply from the date the premium is paid.
Where a policy is reinstated, a new waiting period will start from the re-started date of cover.

EXCLUSIONS:

No benefit will be paid if death is directly or indirectly caused by or attributable to:

Terrorism or war (whether declared or not).
Radioactive contamination, whether directly or indirectly.
Suicide will not be covered during the first two years of membership for any insured person.

COOLING OFF PERIOD:

The Principal Member has a 30 day cooling off period from receipt of this document to examine the policy. Provided that no death or claim has taken place in this period, he/she must inform Safrican in writing if he/she chooses not to take up the policy. All premiums already paid will be refunded, less the cost of any risk cover.

SURRENDER VALUES / CESSION / LOANS

This policy has no surrender value, and may not be ceded or pledged in any way. No loans will be granted against this policy.

FRAUDULENT CLAIMS:

Safrican will not pay any fraudulent claim that is made against this policy. Safrican will, at its own discretion, be entitled to cancel this policy, and any other policy held by the Principal Member or claimant, with immediate effect, should any fraudulent claim be made with the knowledge or intent of the Principal Member or claimant to Safrican's detriment.

SUMMARY CLAIMS PROCEDURE:

In the event of a death, a Claim Notification Form must be requested from a Safrican office, and submitted together with the relevant supporting documents within six months of the date of death. Failure to do so within six months from the date of death, will result in the benefit being forfeited.

Documents to be submitted include, but are not limited to:

Fully completed Claim Notification Form.
Proof of Death:

(BI-5) Original computer produced or faxed certified Death Certificate; or
(BI-18) Original or faxed certified copy of unabridged Death Certificate; or
(Bl-20) Original or faxed certified copy of Abridged Death Certificate in respect of stillborn, together with supporting medical documents.

A copy of the Notification of death (BI-1663)
Certified copy of Principal Member's Identity Document
Certified copy of deceased's Identity Document
Certified copy of claimant's Identity Document
Current bank statement (reflecting name and account number of payee)
Police report (unnatural death)
See the Claim Notification Form for further required documents

Safrican reserves the right to request further documentation or information as it may deem necessary to accurately assess a claim.

Safrican will endeavour to settle the claim within 48 hours, provided all the claim procedure criteria have been met.
Faxed copies must be clearly certified. The details of the Commissioner of Oaths with all the relevant details must be clear. Documentation submitted other than those listed, will not be accepted. Affidavits are not accepted

INTERMEDIARY SERVICES:

A commission of 10% is included in the premium and will be payable to the intermediary for services rendered

REPATRIATION BENEFIT

In the event of the death of either a Principal Member, and/or Dependant, assistance can be sought on tel no. 0800 004 522, which number provides a service to the bereaved family with making the necessary funeral related arrangements, including payment of all costs related to the repatriation of mortal remains, should the deceased be away from home, or alternatively local transport to the funeral parlour within South Africa. This benefit costs an additional R2.30 per policy.

Your policy is underwritten by:

Safrican Insurance Company Limited (“Safrican”)
Reg No. 1935/007463/06
An authorised Financial Services Provider
FSP No. 15123
www.safrican.co.za

Safrican is authorised to provide financial services regarding the following products: Long-term Insurance: Category A, B1, B2, Short Term Insurance: Personal Lines

Safrican holds professional indemnity and/or fidelity insurance cover.

Safrican Head Office

First Floor, Grosvenor Corner, 195 Jan Smuts Avenue, Rosebank
P.O. Box 616, Johannesburg, 2000
Tel: (011) 778 8000
Fax: (011) 778 8183
Email: clientretention@safrican.co.za

Should a complaint not be resolved to your satisfaction, you may escalate the complaint an Ombudsman at:

For complaints about how the policy was sold to you:
FAIS Ombudsman
P.O. Box 74571, Lynnwood Ridge, 0040
Tel: (012) 470-9080 Fax: (012) 348 3447

For complaints about policy terms or a claim not paid:
The Ombudsman of Long-term Insurance
Private Bag x45, Claremont, 7735
Tel: (021) 657-5000 Fax: (021) 674-0951

The intermediary is:
Motsweding Burial Society Primary Co-Operative Limited
An authorised Financial Services Provider
FSP No. 47053

Unit C Tembisa Business Park, 47 Thami Mnyele Drive West erf 871 Mqantsa Section Tembisa 1632
P.O.Box 250, Tembisa 1632
Tel: (011) 924 6023, (011) 049 6927
Cell 0817324840 or SMS
Email: motsweding.co.ops@gmail.com