FUNERAL COVER 

POLICY WORDING 

WHAT YOU ARE COVERED FOR:  

1Life Insurance Limited, a licensed life insurer and authorised Financial Services Provider (FSP 24769) will provide cover  under the 1Life Funeral Cover, as described in this document, subject to the continued payment of the premium and  adherence to the terms and conditions of this Policy. The Policy commences on the first day of the month following the  successful payment of premium and the acceptance of these terms and conditions. Cover remains in force as long as the  monthly premium is paid. Non-payment of the premiums will lead to the cancellation of the policy subject to Rule 15A of  the Policyholder Protection Rules.  

The cover provided by this Policy will apply to a maximum of 12 (twelve) assured lives, where an insurable interest  exists, per the following categories: 

• the Principal Insured; 

• the Spouse/s of the Principal Insured (legal or common law marriage Spouse/s); 

• the parents of the Principal Insured and/or the Spouse/s; 

• the Children of the Principal Insured (including biological, adopted and fostered children of the Principal Insured). 

To be eligible for cover under the Policy the following conditions must be met at entry date: • The Principal Insured must be between the ages of 18 and 80 years (i.e. younger than age 81 next birthday);  • The Beneficiary of the Principal Insured must be 18 years or older, (the Principal Insured is the beneficiary of any  other life on cover under this policy); 

• Any parents of the Principal Insured or his/her Spouse/s must be between 21 – 80 years of age (i.e. younger than  age 81 next birthday); 

• Children aged between 0 – 6 years are eligible for cover to a Maximum of R20 000; 

• Children aged between 6 – 14 years are eligible for cover to a Maximum of R50 000; 

• No family member may hold cover higher than that of the Principal Insured.  

• A stillborn child of the Principal Insured or his Spouse, aged from 26 weeks pregnancy until birth, is eligible for  complimentary cover of R5 000. Only one stillbirth will be accepted during the term of this Policy. • Unmarried children will be covered up to and including the age of 25 years provided they are studying at a  recognised school or tertiary institution. This is subject to the provision of satisfactory evidence (annually) of  registered study at a recognised school or tertiary institution. Without proof of such study, the maximum age for  cover will be up to and including 21 years of age. 

SPECIFIC TERMS AND CONDITIONS APPLICABLE TO THE FUNERAL COVER  

• The Policy is based on the information provided during the application process and will be assumed to be correct.  The application process can only be completed once all required information and/or data has been provided.  • A total of 12 (twelve) members may be on cover at any one time, this being the Principal Insured and 11 (eleven)  family members. 

• All members on cover must be below 80 years of age at entry date to the policy and cover ceases for a member  when he/she reaches Cessation Age of 85 years (86 years at the next birthday). 

• Once the Principal Insured’s cover ceases (Principal Insured dies or Cessation age is reached, or the Policy is  cancelled or lapsed), the funeral benefit for Spouse, Children and Parents cease immediately. No continuation option  is available, i.e for example, on the death of the Principal Insured, and the deceased Principal Insured’s Spouse  and/or Children and/or Parents wish to maintain the funeral benefit cover, a new Policy must be taken out or incepted.  

• Cover under this policy can no longer be provided once the Principal Insured reaches Cessation Age of 85 years (86 years at the next birthday) has been reached.  

• A 31 (thirty-one) day grace period is allowed in respect of payment of premiums. 

• Should premiums not be paid which leads to the Policy lapsing or premiums not being received within the grace  period, cover will cease. Should the policy be reinstated within two months from lapsing, only the portion of the waiting  period which was not completed will apply. Should the policy be reinstated after two months of lapsing, all waiting  periods will apply.  

• If the Principal Insured dies, the person loaded as the nominated Beneficiary will receive the benefit, subject to the  terms and conditions of the Policy. 

• Should a policy lapse, cover will cease and there will be no benefits payable under the policy. Reasonable attempts  will be made to notify the Principal Insured by SMS. 

• The premium rate shall be recalculated at any point where there is a change in membership (either adding or  removing members). 

• The premium is also subject to review by the Insurer at any time with 31 (thirty-one) days written notice provided to  Principal Insured. 

EXCLUSIONS & WAITING PERIODS APPLICABLE TO THE FUNERAL COVER Payment of benefits is subject to: 

• There is no waiting period for Accidental Death provided the first premium is received. The Principal Insured is  covered from the first day of the month following the successful collection of the first premium and will remain covered  provided the monthly premium is paid, consecutively. 

• A 6 (six) month Waiting Period of monthly premium payments, 6 months and 6 paid premiums, applies from date of  receipt of the first month’s premium for claims due to natural causes. This Waiting Period may be Waivered if the  Principal Insured can provide sufficient proof of previous Funeral Cover by another provider, not older than 31 (thirty one) days.  

• A 12 month and 12 paid premium exclusion applies from the original commencement date for death directly or  indirectly related to, accelerated by, or attributed to suicide or attempted suicide irrespective of whether such suicide  or attempted suicide is the result of temporary or permanent insanity, mental illness, the influence of drugs or  intoxication of the member.  

• Benefits will not be paid in respect of an assured life which is permanently resident in a foreign country and who does  not have a South African identity document. 

• 1Life will not honour a claim which is directly or indirectly caused by: 

o Wilful exposure to danger or participation in a criminal act. 

o War, riots, terrorist activities, radioactivity or nuclear activities 

o Other conditions like non-payment of premiums, policy lapse, cancellation, waiting periods not being met.  • The number of policies that can be purchased per individual is limited by the maximum amount payable by the Insurer  of R100 000 under all active policies, subject to a maximum of R50 000 per policy. 

• There are no surrender values to this policy, the benefits may not be ceded or pledged in any way and no loans will  be accepted against this policy.  

GENERAL POLICY DEFINITIONS 

Accidental Death 

An unforeseen event which could not reasonably have been expected to occur. The event must result in death caused  directly and independently of all other causes by some external and visible means arising from this event, and excludes  death by natural causes. 

Beneficiary 

The person/s as nominated by the Principal Insured to receive the benefit, subject to the terms and conditions as set out  in the policy wording, on the death of the Principal Insured. The Beneficiary is not necessarily a member whose life is  covered by this Policy. Beneficiaries must be nominated at time of sale and may be amended any time prior to the Principal  Insured’s death. 

Cancellation 

The Insurer as well as the Insured may cancel the policy upon providing 31 days’ written notice to the Insurer or the  Insured at its last known recorded contact details on its system.  

Cessation Age 

The age at which cover can no longer be provided to the Principal Insured or any assured lives on cover under the policy,  this being 85 years of age (86 at the next birthday).  

Children 

The Principal Insured’s biological and/or legally adopted or foster children. 

Cooling Off Period 

An opportunity for the Principal Insured to cancel the Policy, provided no benefit has been paid or claimed within a period  of 31 days after confirmation of cover or any variation of such policy initiated by the Principal Insured. All premiums already  paid may be refunded in accordance with the Policyholder Protection Rules. 

Family member 

The Spouse/s, children and/or Parents of the Principal Insured. 

Parents  

The natural or adoptive parents of the Principal Insured and/or his/her Spouse/s.  

Period of Insurance 

A Principal Insured is covered for as long as the premium is received and the Principal Insured remains alive. Upon the  death of a Principal Insured, cover ceases. 

Premium  

The monthly amount payable to the Insurer for the Funeral Cover. 

Principal Insured or Policy Holder 

A person who qualifies for funeral cover (by being between the ages of 18 - 85 years inclusive) and who pays the premium.

Spouse 

The legal or common law husband/wife of a Principal Insured or such person residing with the Principal Insured for a  period of longer than 6 calendar months, who is normally regarded by the community as the Principal Insured’s  husband/wife. 

Stillborn child 

A stillborn child not breathing at birth, born to the Principal Insured or Spouse after a minimum of 26 weeks of pregnancy. 

Suicide 

The act or an instance of taking one’s own life. 

Waiting Period/s 

The period, subject to the provisions of the Policyholder Protection Rules, during which a policyholder and/ or insured is  not entitled to policy benefits.  

Waiver 

Specific instances whereby the Insurer at their discretion, may choose not to enforce Waiting Periods or Exclusions. 

HOW DO I CLAIM? 

For any claim event, there is a 6 (six) month period in which to lodge a claim from the date that the event occurred. The  claimant must complete all relevant documentation required within 30 days. All outstanding premiums on the policy shall  be offset against the claim amount. 

The following documents/photographs must be provided for consideration of a claim: 

• Completed claim form; 

• Certified ID copy of the Principal Insured and person lodging the claim, such as the Beneficiary; • Certified copy of death certificate; 

• Certified ID copy of the deceased; 

• Proof of banking details; 

• Proof of relation to the Principal Insured, such as: 

o Certificate to proof legal or customary marriage.  

o Birth or adoption certificate of proof of financial dependence of children.  

o Birth certificate of Principal insured or Spouse in respect of their parent. 

• For a stillborn death, ID document of the mother and an unabridged death certificate from the hospital; and • For an unnatural death, a copy of the police report from SAPS or accident report. 

Further evidence/documentation may be requested in support of your claim. The Insurer undertakes to finalise a claim  within 2 business days of all claim documentation been received. Payment of the benefits provided in the event of a valid  claim in terms of the policy will be full and effective, discharging the insurer and the administrator of its liability and  obligations in terms of the policy. All payments will be in South African Rands into a South African bank account, and no  benefit payable under this policy shall carry interest.  

For ALL CLAIMS contact Monitor Administrators via: 

Tel: 031 812 2058 

Email: Secure-us@monitorsa.co.za 

REPUDIATION OF A CLAIM 

Should you, as the insured party, wish to dispute the rejection of your claim, you have 90 (ninety) days to submit a dispute  to Tel: 031 818 0000 or complaints@monitorsa.co.za. Should you remain unsatisfied you have 180 (one hundred and  eighty) days from the date of the initial rejection letter to institute legal action by way of the service of Summons against  the Insurer, failing which you will forfeit your claim and no liability will arise in terms of such claim. Details of the Long  Term Insurance Ombudsman are detailed in the disclosure notice should you not be satisfied with the outcome of your  claim.  

GENERAL CONDITIONS 

• If you do not abide by the terms and conditions of this Policy, you will not be entitled to any benefit under this Policy. • If you provided us with false, fraudulent or misleading information when you applied for cover under this Policy, and  this information would have affected the decision to insure you, your cover under this Policy will end. If a claimant  gives false or misleading information when making a claim, no benefit will be received/paid under this Policy and the  cover under this Policy will end. 

• If any benefit is paid as a result of a false claim, the claimant will have to repay any benefits they have received and  the Insurer may take legal action against them. 

• The rights under this Policy cannot be transferred to anyone else and this Policy cannot be used to protect any person  other than you. 

• When your cover under this Policy ends it will not have a cash value nor will any cash backs be payable in terms of  this Policy.

• This Policy may be cancelled at any time by either party giving 31 (thirty-one) days’ notice in writing.  • You MUST notify the Administrator or Intermediary FSP within 31 (thirty-one) days of any changes to any personal  information that may affect the Insurer’s liability under your Policy. 

• The laws of the Republic of South Africa govern this Policy. 

• Your premium may be collected on a different date due to a public holiday or weekend.  

REMUNERATION 

Remuneration is payable to third parties that render services to you as the policyholder and to 1Life. This may include  commission and other fees. For further information refer to the disclosure notice below.  

TREATING CUSTOMERS FAIRLY 

This product has been created to meet the needs of our clients. Treating Customers Fairly ("TCF") framework Principals  are viewed seriously by the Insurer and all 6 (six) outcomes, as stated below, are practiced at all times. We will, in all our  interactions with any customer, endeavour to deliver excellent customer experiences which we will achieve through the  ongoing review of all our business practices and analysis of complaints. It is our objective to be fair in our treatment of all  customers and partners and being compliant, in all aspects, of the 6 (six) outcomes of the TCF framework.  

These outcomes are:  

• We are confident that your fair treatment is key to our culture; 

• Products and services are designed to meet your needs; 

• We will communicate clearly, appropriately and on time; 

• We provide advice which is suitable to your needs and circumstances; 

• Our products and services meet our clients standards and are of an acceptable level; and • And there are no barriers to access our services or to lodge any complaints. 

DATA PRIVACY STATEMENT 

In order to provide you with our services, we are required to process your personal information and will do so in accordance  with our business requirements and legal obligations. You acknowledge that your personal information may be verified  and/or processed for insurance, financial services and risk management purposes by the TIH Group of Companies and  its associates against any other reasonable and legitimate sources or databases. This is to ensure the accuracy and  completeness of any personal information provided on an ongoing basis. 

We will process your personal information for the following purposes: 

• Quoting, underwriting, pricing, servicing and executing of insurance and other financial services • Assessing of financial and insurance risks. 

• Assessing and processing of claims and complaints. 

• Developing and improving of products and services 

• Credit referencing and/or verifying of personal information. 

• Fraud prevention and detection. 

• Market research and statistical analysis. 

• Auditing and record keeping. 

• Compliance with legal and regulatory requirements. 

• Sharing of information with service providers and other third parties with whom we engage or who render services to  us, to process such information on our behalf. 

• Sharing of insurance and claims information with other insurers and industry bodies for legitimate reasons, such as  fraud prevention and claims validation. 

We may transfer your personal information outside the borders of South Africa, if required, to provide any of the services. 

You may access your personal information that we hold and may object to the processing of your personal information,  or request us to correct any errors, or delete this information if there is no legitimate reason for us to maintain it. Please  view our Privacy Policy and Access to Information Manual on our website for further information. 

You have the right to complain to the Information Regulator if you feel we are unlawfully processing personal information.  The Information Regulator’s details can be found by visiting https://www.justice.gov.za/inforeg/