1 That Easy SIMPLE INSURANCE FROM EDGARS FAMILY PERSONAL ACCIDENT PLAN Underwritten by Hollard Life Assurance Company Limited, a registered Insurer and an authorised Financial Services Provider. Edcon is a juristic representative of Hollard. Terms and Conditions apply.
2 POLICY NUMBER: 01/PFS/EIS/EPA/11/2001 Underwritten by HOLLARD LIFE ASSURANCE COMPANY LIMITED (Reg. No. 1993/001405/06) ( Hollard Life ) (specially arranged for Edcon (Pty) Limited) (Reg. No. 2007/003525/07) ( Edcon ) The following is your Edgars Family Personal Accident Plan Policy Wording. Hollard has set out the details of the policy for your information. This policy is underwritten by Hollard Life Assurance Company Limited (Hollard). Edgars markets this policy as a joint venture with Hollard and does so in terms of Hollard s role as a Financial Services Provider (FSP). Hollard is authorized to sell insurance products. Hollard agrees to accept any eligible person who has successfully applied for this cover and will, in the event of a valid claim, pay the Funeral Benefit to the Main Insured Person, the Nominated Beneficiary or to the Main Insured Person s estate subject to the terms, conditions and exceptions of this policy. This policy wording as amended from time to time, various administrative forms, application forms, policy schedule, benefit schedule, declarations, authorisations, any voice-logged conversations pertaining to this policy and agreements supplied by Hollard shall form the basis of this insurance contract. In the event of any conflict between the provisions of this policy wording and that of any other documents as mentioned above, the provisions of this policy wording shall prevail. COMMUNICATION INFORMATION To communicate with Hollard in connection with claims and queries regarding this policy, kindly contact: Edcon Insurance Services, PO Box 87428, Houghton, 2041 Tel Number: , Fax Number: To communicate with Edcon in connection with this policy kindly contact: Customer Care Services, Edcon Financial Services, PO Box 100, Crown Mines, 2025 Share Call Number: BENEFITS ACCIDENTAL DEATH BENEFIT The Accidental Death Benefit provides a payment, the sum insured specified in the Policy Schedule, in the event of an Insured Person dying as a result of an Accident during the Period of Insurance. The Policy Schedule will specify for which Insured Persons the Accidental Death Benefit is applicable, the sum insured and premium applicable to each of these Insured Persons. This benefit does not acquire any surrender value or paid-up value. An Insured Person may not cede the Accidental Death Benefit and any cession shall be null and void. The Benefit Inception Date for each Insured Person shall be the date that the Insured Person becomes covered for this benefit under this policy. ACCIDENTAL DISABILITY BENEFIT The Accidental Disability Benefit provides a payment in the event of an Insured Person being disabled (as described in the table below) as a result of an Accident during the Period of Insurance. The payment will be determined by multiplying the sum insured specified in the Policy Schedule by the applicable percentage from the table below: Description of accidental disability The total and permanent loss or loss of use of any The total and permanent loss or loss of use (with radiological evidence of irreversible joint destruction) of: The total and permanent loss of sight (as confirmed by an ophthalmologist s report) The total and permanent loss of hearing (as confirmed by medical evidence in the form of audiometric and sound threshold tests) in: - two limbs (at or above the elbow or knee) - one limb (at or above the elbow or knee) - both hands or both feet - one Hand or one Foot - in both eyes - in one eye - both ears - one ear Percentage The total and permanent loss of speech (as confirmed by a speech therapist) 100% The loss of four fingers on one hand The loss of the whole thumb The loss of the whole index finger The loss of the whole great toe 25% The Policy Schedule will specify for which Insured Persons the Accidental Disability Benefit is applicable, the sum insured and premium applicable to each of these Insured Persons. This benefit does not acquire any surrender value or paid-up value. 100% 50% 100% 50% 100% 50% 100% 25% 25% 25% 10% LIMITATION OF BENEFITS In the event that an Insured Person is covered on more than one Hollard policy, the maximum total benefit amount per Insured Person from all Accidental Death and Accidental Disability Benefits is as follows: - R (six hundred thousand Rand) where the Insured Person is 18 years or older; - R (one hundred thousand Rand) where the Insured Person is under 18 years old.
3 In terms of this policy, the maximum total benefit amount per Insured Person from the Accidental Death and Accidental Disability Benefits is as follows: - R (two hundred thousand Rand) where the Insured Person is 18 years or older; - R (one hundred thousand Rand) where the Insured Person is under 18 years old. According to current legislation, children under 14 (fourteen) years of age are eligible for full disability benefits, but in the event of death the benefit is limited to a maximum of R (ten thousand Rand) for children up to 6 (six) years of age and R (thirty thousand Rand) for children from 6 (six) to 14 (fourteen) years of age. Legislation does not limit the death benefit for children older than 14 (fourteen) years of age, however, Hollard applies the maximum total benefit amounts above. Hollard will not be liable to pay more than the sum insured for each benefit as stated on the Policy Schedule in respect of all claims resulting from an Accident or series of Accidents arising from any one cause in respect of any one Insured Person. The total accumulated claims from the Accidental Death Benefit and, if applicable, the Accidental Disability Benefit in respect of each Insured Person will be limited to the Accidental Death Benefit sum insured for that Insured Person. The total accumulated claims from all benefits (including the Accidental Death and Accidental Disability Benefits) in respect of each Insured Person will be limited to twice the Accidental Death Benefit sum insured for that Insured Person. In terms of the Accidental Disability Benefit: - Once a Benefit has been paid for one particular accidental disability in respect of an Insured Person, claims may still be made for other Accidental Disability events in respect of the same Insured Person, provided that the accumulated Benefit does not exceed the sum insured. - If a Benefit has been paid for the loss or loss of use of a limb or hand or foot, then claims for Benefits for individual parts of the same limb or hand or foot are not allowed. - In the event of an Insured Person qualifying for more than one Accidental Disability Benefit at claims stage, as specified above, only one Benefit will be paid, being the benefit of maximum value. Hollard may increase the maximum total benefit amounts above from time to time. The maximum total benefit amounts above apply at the Benefit Inception Date and take into consideration any existing cover (including any past benefit increases) with Hollard. In the event that a claim or claims are submitted for more than the maximum total benefit amounts as stated above, the amount payable by Hollard will be limited to the maximum total benefit amounts allowed. Hollard may refund a proportion of the premiums paid for cover above the maximum total benefit amounts. All benefit payments are subject to the verification of the validity of any claim. Hollard will not be liable to pay more than the compensation of the death benefit for death or disability resulting from an accident or series of accidents arising from any one cause in respect of any one Insured Person. In addition, if a benefit is paid for the loss or loss of use of a limb or hand or foot, then benefits for individual parts of the same limb or hand or foot cannot also be claimed. NOMINATION OF BENEFICIARY or BENEFICIARIES The Main Insured Person may nominate a person as the Beneficiary in terms of this policy. The Beneficiary will receive the benefit on the Main Insured Person s death. In the event of the death of any other Insured Person nominated in the policy schedule, the benefit will be paid directly to the Main Insured Person. Once a Beneficiary nomination has been made, it remains in force until the Main Insured Person informs Hollard in writing of any change. If no Beneficiary has been nominated, the benefit will be paid to the Main Insured Person s estate. SPECIFIC RESTRICTIONS, EXCLUSIONS, PROVISIONS AND CONDITIONS RESTRICTIONS ON THE NUMBER OF INSURED PERSONS The Main Insured Person is covered. A maximum of 1 (one) Partner may be covered at no additional monthly premium. Up to a maximum of 5 (five) Children may be covered at no additional monthly premium. If a Main Insured Person is joined in marriage with 2 (two) or more persons then only the Partner who is reflected on the Policy Schedule as a Partner will be covered. ELIGIBILITY The Main Insured Person and/or Partner are eligible to be covered provided they are over the age of 18 (eighteen) and below the age of 65 (sixty-five) on the Benefit Inception Date. Children who are below the age of 21 (twenty-one) on the Benefit Inception Date are eligible to be covered. TERMINATION OF BENEFITS The Accidental Death Benefit and, if applicable, the Accidental Disability Benefit will cease on the earlier of: payment of a valid Accidental Death Benefit claim on the life of the Insured Person; or the accumulated Accidental Disability Benefits claims for a particular Insured Person totalling 100% of the Accidental Disability Benefit sum insured; or the Main Insured Person cancelling this policy and the cover provided; or the death of the Main Insured Person; or the Main Insured Person s 75th birthday; or where the Insured Person was over the age of 18 (eighteen), and not a Child, when the Insured s cover commenced - on the Insured Person s 75th (seventy-fifth) birthday; or where the Insured Person was an unmarried Child under the age of 21 (twenty-one) when the Insured s cover commenced: - on the Insured Person s 21st (twenty-first) birthday, or - the Insured Person s 25th (twenty-fifth) birthday if the Insured Person is an unmarried full-time student registered at a registered educational institution and is a Dependant of the Main Insured or Main Insured s Partner; or - the Insured Person getting married. If Hollard does not receive the policy premium on the due date or within the grace period the policy will lapse. No claims will be accepted or paid during this period of time. Once the arrear payments are paid up to date the cover will be reinstated automatically and the Waiting Periods will automatically become applicable from the Reinstatement Date; or The termination of your Edgars retail account. COMPULSORY ANNUAL INCREASES The premiums increase every year by the Annual Premium Increase percentage specified in your Policy Schedule. The benefit amounts increase every year by the Annual Benefit Increase percentage specified in your Policy Schedule. These premium and benefit increases are compulsory and non-cancellable. There will be no premium and benefit increases after the Insured Person 75th birthday. Where the Insured Person is the Main Insured Person, the Partner or a Child, then premium and benefit increases will cease on the earlier of the Main Insured Person s 75th birthday or the Partner s 75th birthday.
4 EXCLUSIONS Hollard will not be liable to pay a benefit if any claim arises directly or indirectly from or is traceable to: wilful exposure to danger (except in an attempt to save human life), intentional self-inflicted injury, suicide or attempt thereat; any Accident which resulted in the death or disability of the Insured Person where the Accident occurred prior to the Benefit Inception Date; an Insured Person engaging in: - combat duties, military exercises or any active service within any military, naval, air, police or correctional services body; or - the active duties of the provision of security or protection services to/for any organisation/individual; or - a Terrorists Activity; or - labour disturbances, riot, strike or lock-out; or - hazardous or professional sports / activities more than once a month or on an income earning basis; the use of nuclear, biological, chemical or explosive weapons or any radioactive contamination; an Insured Person driving any type of vehicle when the Insured Person had a blood alcohol content that exceeded the legal limit allowed for driving by the laws of the country where the Accident occurred; the use of drugs by an Insured Person, unless it is proved that the drug was used in accordance with proper medical prescription and not for the treatment of a drug addiction; an Insured Person refusing medical treatment recommended by a Medical Practitioner; the unreasonable or wilful neglect or failure of an Insured Person to seek and remain under the care of a Physician; miscarriage, abortion or complications arising from these. DEFERRED PERIOD Hollard may delay payment of the accidental disability benefit until after the expiry of the Deferred Period, and reserves the right to extend the Deferred Period, if further claim investigation is necessary in order to form a more accurate and fair assessment of a disability. Premiums are payable during the Deferred Period, and any extended Deferred Period required by Hollard. WAITING PERIODS There are no Waiting Periods applicable to the benefits covered by this Policy Wording. GENERAL RESTRICTIONS, EXCLUSIONS, PROVISIONS AND CONDITIONS TRANSFERABILITY / CESSIONABILITY No rights or benefits payable under this policy may be ceded or transferred to any third party. You may exercise all rights provided for by this policy without the consent of any of the beneficiaries. CURRENCY AND LAW Premiums and benefits payable under this policy shall be paid in the Republic of South Africa and in South African Rands only. This policy shall be governed by and interpreted in accordance with South African Law in the courts of the Republic of South Africa. TERRITORY COVERED Any Insured Person ordinarily resident in the Republic of South Africa will be covered in terms of this policy. Cover is extended to include a visit lasting for a period of less than three months outside the territory covered. An Insured Person who is not a South African citizen, a permanent resident or who ordinarily resides outside of the Republic of South Africa will not be covered in terms of this policy. POLICY FEE A monthly policy fee, as reflected in the Policy Schedule, is payable in addition to the benefit premiums, as reflected in the Policy Schedule. Hollard may increase the policy fee on an annual basis in-line with any increase in administration costs by giving you 30 (thirty) days written prior notice thereof. CRIMINAL ACTIVITIES Hollard shall have no liability whatsoever under this policy where any claim arises from, or is the result of any intentional contravention of any criminal law, whether legislative or at common-law (including fraud), by the Insured Person, or by anyone acting on behalf of the Insured Person or with the Insured Person s connivance and/or consent, or by any person claiming any benefit under this policy. In the event of such a claim all benefits afforded in terms of this policy and all premiums paid in respect of this policy shall be forfeited, and this policy may be voided or cancelled as from the date of the criminal offence, at Hollard s discretion. MISREPRESENTATION, MISDESCRIPTION OR NON-DISCLOSURE Misrepresentation, misdescription or non-disclosure of any material fact or circumstances in connection with this policy, a claim or the application for this policy may result in this policy being cancelled, a claim rejected or the policy voided from inception and all your premiums forfeited. In the event that a benefit has been paid as a result of any misrepresentation, non-disclosure, misdescription or fraudulent action by an Insured Person or by any person claiming any benefit under this policy, such person will be required to repay or return the benefit paid. Hollard shall be entitled to take legal action to recover the benefit and any costs involved. CLERICAL ERROR A clerical error by Hollard shall not invalidate insurance otherwise validly in force, nor continue insurance otherwise not validly in force. INSURABLE INTEREST In order for an insurance policy to be valid, you are required to have an insurable interest in the Insured Person. This means that there needs to be a recognised relationship between you and the Insured Person and as a result of this relationship, you will suffer a financial loss in the event of the death of the Insured Person. Where no insurable interest exists on the Inception Date or Restart Date, the policy shall be void from the Inception Date of cover. PREMIUM PAYMENT DAYS OF GRACE A period of 30 (thirty) days is allowed for the payment of each premium for the first 12 (twelve) premiums. For every 12 (twelve) premiums that are paid in a row the period within which to pay the premium is extended by another 30 (thirty) days, subject to a maximum grace period of 6 (six) months. Once a grace period has been used it cannot be used again until all the premiums that are in arrears have been paid. During the grace period all benefits will remain in force. If any event occurs during the grace period that results in a valid claim, the unpaid premiums will be deducted from any amount paid out.
5 If any premium is not paid and received by Hollard during the grace period, the policy will automatically be cancelled and no Accidental Benefit will be paid. The premium grace period does not apply to the payment of the first premium on inception of the policy. PREMIUM PAYMENT Premiums are due monthly on the date of billing of your Edgars account. Edgars will notify the Main Insured Person of any non-payment of premium. 30 DAY POLICY REVIEW PERIOD Hollard will provide you with a copy of the policy document and policy schedule within 30 (thirty) days of receiving the application form from you. Where no claim has been instituted in terms of this policy or where no right has accrued to an Insured Person to institute a claim or receive any benefit in terms of the policy, you may, within 30 (thirty) days after the policy documentation has been sent by Hollard, cancel the policy by contacting Edcon Customer Care Services on and informing them of the cancellation. All premiums paid to Hollard during this 30 (thirty) day review period will be refunded by Hollard, subject to the deduction of the cost of any cover actually enjoyed. Such cancellation shall commence on the date of posting such notice. If a premium has been paid for any period beyond the date of cancellation of the policy, Hollard thereof shall refund the relevant portion of the premium. NO PREMIUM NO COVER This policy is conditional upon and will only commence following the payment of the first premium. Premiums are due and payable monthly on the date of billing of your Edgars account. This policy does not acquire any paid up value or surrender value. CANCELLATION You may cancel this policy at any time by giving 30 (thirty) days notice, in writing, to Edgars of the cancellation of the policy. Hollard may cancel this policy at any time by giving 30 (thirty) days notice, in writing, to you of the cancellation of the policy. Such cancellation notice shall be accepted from the date of posting such notice. The cancellation shall commence on the next Premium Due Date of the policy. If a premium has been paid for a period beyond the date of cancellation of this policy, Hollard shall refund the relevant premium. Hollard cannot be held responsible for any damages suffered by you due to cancellation requested by you, where you do not inform the Insured Persons of such cancellation. CONTINUATION OF COVER Following the termination of the policy cover may be: reinstated, subject to Hollard agreeing to such reinstatement and the receipt of all arrear premiums; or restarted, subject to Hollard agreeing to such restart and the receipt of an administration charge. And subject to the terms and conditions advised at the time of the reinstatement or the restart request. PREMIUM AND POLICY AMENDMENTS Hollard may increase the premium amount from time to time by giving you 30 (thirty) days written notice of such increase. Hollard may amend this policy by way of endorsement, provided that any amendment will not affect the extent of cover already provided for and in force in terms of this policy. CHANGES IN DETAILS SUPPLIED Should there be any changes to the original details supplied by you at the time of application of the policy and/or specified in the policy schedule, you must notify Edgars, in writing within 30 (thirty) days of such change occurring. Should you not notify Edgars of such change, Hollard reserves the right to reject liability in terms of a claim or to cancel this policy. CONSENT TO DISCLOSURE OF PRIVATE INFORMATION It is essential for insurance companies to share claims and underwriting information (as well as credit information) in order to enable the fair assessment and underwriting of risks and to reduce the number of fraudulent claims. You hereby waives any right to privacy and consents to the disclosure of any insurance information provided by you or on your behalf for any insurance policy or claim made or lodged by you or on your behalf and you agree to such information being disclosed to any other insurance company, whether on your behalf or on behalf of any person you represent herein. This consent clause will survive the termination for whatever reason of the policy, including the cancellation or lapsing thereof. The information provided may be verified against other sources or databases. CONDITION PRECEDENT Hollard s liability in terms of this policy is conditional on you, or anyone acting on your behalf, complying with all the terms, conditions and warranties of this policy. HOLLARD S LIABILITY Hollard will not be liable to make any payment unless the premium due in terms of this policy has been received, and the applicable documentation, data or medical evidence and satisfactory proof of a claim, as required by Hollard has been provided to Hollard at your, or if applicable the Nominated Beneficiary or appointed Executor s expense. Payment by Hollard of the benefits provided in the event of a valid claim in terms of this policy will be a full and effective discharge by Hollard of its liability and obligations in terms of the policy. No benefit payable under this policy shall carry interest. REJECTION OF CLAIM AND TIME BAR If Hollard declines liability for a claim made in terms of this policy, representation may be made by You to Hollard within 90 (ninety) days of the date of receipt of the letter of rejection. Representation must be submitted in writing to: Edcon Insurance Services, PO Box 87428, Houghton, 2041 Fax: Alternatively, you may contact: The Ombudsman for Long Term Insurance, Private Bag X45, Claremont, 7735 Telephone: Fax: If the dispute is not satisfactorily resolved in this manner, legal action may be instituted against Hollard for the enforcement of the claim by way of the service of summons against Hollard. Summons must be served on Hollard within 180 (one hundred and eighty) days of the expiry of the above 90 (ninety) day period, failing which all benefits in respect of such claim shall be forfeited and no liability can arise in terms of such claim.
6 CLAIM NOTIFICATION PERIOD On the happening of an event, which may result in a claim in terms of this policy, you, the Nominated Beneficiary or appointed Executor shall, at their own expense submit the claim to Hollard. You, the Nominated Beneficiary or appointed Executor must submit to Hollard, the full details in writing of the claim as soon as reasonably possible up to a maximum of 180 (one hundred and eighty) days from the date of the event giving rise to the claim. Hollard shall in no way whatsoever be liable to pay any benefit if the full details of the claim are not received within the maximum period as stipulated above. CLAIM PROCESS Qualified medical advice shall be sought and followed promptly on the occurrence of any accident and Hollard shall not be liable for any claim, which arises from the unreasonable or wilful neglect or failure of an Insured Person to seek and remain under the care of a physician. All certificates, information and evidence required by Hollard shall be furnished in the form prescribed and without expense to Hollard. Insured Persons shall submit to medical examinations on behalf of and at the expense of Hollard as often as shall be required in connection with any claim. Hollard shall be entitled to access any medical and hospital records in relation to an Insured Person s health and make copies of such records. Hollard shall in the event of the death of an Insured Person be entitled to have a post-mortem examination at its own expense where it is not prohibited by law. Any receipt or discharge which Insured Person or their personal representatives or Beneficiary may give to Hollard for any benefit paid under this policy shall be deemed as final and complete discharge of all liability of Hollard in respect of any and every contingency resulting to the Insured Person in consequence of the accidental death or accidental disability whether resulting before or after the date of such receipt or discharge. INTERPRETATION Words importing the singular shall include the plural, and vice versa, words importing the masculine gender shall include the feminine and neuter genders, and vice versa, and words importing natural persons shall include legal persons, and vice versa. The clause headings in this policy are inserted for reference purposes only and shall not affect the interpretation of any of the provisions to which they relate. SPECIFIC DEFINITIONS Unless the contrary appears from the context, the following words and phrases shall have the meanings assigned to them where they appear in this policy: DEFERRED PERIOD Deferred Period means the 6 (six) month period after the commencement of the disability, before a benefit becomes payable. The Insured Person must be continuously disabled throughout this period. HOLLARD Hollard means the Hollard Life Assurance Company Limited. ACCIDENT Accident means a sudden, fortuitous and uncertain event which is caused solely and directly by violent, external, physical and visible means independently of any other cause. HAND A hand is defined as the extremity of the arm beyond the wrist. FOOT The extremity of the leg below the ankle. PERIOD OF INSURANCE The period commencing on the Inception Date or the date that cover is restarted and ceasing one month after the Inception Date or the date that cover is restarted. This period is extended by one month for each additional monthly premium received by Hollard. POLICY SCHEDULE The Policy Schedule is incorporated in and forms part of this Policy and sets out inter alia the Insured Person(s) details, premium(s) payable and the benefits applicable to each Insured Person and may be amended from time to time. INSURED PERSON Insured Person means an individual who is covered in terms of this policy and refers to a person who has been accepted by Hollard as an Insured Person where applied for by you in terms of this policy. An Insured Person will only be covered if the Insured Person is reflected on the Policy Schedule as an Insured Person, and subject to the terms and conditions of this policy. An Insured Person s cover will continue until you notify Hollard of any changes or until cover ceases in terms of the terms and conditions of this policy. Persons who are not reflected on the Policy Schedule will not be covered in terms of this policy. The following Insured Persons may be covered in terms of this policy: MAIN INSURED PERSON or YOU or YOUR The person applying for cover. The person who has been accepted as the Main Insured Person in terms of this policy. PARTNER Partner means the person to whom you or the Main Insured Person (as applicable) is married. Marriage means: a marriage or civil union in terms of statutory law; a union which is recognised as a marriage in terms of any customary or tribal law or under the tenets of any Asiatic religion; or a union where 2 (two) persons are living together as if married (whether in a heterosexual or homosexual partnership), with the commitment of continuing to do so permanently and had been doing so for at least 12 (twelve) consecutive months immediately prior to the Benefit Inception Date and for at least 12 (twelve) consecutive months immediately before a claim is submitted; provided that satisfactory proof is submitted to Hollard regarding the above.
7 CHILD A Child means a Child or Grandchild of the Main Insured Person or Main Insured Person s Partner, where Child is defined as one of the following: a Child by birth, including a Stillborn Child, during the Period of Insurance, a step-child, an illegitimate Child and an adopted Child, a Child in respect of whom the Main Insured Person has been appointed as the legal guardian (in certain special circumstances) and where the Child is not a Child by birth, a step-child, an illegitimate Child or an adopted Child, provided that satisfactory proof of such status is submitted to Hollard. A Stillborn Child means a child born following 28 (twenty-eight) weeks of pregnancy and not as a result of any wilful abortion. A Grandchild means a Child of any of the Main Insured Person s Children or the Main Insured Person s Partner s Children and where both parents of the Grandchild are deceased or where the Grandchild is a Dependant of the Main Insured Person or the Main Insured Person s Partner, provided that satisfactory proof of such status is submitted to Hollard. INCEPTION DATE The Inception Date will be the later of the Benefit Inception Date, Restart Date and Policy Inception Date specified in your most recent Policy Schedule. POLICY INCEPTION DATE The date of receipt of the first premium. BENEFIT INCEPTION DATE The Benefit Inception Date is set out in your most recent Policy Schedule is the date from which you are covered in terms of this policy. RESTART A restart occurs when a policy which has lapsed or been reflected as not taken up (NTU d) (status is out-of-force) is returned to a position similar to that it was in before it lapsed (i.e. returned to an in-force premium paying status or quote status for NTU d policies). No arrear premiums are payable on a restart. However, an admin charge is payable. RESTART DATE The date of receipt of the first premium after Hollard agreeing to restart cover under this policy. REINSTATEMENT A reinstatement occurs when a policy which has lapsed (status is out-of-force status) or been made paid-up (status is in-force and not premium paying) is returned to the position it was in before it lapsed or became paid-up (i.e. returned to an in-force premium paying status). All arrear premiums are payable before a reinstatement will be effected. (Note: The partial payment of arrear premiums is not allowed.) REINSTATEMENT DATE The date of termination of the policy subject to Hollard agreeing to reinstate cover under this policy. PREMIUM DEBIT DATE Premium Debit Date is the day in each month on which Hollard will debit the Premium Payer s Account. PREMIUM DUE DATE Premium Due Date is the day in each month on which the premium is payable to Hollard to extend the Period of Insurance. PREMIUM PAYER The Premium Payer is the Main Insured Person. DEPENDANT Dependant means a person who is financially dependent on the Main Insured Person or Main Insured Person s Partner at the date of application and immediately prior to the Dependant s death. HAZARDOUS or PROFESSIONAL SPORTS / ACTIVITIES Including but not limited to participation in the following sports on an income-earning basis or participating in the following sports more than once a month: aviation sports, paragliding, underwater diving necessitating the use of an artificial breathing apparatus, hanggliding, hunting, spear-fishing, rock-climbing or mountaineering necessitating the use of ropes and guides, motor boat racing, motor racing, motor-cycle racing, sky diving/parachuting, target shooting, parasailing, go-carting, drag-racing, rally driving, bungee jumping, inter sports involving snow or ice, or racing other than on foot.
8 FAIC WE COVER YOUR WORLD YOUR LIFE PERSONAL/FAMILY ACCIDENT PLAN EDGARS LIFE COVER PERSONAL FUNERAL PLAN PARENT FUNERAL PLAN FAMILY FUNERAL PLAN FAMILY PROVIDER PLAN ACCOUNT PROTECTION PLAN YOUR HEALTH HOSPITAL CASH BACK DENTAL ACCIDENT PLAN DENTAL HEALTH PLAN YOUR STUFF EDGARS HOME PROTECT CELLPHONE INSURANCE YOUR LAWYER EDGARS LEGAL INSURANCE Call to enrol for any of the above products. Visit for more information. Pol ver: Mkt ver:140307
Underwritten by Hollard Life Assurance Company Limited, a registered Insurer and an authorised Financial Services Provider. Edcon is a juristic representative of Hollard. Terms and Conditions apply. POLICY
That Easy SIMPLE INSURANCE FROM EDGARS PARENT FUNERAL PLAN Underwritten by Hollard Life Assurance Company Limited, a registered Insurer and an authorised Financial Services Provider. Edcon is a juristic
THAT EASY SIMPLE INSURANCE FROM JET JET FAMILY FUNERAL PLAN Underwritten by Hollard Life Assurance Company Limited, a registered Insurer and an authorised Financial Services Provider. Edcon is a juristic
That Easy SIMPLE INSURANCE FROM EDGARS EDGARS LIFE COVER Underwritten By Hollard Life Assurance Company Limited (Reg No. 1993/001405/06) an Authorised Financial Services Provider. Edcon is a juristic representative
Accidental Death Policy Wording This is your Hollard Policy Wording. Hollard has set out the details of the policy for your information. Hollard has appointed Finrite Administrators (Pty) Limited ( Finrite
SCORPION FuNeRal PlaN POlICY DOCuMeNT A maximum fee of 45% of gross written premium is paid out in commisions. SCORPION FuNeRal PlaN Underwritten by HOLLARD LIFE ASSURANCE COMPANY LIMITED (Reg. No. 1993/001405/06)
VIRGIN MONEY FUNERAL PLAN POLICY AGREEMENT If an application for insurance is made by the policyholder in respect of the assured life (lives) named in the Policy Schedule provided, and this has been accepted
That Easy SIMPLE INSURANCE FROM EDGARS CELLPHONE INSURANCE Underwritten by The Hollard Insurance Company Limited, a registered Insurer and an Authorised Financial Services Provider. Edcon is a juristic
This document will help you understand the finer details of your Discovery Life Funeral Plan FUNERAL PLAN GUIDE Terms and Conditions for the Discovery Life Funeral Plan 1. Introduction 1.1 The Discovery
SOUTH AFRICA CONTENTS As a Jet account holder you have access to a wide range of affordable, high-quality insurance and financial products which include: YOUR LIFE Jet Accident Insurance Plan Jet Family
Sanlam icover Funeral Plan Policy Document Thank you for buying the Sanlam icover Funeral Plan Starter Pack. Choose one of the policies in the Starter Pack for you and your loved ones and take a step closer
Instant Life Family Funeral Cover Policy Document Be Assured. Prosper Family Funeral Cover Welcome to Instant Life. We are a predominantly online insurance administrator operating from offices in Johannesburg,
EXTENDED WARRANTY POLICY WORDING Underwritten by Guardrisk Insurance Company Limited, an Authorized Financial Services Provider, FSP license number 75. Tracker Agility (Pty) Limited is an Authorized Financial
Canara HSBC Oriental Bank of Commerce Life Insurance esmart Term Plan UIN 136N023V01 TERMS AND CONDITIONS 1. Introduction, Interpretation & Definitions 1.1. Introduction: This Policy document evidences
ACCIDENTAL DEATH AND DEBILITY COVER MASTER POLICY WORDING Master Policy Wording No.: THIC/ADD/2014 In consideration of and conditional upon the prior payment of the premium by or on behalf of the Insured
BP/FFS/INTRO The Philip Williams and Company Insurance Management Sickness and Accident Insurance Policy For The Trustees of The Cheshire Police Federation Insurance Trust (The Insured) Underwritten By
Absa Insurance Company Limited, Reg No 1992/001737/06 Absa Hospital Accident Plan Policy Contents Terms of contract Description of cover Definitions Table of Benefits General Conditions Claims information
TFG OPTIONAL INSURANCE Funeral Plan Policy & Disclosure Notice (collectively, the POLICY ) 1. INSURER: This Policy is underwritten by Guardrisk Life Limited (1999/013922/06) ( GUARDRISK ). 2. TYPE OF POLICY:
LIFE INSURANCE POLICY DOCUMENT For Employees (as Voluntary Insured Members) Participating Employer (Universities of NZ) (the employer) Administered by Marsh (the policy owner) Insured by Sovereign Assurance
LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR PETOSKEY PUBLIC SCHOOLS SCHOOL NUMBER 198 SUPPORT STAFF WITH AND WITHOUT HEALTH The benefits for which you are insured are set forth in
Lloyd s Accident and Illness Insurance (UK) You have applied to us for insurance and this document is the contract of insurance setting out the details of the insurance which you have requested. In deciding
Business Insurance Personal accident section Contents of this section Meaning of defined terms 1 What is covered 3 What is not covered 3 Section conditions 4 Personal accident Your policy schedule will
AMI Life Injury Insurance Policy wording What you need to know about your policy Please read your policy wording and schedule carefully to ensure it meets your needs. If there is any error please contact
ENROUTE IN-CAR INSURANCE POLICY WORDING The Insured named in the Schedule has applied to The Hollard Insurance Company Limited (hereinafter referred to as the Company ) for this Insurance herein contained
Woolworths Life Insurance Woolworths Life Insurance Accident Only Product Disclosure Statement Issue date: 16 April 2015 Issue number: 5 Welcome to Woolworths Life Insurance Accident Only Explaining this
usecure Underwritten by ALWAYS LOOKING OUT FOR YOU FAMILY FUNERAL PLAN CLASSIC POLICY TERMS AND CONDITIONS 086000 8322 ubank.co.za ubank Ltd Reg No. 2000/013541/06. ubank is an authorised financial services
b o n l i f e Bonben Assurance Namibia Limited Registration Number: 96 / 391 CERTIFICATE OF PARTICIPATION (NUMBER BONLIFE/01/07/14/DB) ISSUED to INVESTMED LTD Reg No. 2008/0614 SCHEDULE OF INSURANCE Policyholder:
Kotak Permanent Disability Benefit Rider UIN (107B002V03) A. DEFINITIONS: 1. Accident: PART B An accident is a sudden, unforeseen and involuntary event caused by external, visible and violent means. 2.
Business Cover Professional - Business Continuation Cover SECTION A - DEFINED TERMS DEFINED TERMS In this Policy certain words have particular meanings. These words are in Bold and the meanings set out
Proposed Policy wording Absa Accidental Death and Permanent Disability Plan March 2011 Contents Terms of contract This explains the basis of the contract Description of cover This explains the cover and
CIBC Guaranteed Acceptance Life Insurance Policy 30-DAY REVIEW PERIOD As the Owner You can cancel this Policy at any time by contacting us at the number below or writing to the address below. If You cancel
Basic Life Group Insurance for School Employees Good health. Good business. Great schools. The Life Insurance Company of North America (LINA) benefits for which you are insured are set forth in the pages
LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR OSCODA AREA SCHOOLS SCHOOL NUMBER 626 TEACHERS WITH HEALTH The benefits for which you are insured are set forth in the pages of this booklet.
LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR MONROE CO COMMUNITY COLLEGE SCHOOL NUMBER 704 TEACHERS The benefits for which you are insured are set forth in the pages of this booklet.
Saga Guaranteed Life Insurance Your Policy Provisions Saga Guaranteed Life Insurance is provided by VitalityLife. Contents 1. General description 2. Policy conditions 2.1 Definitions 2.2 Policy duration
Aussie Funeral Plan Product Disclosure Statement Issue date: 5 July 2010 Aussie Funeral Plan is issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37 062 395 484 of Level 7, 70 Phillip Street,
ACCIDENTAL DEATH INSURANCE Policy Document This product and Policy Document are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the brand, AAMI. Contents 1.0 Important
Group Life Assurance Registered Policy Terms and Conditions GLA Policy Conditions and Definitions/06.11(4) GENERAL CONDITIONS 1. PERIOD OF POLICY Subject to the provisions of these General Conditions this
Specimen copy of the Master Policy Life Protection for Superannuation Accounts Asgard Capital Management Limited ABN 92 009 279 592 AFSL 240695 is the Trustee and Administrator and is the owner of this
1 POLICY WORDINGS OF ANTICIPATED ENDOWMENT (BV-NA14, NA15, NA16, NA17 & NA18/2003) (9, 12, 15, 18 AND 21 YEARS) Trade name: AN GIA TAI LOC (Approved in Official Letter No. 7546 TC/TCNH dated July 22, 2003)
Product Disclosure Statement Issue date: 14 December 2015 Issue number: 6 Accident Only Woolworths Life Insurance 2 Welcome to Woolworths Life Insurance Accident Only Explaining this document This Product
Funeral Plan Policy Document Rewarding experience This product and policy document are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the brand, Apia. Contents 1.0.
Terms and Conditions for Credit Life on Small Business and Small Business Owner Loans Definitions For the purpose of this policy, the following definitions shall apply unless the context otherwise requires:
GIO Funeral Insurance Product Disclosure Statement and Policy Document Prepared on: 19 September 2014 Effective date: 20 October 2014 This product and combined Product Disclosure Statement and Policy Document
GROUP PERSONAL ACCIDENT AND SICKNESS INSURANCE POLICY IMPORTANT YOUR DUTY OF DISCLOSURE Before You enter into a contract of insurance with an insurer, You have a duty to disclose to the insurer every matter
Group Personal Accident Insurance Product Summary Smartcare Shield (Private Education Institution) Product Information This insurance plan will pay a lump sum benefit when the Insured Member sustains accidental
PERSONAL ACCIDENT YOUR PERSONAL ACCIDENT INSURANCE POLICY Everything you need to know. GENERAL PROVISIONS 1. The Insured or the Policyholder is requested to read this Policy carefully and to advise the
Work Injury Compensation Insurance (Contract) Policy Wordings Please read this insurance Policy carefully to ensure that you understand the terms and conditions and that this Policy meets your requirements.
Group Term Life Insurance HCC Life Insurance Company (A stock insurance company) CERTIFICATE OF INSURANCE Policyholder: SAMPLE CONTRACT Policy Number: 1234 Policy Effective Date: XX/XX/XXXX Policy Anniversary
ACCIDENTAL DEATH INSURANCE Product Disclosure Statement This product and Product Disclosure Statement are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the brand,
Suncorp Funeral Plan Policy Document Contents 1.0 Important information 3 2.0 Cooling off period 4 3.0 When does cover start and stop? 4 4.0 Benefits under this policy 5 5.0 Your premium 7 6.0 Claims 8
Bajaj Allianz Life Insurance Company Limited Bajaj Allianz Group Accidental Permanent Total/Partial Disability Benefit Rider As per Base Policy Part A FORWARDING LETTER PREAMBLE This Group Accidental Permanent
Dated 9 September 2004 MASTER INSURANCE POLICY (SAMPLE) BETWEEN PRIVATE EDUCATION ORGANISATION AND NTUC INCOME Page 1 of 11 Student Protection Scheme NTUC INCOME Student Tuition Fees Insurance Policy INTRODUCTION
Suncorp Funeral Plan Product Disclosure Statement Prepared on: 14 February 2014 Effective date: 12 March 2014 Important information This is the Product Disclosure Statement (PDS) for Suncorp Funeral Plan.
Aus Income Protection, Life and Total and Permanent Disablement Insurance for Avant Doctors Combined Financial Services Guide and Product Disclosure Statement Avant Insurance Limited ABN 82 003 707 471
Gold Disability Income Cover Policy This is your Gold Disability Income Cover Policy. It is an important document and should be kept in a safe place. Please take the time to read this document. Contents
Policyholder: BOB JONES UNIVERSITY Group Number: GA0845 Class: All Full Time Eligible Employees Voluntary Group Term Life Insurance This is your Certificate of Insurance. It describes the coverage selected
Personal Accident and Accidental Death Benefit Policy Wording This Policy has been arranged by Motorplus Limited (trading as ULR Additions) with Qdos Broker & Underwriting Services Limited and is underwritten
EMPLOYEE BENEFITS LIFE INSURANCE PLAN AXA China Region offers:- Security for the dependants of your employees Low cost life insurance cover Benefit payable for death from any cause Competitive rates Efficient
Work Injury Compensation Insurance (Annual) Policy Wordings Please read this insurance Policy carefully to ensure that you understand the terms and conditions and that this Policy meets your requirements.
Funeral Plan Product Disclosure Statement Rewarding experience This product and product disclosure statement are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the
Gold Disability Income Cover Here is some important information about Gold Disability Income Cover. Please read this policy document and then keep it in a safe place. 1 Please take the time to read this
GROUP INSURANCE CERTIFICATE STANDARD INSURANCE COMPANY certifies that you will be insured under the Group Policy described below during the time, in the manner, and for the amounts provided in the Group
HSBC Life Cover (Level and Decreasing) Everything you need to know for: Personal Protection and Business Protection 2 Contents Section Page Policy Summary 3 Type of Insurance and Cover 3 Significant Features
HealthSure Personal Accident Cover and Accidental Death Cover Terms and Conditions 1 Conditions a) If compensation is payable in respect of one Insured Person under more than one form of Permanent Disability
Life and Accident Insurance Honda offers basic life and accident insurance and business travel insurance benefits for you or your survivors in the event of your accidental death or serious injury. Table
Individual Personal Accident Certificate SC3342014199 /12 Introduction The Insured must read this Certificate and ensure that it meets their requirements. Any change to the information in the Schedules
Seniors Final Expenses Insurance Product Disclosure Statement Issue Date: 8 July 2015 The Over 50 s Insurance Specialists Australian Seniors Final Expenses Insurance is issued by Hannover Life Re of Australasia
Suncorp Life Protect Product Disclosure Statement Prepared on: 20 February 2015 Effective date: 30 March 2015 Important Information This is the Product Disclosure Statement (PDS) for Suncorp Life Protect.
Policy document Group Salary Continuance Employer non-superannuation DRAFT ONLY Contents 1 Important information about this policy 2 1.1 Introduction 2 1.2 Policy commencement 2 1.3 Interpreting the policy
GROUP INCOME PROTECTION PROACTIVE PROTECTION PROVIDED BY METLIFE POLICY TERMS & CONDITIONS 1 CONTENTS 1. The policy 2 2. Definitions 3 3. Minimum requirements for the policy 7 4. Eligible employees and
Personal Accident Policy Wordings Please read this insurance Policy carefully to ensure that you understand the terms and conditions and that this Policy meets your requirements. If there are any changes
GIO Funeral Plan Product Disclosure Statement This product and Product Disclosure Statement are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the brand, GIO. Important
Guaranteed Issue Whole Life Contract General Provisions The contract takes effect on the Policy Date shown in the Benefit and Premium Information Schedule only if the policy has been delivered to the Insured
LIFE COVER POLICY BOOK 1Life Insurance Ltd (Reg No. 2005/027193/06) is an authorised financial services provider (FSP licence number: 24769). Contents Your policy documents... 3 Life insurance jargon explained...
CREDIT CARD DEBT PROTECTION PLAN First National Bank a division of FirstRand Bank Limited. An Authorised Financial Services and Registered Credit Provider. Company Reg. No. 1929/001225/06 NCA Reg No. NCRCP20
Pension Guaranteed Term Protection - Personal Customer Guide Introduction This guide applies to the Zurich Life Pension Guaranteed Term Protection - Personal Plan. Zurich Life Assurance plc ( Zurich Life
CREDIT CARD TOP-UP DEBT PROTECTION PLAN First National Bank a division of FirstRand Bank Limited. An Authorised Financial Services and Registered Credit Provider. Company Reg. No. 1929/001225/06 NCA Reg
Guaranteed Lifelong Protection Plan Conditions 1. WORDS WITH SPECIAL MEANINGS Where the words we, us or our are used in the Plan they refer to Aviva Life & Pensions UK Limited. The words you or your refer
Credit Card Debt Protection Plan Personal Banking First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). FNB Credit Card Debt Protection
1 Funeral Protection Product Disclosure Statement and Policy Document Version 1 Issued 15 August 2011 The Power of We AIA.COM.AU About this booklet We suggest that you keep this booklet in a safe place.
Personal Accident Terms & Conditions What the Personal Accident policy covers The Personal Accident policy provides you with invaluable cover if you are injured and admitted to hospital or you are disabled
Guaranteed Whole of Life Cover Peace of mind for the whole of your life Contents Protection Cover from Aviva Page 1 Guaranteed Whole of Life Cover Page 2 Your plan benefits Page 3 The premiums Page 6 Guaranteed