Vodacom Funeral Cover 4 You and/ or Funeral Cover 4 You and Your Family Terms and Conditions

WHAT YOU NEED TO KNOW

About this Vodacom Funeral Plan

This benefit is simple. In the event of the death of a covered person, we’ll pay out the cover amount to you or your chosen beneficiary or to your estate, if a beneficiary is not selected. The funeral cover will start on the date of the confirmation SMS that will be sent to you on activation of this benefit and lasts as long as you pay your weekly premium. Your premiums will be renewable weekly. You need to pay your premium every week to stay covered. Your premium is reviewable monthly. This means that your premiums may be revised upwards or downwards depending on the claims, expense and investment experience of Vodacom. We will communicate with you should your premium level change.

Cover Amounts:

The Cover Amount Table stipulates the benefit amount that will be paid out on a successful claim.

Vodacom Cover 4 You:

Main Person Covered:

•    Cover Option 1 - R2500

•    Cover Option 2 - R5000

•    Cover Option 3 - R10000

Partner*:

•    Cover Option 1 - No Cover

•    Cover Option 2 - No Cover

•    Cover Option 3 - No Cover

Children**:

•    Cover Option 1 - No Cover

•    Cover Option 2 - No Cover

•    Cover Option 3 - No Cover

Vodacom Cover 4 You and Your Family:

Main Person Covered:

•    Cover Option 1 - R2500

•    Cover Option 2 - R5000

•    Cover Option 3 - R10000

Partner*:

•    Cover Option 1 - R2500

•    Cover Option 2 - R5000

•    Cover Option 3 - R10000

Children**:

•    Cover Option 1 – R1250

•    Cover Option 2 – R2500

•    Cover Option 3 – R5000

*    Partner means the person you are married to (whether by civil, customary, religious, or common law union). A maximum of one Partner is allowed on one policy.

**  We will cover up to 5 (five) of your own biological, legally adopted and/or step children up to the age of 21.  

A maximum of 7 (seven) claims will be paid on one policy.

Who qualifies for this policy?

      You must have a valid South African Identity Document and must be between 18 and 60 years of age to apply for cover.

      If you are covering your Partner under this policy, your Partner must also be between 18 and 60 years of age at the time of application for cover.

      The product is only available for Vodacom Prepaid, UChoose and Top Up customers. 

      If you have chosen the “Cover 4 You” option, only you will be covered under this policy and only one successful claim will be paid on the policy.

      If you have chosen the “Cover 4 You and Your Family” option we will cover you, one Partner, and up to 5 (five) of your own biological, legally adopted and/ or step children.  A maximum of 7 (seven) successful claims will be paid on the policy.

      If you leave the Vodacom network or migrate to a Vodacom Contract tariff plan, you and your family’s cover will come to an end.

Waiting period

•    A claim waiting period applies to every person covered under this policy, including Partner and children.

1.            There is a 3 (three) month claim waiting period for death as a result of natural causes.  However, if death is as a result of an accident (such as a car accident), we will pay out within the first 3 (three) months after cover has started.  You need to pay your premium every week for a period of 3 (three) months or more to be covered for death from natural causes (such as a heart attack or cancer). 

 

2.            There is a 12 months claim waiting period for death due to suicide. 

•    A new waiting period starts in the following cases:

1.            When you increase your cover (a new waiting period only applies to the added cover).

2.            When you add/change a Partner (a new waiting period only applies to the Partner).

3.            When you cancel your policy or your policy lapses and you wish to sign up again at a later stage.

How this policy works

•    You will only enjoy this benefit if you have successfully registered for a Vodacom Funeral Cover 4 You policy and/or Cover 4 You and Your Family policy using your phone and you have received a confirmation SMS with your policy number.

•    You can only register for one Cover 4 You policy and one Cover 4 You and Your Family policy.

•    Cover is valid for a period of 1 (one) week from date of first registration and premium collected.  After one week another premium will be due, on the same day as the date of registration. It will be automatically deducted from your Vodacom Recharge account between 00:00 and 05:00.  You need to ensure that you have enough money in your Vodacom Recharge account to pay your weekly premium

•    You will be given a 15 (fifteen) day grace period to pay a premium you may have missed.  In this case, we will automatically deduct 2 (two) weekly premiums when your next premium is due – one premium for the week you missed and one premium to cover you for the following week.  If you miss your premium for a second time, we will deduct 3 (three) weekly premiums when your next premium is due to keep your premiums up to date.  If you miss your premium for 3 (three) consecutive weeks, your policy will lapse and you will no longer be covered.  If you wish to sign up again at a later stage, please note this will be considered a new policy and new terms and conditions will apply.

•    If you cancel your policy, a premium refund will only be applicable if you have paid in advance for more than 1 (one) week of cover. The premium refund will be calculated on a pro-rata basis

•    The policy will be cancelled upon your death.

When we will not pay

           We will not pay out a claim for any death as a result of natural causes which occurred during the 3 (three) month waiting period.

           We will not pay out a claim for any death as a result of deliberate involvement in an illegal act, riot, civil commotion, terrorist attack, or war.

           During the first 12 (twelve) months from start of cover, we will not pay out if death is as a result of suicide.

Adding a beneficiary

In the event of the death of a covered person, we’ll pay out the cover amount to you or your chosen beneficiary or to your estate, if a beneficiary is not selected. If you wish to set up or change these details, please dial *135#.

Questions you may have

If you have any questions about your policy, call us on 082 178 00.  You can also visit us at www.vodacom.co.za/insurance for any other information you may need.

Claiming or complaining

For claims

Should you die, your beneficiary will need to call us on 082 178 00 or e-mail us at claims@vodacomlife.co.za. We will tell them what documents they will need to give us so we can settle the claim quickly.

Important claim time limits

We need to be informed of your death within 180 (one-hundred-and-eighty) days of it happening. If we’re not informed in time by your beneficiary or estate, the claim could be declined.

Disputed claims

We allow 180 (one-hundred-and-eighty) days from the date of the communication of our decision for your beneficiary or estate to question our decision on a claim.  If we still decline the claim, and they want to start a legal process, they’ll have an additional 90 (ninety) days to do so.

For complaints and compliance

We appreciate you as a client, so if at any point you are unhappy with any aspect of our service or your policy, please contact us using the following:

First stop…

…is to give us a chance to resolve the matter.

To ensure our focused attention, please use the following contact details: 

Call: 082 178 00

Email: complaints@vodacomlife.co.za    

Tel: +27 82 178 00  

Then…

…if complaints about our service don’t get resolved to your satisfaction, we’re accountable to the

FAIS Ombud. 

The contact details are as follows:

Office of the FAIS Ombud

PO Box 74571

Lynnwood Ridge

0040 

Call: 0860 324 766

Email:info@faisombud.co.za

Fax: +27 12 348 3447 

Or…

…if complaints about our products don’t get resolved to your satisfaction, we’re also accountable

to the Long-Term Insurance Ombud.

The contact details are as follows:

Ombudsman for Long-Term Insurance

Private Bag x45

Claremont

7735 

Call: 0860 103 236

Email: info@ombud.co.za 

Fax: +27 21 674 0951

This policy is underwritten by Vodacom Life Assurance company (RF) Limited and administered by

O’Keeffe & Swartz BPO (Pty) Ltd, an authorised financial services provider.  Should you purchase this policy, your personal details will be passed to our appointed administrator and other partners to process and service this policy.

Currency and the laws that apply to this policy

This policy is subject to South African law and all payouts will be in rands to a South African bank account. In the event that the law or the interpretation thereof changes, we may change the terms of this policy. We will notify you of any such changes.

Fraudulent claims

If any claim under this policy involves fraud, misrepresentation or false information, such as incorrect age or relationship, your cover will be cancelled. In this case, no claim payouts will be made and no premiums will be refunded.