SECTION A: POLICY TERMS AND CONDITIONS

These are the terms and conditions of your Funeral Cover embedded deals 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 insurer.

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.

Who qualifies to get this cover

To be eligible for cover under the policy, you must meet the following conditions at the start date:

1. You must be at least 18 years old.
2. You must be South African citizen.
3. You must have a contract with Vodacom (Pty) Ltd.
4. The insurance cover is optional, and you must agree to the terms and conditions of the policy.

By accepting these terms and conditions, you are acknowledging that:

1. You have accepted the cover and that you understand all the features, benefits, associated with the Cover.
2. You have considered and found this specific product to be applicable to your current objectives and circumstances.  

SECTION B: POLICY BENEFITS

What we will pay for

1. If you should die during the period of insurance, we will pay a lump sum benefit of R5 000 to your chosen beneficiary or to your estate, if a beneficiary is not chosen.
2. The rights under this policy cannot be used to protect any person other than you.

What we do not pay for

This policy is limited to Death only claims 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:

1. Any death (other than accidental) occurring within the first 3 months of cover;
2. War (whether declared or not), riot, radioactive contamination, nuclear accidents and similar risks;
3. Use of nuclear, biological or chemical weapons, or any radioactive contamination;
4. Attacks on or sabotage of facilities (including but not limited to nuclear power plants, reprocessing plants, final repository sites and research reactors) and storage depots which lead to the release of radioactivity or nuclear, biological or chemical warfare agents;
5. All risky activities/hobbies, which could be hazardous in any way, are excluded from the cover under this policy;
6. Participation in civil commotion, insurrection, riot, usurpation of power, terrorism or acts of terrorism;
7. Suicide;
8. Wilful and material breaking of any law by the life assured;
9. Cover in only valid within the borders of South Africa.

SECTION C: CLAIMS

Should you die, your chosen beneficiary can email us at [email protected] or contact us at 082 178 00 to lodge a claim. The death notification must be accompanied by the following documents:

1. Certified copy of death certificate of the deceased.
2. Certified copy of ID of the deceased.
3. a BI1663 form.
4. a fully completed claim form.

All information provided is at the claimant’s own cost. We reserve the right to request any additional information or documentation required to validate the claim.

Claim notification period

Your chosen beneficiary 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.

Waiting period

Cover under this policy have a three-months waiting period for death as a result of natural causes. No such waiting period applies if your death is an Accidental Death.

SECTION D: GENERAL CONDITIONS

When the cover ends

Your insurance cover will end after 24 months from inception date, and no further benefit will be payable as soon as one of the following happens:

1. A benefit is paid in respect of your death;
2. If you cancel the insurance cover by calling 082 178 00;
3. The date your device contract ends with Vodacom (Pty) Ltd.

Please note that when your insurance cover under this policy ends it will not have a cash value.

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.  After this initial 30 day cooling off period this policy may be cancelled by you at any time by phoning our call centre at 082 178 00. 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.

Changes to Your Policy

We have the right to change the terms and conditions or cancel your policy. If we do, you will be advised in writing at least 30 days before the change or cancellation takes effect.

Cessions

This cover may not be ceded or transferred to a third party as security for a debt or for any other reason.

Force majeure

Force Majeure refers to circumstances beyond our reasonable control, such as an act of God, acts of the State or Government, exceptional weather conditions, total national electricity failures, war or war-like activities or serious delays in public transport that may prevent us from carrying out our obligations under this agreement. In the event of a force majeure this agreement will be suspended until we can deliver on our obligations. We will, if possible, notify you of the suspension and the estimated duration of the suspension. We will not be liable for any damages caused as a result of the suspension.

Complaints & Queries

Vodacom Life provides a complaint resolution process, which aims to address any dissatisfaction you may have with your policy. You can contact our Complaints Department on 082 178 00 or [email protected]

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 still be dissatisfied with the outcome, you can direct complaints about our services or products to the National Financial Ombud Scheme (NFO) using the following contact details:

• Tell: 0860-800-900
• WhatsApp: +27 (0) 66 473 0157
• Email: [email protected]
• Address:

NFO Johannesburg

110 Oxford Road,

Houghton Estate,

Johannesburg,

Gauteng,

2198

NFO Cape Town

6th Floor, Claremont Central Building,

6 Vineyard Road,

Claremont,

Cape Town,

7700      

Underwriter and Administrator

Vodacom Life Assurance Company (RF) Limited is a registered long-term insurer. This product is administered by O’keeffe & Swartz BPO (Pty) Ltd and authorised financial services provider (FSP no: 35478) for which they receive fees.

Vodacom Life Assurance Company (RF) Limited

Vodacom Corporate Park

082 Vodacom Boulevard

Midrand

1685

SECTION F: CONFIDENTIALITY AND SHARING OF INFORMATION

By taking out this policy, you hereby authorize Vodacom Life Assurance Company 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 privacy notice below for a description of how we process your personal information

PRIVACY NOTICE