Terms and Conditions
These are the terms and conditions of your Vodacom Contract Cover or Contract Cover Plus Policy. It is important that you read and keep this document in a safe place. The insurer is Vodacom Life Assurance Company (RF) Limited, a licensed life insurance company.
On receipt of the cover activation SMS, please ensure that you review the terms and conditions in detail as well as the information you provided to us. Contact us immediately if you find any inaccuracies or require us to clarify anything for you.
To be eligible for cover under the policy, you must meet the following conditions at the start date:
By accepting these terms and conditions, you are acknowledging that:
SECTION A – POLICY BENEFITS
What we will pay for
Depending on your choice of cover, the following benefits will apply:
Contract Cover Plus
Contract Cover
What we do not pay for
This policy is limited to Death claims only and does NOT provide cover for disability or retrenchment. We will also not pay any benefit if your death arises directly or indirectly from any of the following:
SECTION B - CLAIMS
In the event of your death, your Executor can email us at [email protected] to lodge a claim. The death notification must be accompanied with visibly clear copies of the following documents and certification must not be older than 3 months:
The Vodacom Legal team will submit a claim on your behalf (the account holder) directly to Vodacom Life Assurance Company after validating that you have passed on. Vodacom (Pty) Ltd will settle and close the account upon receipt of claims approval from Vodacom Life Assurance Company. If you chose Contract Cover Plus, an amount of R5 000 will also be paid to your estate.
Claim notification period
Your Executor must submit 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.
SECTION C - WHEN THE COVER ENDS
Your insurance cover will end, and no further benefit will be payable as soon as one of the following happens:
Please note that when your insurance cover under this policy ends it will not have a cash value.
SECTION D – CESSION
You do hereby under this policy and in terms of this cession, cede, assign and transfer all your rights, title and interest in and to this Policy, to and in favour of Vodacom (Pty) Ltd as collateral security for the outstanding term of your device contract.
SECTION E - GENERAL CONDITIONS
Cancellation of cover
You can cancel your policy at any time after receipt of your cover activation SMS. The policy has a cooling off period of 30 days. You will receive a refund of any premiums already paid unless the insurer has already been notified of a claim.
General
After this initial 30 days cooling off period this policy may be cancelled by calling 082135, on the My Vodacom App or going to a Vodacom Shop. If you cancel your policy after the cooling off period, the premiums paid will not be refunded to you as you would have had the benefit of cover. The agreement will come to an end immediately and no cover will be provided after that date. We have the right to cancel your policy either in writing or telephonically subject to 30 (thirty) days’ notice.
Premium payments
If Vodacom Life Assurance Company does not receive the premium payment on the due date, you will not have cover for the period for which you did not pay. Vodacom Life Assurance Company will allow at least a 30-day period of grace for the payment of premiums.
Age limitation
You can apply for cover from the date of your 18th birthday.
Fraudulent Claims
If any claim under your policy involves fraud, misrepresentation or false information, the agreement may be cancelled. In this case, no pay-outs will be made, and no monthly payments will be refunded.
Change of Details
It is your responsibility to inform us immediately in writing of any changes to the original details supplied on your application for this policy.
Changes to Your Policy
We have the right to change the terms and conditions, the premium rate, or cancel your policy. If we do, you will be advised in writing at least 31 days before the change or cancellation takes effect.
SECTION G - COMPLAINTS & COMPLIANCE
Complaints & Queries
We appreciate you as a client, so if at any point you are unhappy with any aspect of our service or the benefit offering, please give us a chance to resolve the matter by calling us on 082 135.
Disputed Claims
Should your beneficiary wish to dispute the claim decision, they have to do so within 180 days of receiving a formal communication about the outcome of the claim. They must submit the reasons for the dispute in writing for it to be re-assessed. If they would like to institute legal proceedings, it must be done within 180 days of receiving a formal communication of the claim outcome.
Should you be dissatisfied with the outcome, you have the right to contact National Financial Ombudsman (NFO):
NFO Johannesburg
10 Oxford Road, Houghton Estate, Johannesburg, Gauteng, 2198
NFO Cape Town
6th Floor, Claremont Central Building,6 Vineyard Road, Claremont, Cape Town, 7700
For complaints about our services, you can contact the FAIS Ombudsman:
Confidentiality and sharing of information
It is important to note that when you engage with us, you acknowledge that we require your personal information, as defined in the Protection of Personal Information Act No 4 of 2013 (PoPIA) and other related regulations and need to process such personal information to provide products or services to you for purposes including to confirm, update and enhance our records, to confirm your identity and additional purposes as detailed in our Privacy Notice.
By taking out this policy, you hereby authorise Vodacom Life Assurance Company (RF) Ltd to obtain personal information from you, and when required, to share it with our third-party service providers for the purposes of providing the services and benefits to which this Policy relates. Your personal information will be stored, processed, and used only by our service providers to the extent that is necessary to provide the contracted services.
Please refer to our Vodacom Life Assurance Company (RF) Ltd: Privacy Notice on https://www.vodacom.co.za/vodacom/terms/privacy-policy/life-assurance-company for a description of how we collect, use, share and protect your personal information when you use our products and services and our website.