Your chosen level of cover is detailed in your policy schedule.  Any compensation made by the Insurer is subject to: 

1. the terms, limitations and conditions of this policy;  

2. the incident causing the Accidental Death occurring within the period of insurance; and the incident causing the Accidental Death occurring within the Republic of South Africa. 

14.3 PERIOD OF COVER AND PREMIUMS:  

Cover commences once you have paid your first premium.  Cover is ongoing, subject to timeous payment of monthly premiums.  Premiums are payable by You on a monthly basis.  If you do not pay monthly premium on the due date, you have a grace period of 15 days within which to pay the premium.  Premiums must be made on a continuous monthly basis to ensure uninterrupted cover.  Nonpayment of the premiums will lead to the cancellation of the policy subject to Rule 15A of the Policyholder Protection Rules. 

14.4 WHAT IS NOT COVERED: 

We will not pay a claim where Your death or injury occurs: 

1. whilst or as a result of participation in: 

1. Mountaineering necessitation the use of ropes; 

2. Big game hunting; 

3. Sport as a paid profession, polo on horseback, steeple chasing, parachuting, winter sports involving snow or ice, ice hockey, skydiving or hang gliding; and  

4. Speed or duration tests or racing (other than on foot, on a bicycle or in a yacht); 

1. whilst riding a motor cycling, motor quad cycling or motor tri-cycling;  

2. whilst traveling in an aircraft: 

1. not licensed for the carriage of passengers; 

2. piloted by a person not licensed for the purpose for which it was being used; and/or 

3. as a member or acting member of the crew for trade or technical operation connected with the aircraft; 

1. from an incident occurring outside of the Territorial Limits above;  

2. whilst being under the influence of intoxicating liquor or drugs, unless prescribed by a medical practitioner other than the member themselves and taken in accordance with medical advice; 

3. as a result of participation in any riot, civil commotion, labour disturbance, strike or lockout or public disorder or any act or activity which is calculated or directed to bring these about; xi) through natural causes; 

4. through wilful misconduct, intentional self-injury or suicide;  

5. from any serious physical or mental defect or infirmity from which the Insured Person was suffering before the incident; 

6. from minor accidents sustained in day-to-day living; 

7. more than 12 months after the accident; and  

8. whilst performing or attempting to perform: 

1. any act whether on behalf of any organisation, body or group of persons calculated or directed to overthrow or influence any State or government, or any provincial, local or tribal authority with force, or by means of fear, terrorism or violence; and 

2. any act which is calculated or directed to bring about destruction or damage or bodily injury in order to further any political aim, objective or cause, or to bring about any social or economic change or in protest against any State or government or any provincial, local or tribal authority or for the purpose of inspiring fear in the public or any section thereof. 

14.5 WHAT MUST HAPPEN IN THE EVENT OF A CLAIM: 

14.5.1 In the event of a claim in terms of the policy, you must, as soon as reasonably possible after the event, report the incident to Monitor Administrators by: 

 Phone: 031 812 2058  

Email:  Secure-us@monitorsa.co.za 

14.5.2 Within 30 (thirty) days of the notification of the claim submit all relevant information and details of the claim that may have requested or the claim may be repudiated.  These include: 

1. Completed claim form with supporting and accident report and medical reports; 

2. Certified copy of Your ID; 

3. Certified copy of Your death certificate (if applicable); 

4. Certified copy of the ID of the nominated beneficiary (if applicable). 

14.5.3 For a claim to be valid: 

a.) the Accidental Injury must be as a direct result of: 

1. a sudden and unforeseen accident requiring urgent and immediate attention; which 

2. incurs emergency expenses; and  

3. where the lack of such immediate attention would jeopardise you or your staff members’ ability to perform in the workplace.  

b.) the Death or Permanent Total Disability (PTD) must be as a direct result of: 

1. a sudden and unforeseen accident; which can occur anywhere (not only at the business address) and;

2. at any time of the day (not only during business hours).   

14.5.4 Upon submission of a claim by you, and assessment of the validity of that claim by us, we will settle: 

1. A single lumpsum following expenses arising from accidental injury;  

2. A single lumpsum payment for Death; 

3. A single lumpsum payment for Permanent Total Disability, in accordance with the compensation percentage table, detailed in Annexure A; and/or 

4. A weekly payment for Total Temporary Disability, up to a maximum of 52 weeks. 

All settlements are made in accordance with the maximum insured value or time period, per your chosen level of cover, as stated in your policy schedule.  

14.5.5 If you do not comply with the conditions above, the claim may be repudiated.   If more than 60 (sixty) days has elapsed from the date of the accident giving rise to the claim and you have not notified Monitor of the accident, your claim may be rejected.  

14.5.6 If your claim is rejected, you have 90 (ninety) days to make representation to us, via Monitor Administrators, about our decision. If the dispute is not resolved you may institute legal action against us. You must do this within 6 (six) months after the 90 day period. Failure to do so will result in you forfeiting your claim and we will not be liable for any payment in respect of the claim. 

Note: 

1. There is no excess (first amount payable) applicable to Personal Accident claims.  

2. The first R500 on any claim is not covered and is for your own account. 

14.6 CRISIS CONCIERGE COVER  

(A value-added service offered through AAA Technologies)  

14.6.1 Crisis Concierge Cover offers 24-hour support for any emergency situation such as:  

1. Medical or safety related incidences (requiring ambulance, medical evacuation etc); 

2. Service-related dispatch (requiring car towing, a plumber/electrician etc); and 

3. Panic push button security alerts (dispatching police and security assistance). 

   13.6.2 Crisis Concierge Cover links you directly to over 100 emergency responders nationwide, via the Emergency and Response Centre (ERPC). 

   13.6.3 The location tracking technology allows the dispatch of the closest and most relevant support for your particular emergency situation. 

   13.6.4 Any emergency related to You can be reported.  

   13.6.5 Each case is handled on an individual basis guaranteeing you are well looked after during the crisis, with follow up calls post the event ensuring all is in order.   

   13.6.6 Where required you will have private medical evacuation to the nearest appropriate hospital, incorporating advanced life support en-route if required (max value R7 000).  (Any additional costs for your account).  

   13.6.7 Where there is no medical aid, you will be taken to the nearest government hospital, unless the emergency dictates stabilisation at a private hospital first. 

   13.6.8 Crisis Concierge Cover can be contacted via: 

   1. Telephonically on 010 590 8422 

   2. Downloading the AAA Emergency Response App (the Android QR code and instructions on how to download the app will be included in the Policy Information Pack sent upon inception of the policy

Note: the App, which is available for Android users, is preferable as it allows for more efficient location tracking, thus speeding up the response to any crisis call).     

15. GENERAL TERMS AND CONDITIONS OF COVER Observance of policy conditions 

Cover will not be provided under this policy unless all obligations are fulfilled, and any outstanding premiums have been settled. This policy shall be voidable if there is any misrepresentation, misdescription or nondisclosure of any material information relevant to this policy. 

15.1 Fraud or any attempt there at 

If you, or anyone acting on your behalf, submits a fraudulent claim or forged or false document to support a claim, we will repudiate the claim. We are entitled to recover the amount that was paid in respect of the claim. 

15.2 Transfer 

The benefits of this contract may not be transferred to anyone other than Your nominated beneficiary, as detailed on the Policy Schedule.  

15.3 Cancellation 

This policy may be cancelled by you or by us giving 31 (thirty-one) days’ notice to cancel the policy.   

15.4 Currency and law 

All payments in terms of this policy shall be in South African currency and any question of law arising shall be decided according to the laws of the Republic of South Africa. 

15.5 Waiver of conditions 

No waiver of any of the terms, conditions and endorsements of this policy shall be valid unless made in writing under the signature of our duly authorised officer. In addition, no act or omission by us or any officer, employee or servant of ours shall be or deemed to be a representation on our behalf upon which you, or your heirs, executors or assigns is entitled to act.  

16. SANCTIONS EXCLUSIONS 

We will not be liable for any legal liability, loss, damage, cost or expense nor will we provide cover or benefit for any business or activity to the extent that such cover or benefit and/or any such business or activity would violate any applicable economic or trade sanction law or regulations of the United Nations and/or the EU/EEA and/or the United States of America and/or any other applicable national economic or trade sanction laws or regulations.  

17. TREATING CUSTOMERS FAIRLY: 

This product has been created to meet the needs of our clients. The Treating Customers Fairly (“TCF”) framework principles are viewed seriously by the Insurer and all 6 (six) outcomes, as stated below, are practiced at all times.  We will, with all our interactions with any consumer, endeavour to deliver excellent consumer 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 consumers and partners and being compliant, in all aspects, of the 6 (six) outcomes of the TCF framework.  These outcomes are: 

1. You are confident that your fair treatment is key to our culture; 

2. Products and products and services are designed to meet your needs; 

3. We will communicate clearly, appropriately and on time; 

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

5. Our products and products and services meet your standards and are of an acceptable level;  

6. There are no barriers to access our service or to lodge any complaints. 

18. GENERAL PROVISIONS

18.1 Entire Agreement

This Agreement constitutes the entire agreement and understanding of the Parties with respect to the subject matter hereof and supersedes and terminates all other prior commitments, arrangements, or understandings, both oral and written, between the Parties with respect thereto. This Agreement may not be modified or amended except by an instrument in writing executed by each of the Parties. None of the provisions of this Agreement will be deemed to have been waived by any act or acquiescence on the part of either Party, their agents, or employees, but may be waived only by an instrument in writing signed by an officer of the waiving Party. No waiver of any provision of this Agreement on one occasion will constitute a waiver of any other provision or of the same provision on another occasion.

18.2 Governing Law:

This Agreement shall be governed by and construed in accordance with Law of the Republic of South Africa.

18.3 Binding Effect

This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assignees.

18.4 Severability.

In case any one or more of the provisions or portions of provisions, of this Agreement shall be deemed by any governmental authority to be invalid, illegal or unenforceable in any respect, the validity, legality and enforceability of the remaining provisions, or portions of provisions contained herein shall not be in any way affected or impaired thereby.

18.5 Omissions or Delays

No omission or delay on the part of any party hereto in requiring a due and punctual fulfilment by the other party hereto of the obligations of such other party hereunder shall be deemed to constitute a waiver by omitting or delaying party of any of its rights to require such due and punctual fulfilment of any other obligation hereunder, whether similar or otherwise, or a waiver of any remedy it might have.

18.6 Modifications

Any modifications to this Agreement must be in writing and signed by a proper and duly authorised representative of the Party to be bound thereby.

18.7 Remedies Not Exclusive

No remedy conferred by this Agreement is intended to be exclusive of any remedy, except as expressly provided, and each and every remedy shall be cumulative and in addition to every other remedy given under this Agreement for now or in the future existing in law or in equity or by statute or otherwise.

18.8 Right of third parties

This Agreement is not made for the benefit of, nor shall any of its provisions be enforceable by any person other than the Parties to this Agreement and their respective successors and permitted assignees.

18.9 Waivers

The Parties irrevocably waive any right it may have to claim damages and/or rescission for:

1. any misrepresentation not contained in this Agreement; or

2. any breach of any warranty or undertaking (other than those contained in this Agreement) whether express or implied, statutory, or otherwise; unless such misrepresentation, warranty or undertaking was made fraudulently.

18.10 Notices

Any notices or other communications required or permitted hereunder will be in writing by email, subject to ‘read receipt’ or personally delivered at the principal business addresses designated at the beginning of this Agreement, or mailed by registered or certified mail, return receipt requested, postage prepaid, at the address set forth above, or to such other address or addresses as may be hereafter furnished by one Party to the other Party in compliance with the terms hereof.

19. CUSTOMER PRODUCTS AND SERVICES 

19.1 In the event of a claim in terms of the policy, you must, as soon as reasonably possible after the event, report the incident to Monitor Administrators by: 

Phone: 031 812 2058  

email:  Secure-us@monitorsa.co.za

19.2 If you have a query or complaint about subscriptions, please contact us using any of the contact details below:

Website Chat:

Visit our website at https://www.secureusfs.com/ and use the chat function to chat to our agents. 

Monday to Friday: 8am-5pm, 

Weekends: 8am-5pm

Email: supportza@secureusfs.com

SecureUs reserves the right, in its sole discretion, to vary these terms and conditions. SecureUs may elect, in its sole discretion, to notify the Customer of such variation in writing or to publish such variation at its principal place of business, or on https://www.secureusfs.com/

18.3 These terms and conditions constitute the whole agreement between the parties relating to the Service and no representations or warranties other than those set out herein shall be binding on the parties, save for any amendment affected in terms of the AMENDMENT OF SUBSCRIPTION section above.

18.4 In the event of any one or more of these terms and conditions being unenforceable, the same will be deemed to be severable from the remainder of the terms and conditions which shall nevertheless be binding and enforceable.

ANNEXURE A  

    COMPENSATION PERCENTAGES APPLIED FOR PERMANENT DISABILTIY SETTLEMENTS