Terms & Conditions
WHAT IS VODACOM FREE LIFE COVER
It is a life insurance plan that pays out the qualifying cover amount if you die from an accident between the cover start date and cover end date.
This offer is only for selected Vodacom customers between the age of 18 and 60.
This cover is provided by Vodacom at no cost to you.
The plan lasts for one year from the cover start date.
You only qualify for one policy.
WHAT YOU NEED TO KNOW
ABOUT YOUR PRODUCT
When you die as a result of an accident and your beneficiaries submit a claim, we will validate the claim and pay your nominated beneficiaries a tax-free lump sum.
YOUR EXCLUSIONS
We won't pay out if you die as a result of natural causes such as a heart attack or stroke.
This policy will not pay out if you commit suicide.
We also won't pay out if you die because of self-harm or a self-inflicted injury; while breaking the law or while intentionally putting yourself in a position where you are exposed to war or war-like activities.
CESSIONS
This cover may not be ceded or transferred to a third party as security for a debt or for any other reason.
WHAT YOU NEED TO DO TO REMAIN COVERED
To ensure your cover is valid, please make sure that you:
CHECK YOUR ANSWERS TO THE LIFE-STAGE QUESTIONS
The personal details and life-stage assessment questions that you have answered during the online application when you took out the product, are the basis for this agreement and are included in the summary of cover. Please go through the answers and make sure that you agree with them. Contact us immediately if you find any inaccuracies.
The answers that you provided will be verified in the event of a claim and any errors could result in an unsuccessful claim.
TO CLAIM, COMPLAIN OR CANCEL
CLAIMS
In the event that your beneficiaries need to claim, they should use the following contact details:
Call: 0860 238 373
Fax: 011 408 7240
Email: [email protected]
A claims agent will assist your beneficiaries through the claims process and request all the information that is necessary to assess the claim efficiently. This includes verifying information that we have on record as well as any information received at claims stage.
IMPORTANT CLAIM TIME LIMITS
It's important that we are informed about the event that leads to the claim within 90 days of it happening. The claim may be declined if we are not informed in time.
DISPUTED CLAIMS
Should your beneficiaries 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. The beneficiaries 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.
UNPAID OR UNCLAIMED PAYOUT AMOUNT
It is your responsibility to make sure that we always have up-to-date contact information for you and your beneficiaries. If we become aware that there are payouts due to be made under this policy, we will always first try to contact your beneficiaries at the last contact details provided to us. If we are not able to make contact, we have to take reasonable steps to find the beneficiaries. In order to do this, we may have to appoint external tracing agents and this agreement permits us to give the tracing agents access to personal information. Please also note that a tracing and management fee may be deducted from the payout amount.
FRAUDULENT CLAIMS
If any claim under this policy involves fraud, misrepresentation or false information, such as incorrect personal or life-stage details, no payouts will be made.
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
If at any point you are unhappy with our financial services or products, first give us the opportunity to resolve the matter as quickly as possible by using the following contact details:
Call: 0860 222 206
Email: [email protected]
Address: PO Box 3034, Cape Town, 8000
COMPLIANCE
Compliance at Vodacom Life Assurance:
If you are not satisfied with the result of the complaint resolution or have a compliance-related query, please use the following contact details:
Call: 082 178 00
Email: [email protected]
Address: PO Box 3034, Cape Town, 8000
Should you still be dissatisfied with the outcome, you can direct complaints about our services to the FAIS Ombud and complaints about our products to the Ombudsman for Long-term Insurance:
Services:
Office of the FAIS Ombud
Call: 0860 324 766
Email: [email protected]
Fax: 012 348 3447
Address: PO Box 74571, Lynnwood Ridge, 0040
Website: www.ombud.co.za
Products:
Ombudsman for Long-term Insurance
Call: 012 762 5000 or 012 470 9080
Email: [email protected]
Fax: 021 674 0951
Address: Private Bag x45, Claremont, 7735
Website: www.faisombud.co.za
COOLING-OFF PERIOD
You have the option to cancel this agreement within the cooling-off period, of 30 days after receiving this agreement. The cooling-off period only applies if a claim has not been submitted or if no cover amounts have been paid out to you.
TERMINATION OR CANCELLATION OF THIS POLICY AGREEMENT
You can cancel this policy at any time by requesting a cancellation telephonically or in writing, eg by email, fax or letter.
Email: [email protected]
Call: 082 178 00
Fax: 011 461 2275
Address: PO Box 3034, Cape Town, 8000
The agreement will come to an end on the cover end date. This policy will automatically come to an end in the event of your death.
Note that if you choose to unsubscribe from the emailer series before the cover end date, your free cover policy will be cancelled. If this policy agreement is cancelled or terminated, it cannot be reinstated or reactivated.
CONFIDENTIALITY AND SHARING OF INFORMATION
As agreed, personal information will be stored, processed and only used by our partners. This may include the exchange of information regarding the payment history of the person who is responsible for the monthly payments. Please note that for risk management purposes we may exchange claim information with other insurers. Where you provided personal information of a third party, eg your beneficiaries, you confirm that you provided the information with due permission.
