Terms & Conditions

1. Members must reside within geographical limits (i.e. within the South African boarder’s)

2. There is a 2 (two) year exclusion for suicide.

3. A waiting period of 6 (six) months due to death as a result of natural causes will apply, except of the transfer of a compulsory scheme from another insurer.

4. The premium (and/or the benefits) can be varied on the advice of the actuary by giving the scheme 1 (one) months written notice.

5. The company must be informed of the death claim within 2 (two) months of the death.

6. After this period the claim will only be valid of enough reason to the satisfaction of the Company is given for the late notification.

7. If the product is re-insured, then there may be additional terms and conditions that the re-insurer may impose that must be adhered to.

8. A single parent cover covers the main member and a maximum of 5 (five) children that are either biological and/or legally adopted by the main member.

9. The family package covers the main member and their spouse or life partner and a maximum of 5 (five) children.

10.The Table Below indicated the minimum and maximum ages for cover under the product.

12. The Table below indicates the benefit amount