GENERAL POLICY TERMS AND CONDITIONS. (that apply to the entire Policy)
GENERAL POLICY TERMS AND CONDITIONS. (that apply to the entire policy)
11.1. We may in our sole and absolute discretion offer to increase your cover at no additional cost or obligation to you. We will notify you of any increases by SMS to the number you provided to us. If the premium or cover benefits change for any reason, you will be given 31 days’ prior written notice to that effect to the number you provided to us.
11.2. The premium is due in advance and, if it is not received by us by the monthly due date that we agreed with you (Due date), this insurance will be deemed cancelled subject to the below:
11.2.1. If We can’t deduct the premium from your bank account (for example, if you don’t have funds) in any given month, you will not be covered and all your cover, will be suspended. To allow us to restore your cover, you agree that if We cannot collect the premium from your bank account in any given month:
i) you will be entitled to a grace period of 15 days after the due date in which to pay your premium/s [we do not double debit your account]. If your premium is not received within the grace period, the policy will remain suspended and you will not be covered. If payment is received within the grace period, your cover will restore from the due date – call us on 0000 000 000 to enquire whether you qualify for the grace period payment;
ii) if payment is not made in terms of (i) above, you agree that we may at our discretion try and collect from Your account for the next 3 months following the initial failed debit; and
iii) If we cannot collect in the 3 months period stated above, this policy will lapse, due to the non-payment of your premium/s; all cover provided under this policy will end.
11.2.2. The Unlimited makes use of NAEDO collections services (at no cost to you), this prioritises your debit to ensure that we are able to collect the monthly premium. If we are unable to collect on the debit due date you have given us, we use a tracking system that allows us to process your debit on another date to improve the likelihood of a successful debit collection and that allows you to keep your Policy benefits active, but it remains your obligation to see that all premiums are paid.
11.2.3. We reserve the right to request collection of the premium on a different due date to the one you have provided to us, should this enable a successful premium collection. This will only be done once we have your approval to make this change or alternatively we have notified you 31 days’ before making the c...
GENERAL POLICY TERMS AND CONDITIONS. (that apply to the entire policy)
11.1. We may in our sole and absolute discretion offer to increase Your cover at no additional cost or obligation to You. We will notify You of any increases by SMS to the number You provided to us. If the premium or cover benefits change for any reason, You will be given 31 days’ prior written notice to that effect to the number You provided to us.
11.2. Premiums:
11.2.1. The premium is due in advance and, must be received by us by the monthly due date that we agreed with you (Due date), subject to the below:
11.2.1.1. If We can’t deduct the premium from Your bank account (for example, if You don’t have funds) in any given month, You will not be covered and all your cover will be suspended. To restore Your cover:
i. you will be entitled to a grace period of 15 days after the due date in which to pay your premium/s (we do not double debit your account). If your premium is not received within the grace period, the policy will remain suspended and you will not be covered. If payment is received within the grace period, your cover will restore from the due date – call us on 0000 000 000 to enquire whether you qualify for the grace period payment; or
ii. if payment is not made in terms of (i) above, you agree that we may at our discretion, try and collect
GENERAL POLICY TERMS AND CONDITIONS. (that apply to the entire policy)
6.1. From time to time we may in our sole and absolute discretion offer to increase your Cover at no additional cost or obligation to you. We will notify you of any increases by SMS to the number you have on record with us. We may further review the premium rates and change the premium or benefits at any time. If the premium or cover benefits change for any reason, you will be given 31 days’ prior written notice to that effect.
6.2. Premiums:
6.2.1. You must pay your monthly premium by debit order, unless otherwise agreed by us in writing. We will present your debit order to your bank on the due date.
6.2.2. This Policy is month to month. It will renew on the same terms each time we successfully collect the monthly premium.
6.2.3. If your premium is not paid by the due date, we will issue you with a notice of non-payment within 15(fifteen) days from the premium due date. A 15(fifteen) days grace period will be allowed for the payment of the unpaid premium. During this period all benefits will remain in force. If the outstanding premium is still not received after this period, your policy will come to an end at the end of the 15(fifteen) day’s grace period and the benefits will fall away. To allow us to restore your cover, you agree that if your premium is unpaid in any given month, we can try and collect premium for the next 3(three) months. If we are successful in collecting the premium, the collection date will be the new policy Start Date. We will not collect premium for the unpaid months and you will not have cover for those months.
6.2.4. The Unlimited makes use of NAEDO collections services (at no cost to you), this prioritises your debit to ensure that We are able to collect the monthly premium. If we are unable to collect on the debit date you have given us, we use a tracking system that allows us to process your debit on another date to improve the likelihood of a successful debit collection and that allows you to keep your Policy benefits active.
6.2.5. We reserve the right to request collection of the premium on a different date than that specified in the insurance schedule, should this enable easier premium collection. This will only be done once We have your approval to make this change or alternatively provided you with 31 days’ notice. IMPORTANT: Your premium may be collected on a different date due to a public holiday or Weekend; no prior notice will be given to you.
GENERAL POLICY TERMS AND CONDITIONS. (that apply to the entire policy)
11.1. We may in our sole and absolute discretion offer to increase Your cover at no additional cost or obligation to You. We will notify You of any increases by SMS to the number You provided to us. If the premium or cover benefits change for any reason, You will be given 31 days prior written notice to that effect to the number You provided to us.
GENERAL POLICY TERMS AND CONDITIONS. (that apply to the entire policy)
6.1. From time-to-time we may in our sole and absolute discretion offer to increase your Cover at no additional cost or obligation to you. We will notify you of any increases by SMS to the number you have on record with us. We may further review the premium rates and change the premium or benefits at any time. If the premium or cover benefits change for any reason, you will be given 31 days’ prior written notice to that effect.
6.2. We will only provide Cover for people whose names and birth dates you have given us. They must be South African citizens or have residential rights in South Africa.
GENERAL POLICY TERMS AND CONDITIONS. 8.1. From time to time we may in our sole and absolute discretion offer to increase your Cover at no additional cost to you. We will notify you of any increased Cover by SMS to the number you have on record with us.
8.2. We will only provide Cover for people whose names and birth dates you have given us. They must be South African citizens or have residential rights in South Africa.
8.3. If we can’t deduct the premium from your bank account (for example, if you don’t have funds) you will not be covered. To allow us to restore your Cover you agree that if we cannot collect the premium from your bank account in any given month, we can try and collect from your account for the next three months. If we successfully debit your bank account again the date of that collection will be the new policy Start Date. Any bank charges incurred as a result of the above will be for your own account. You will not have cover for the unpaid benefits.
8.4. There is a 15-day grace period from the date your premium was due within which you can make payment to ensure you have Cover. Please note that the 15 days’ grace period is only effective from your second month of insurance following your initial Start Date.
8.5. This Policy is a month to month. It will renew on the same terms each time we successfully collect the monthly premium.
8.6. Unless previously cancelled by reason of Your membership of The Unlimited family terminating, you can cancel your policy at any time. Give us a call so you can make the right decision. There is a cooling-off period of 30 days (calculated from the Start Date) in which you can cancel and receive a full refund BUT ONLY if you have not used any of the benefits.
8.7. We can change or cancel this policy at any time including the insurance benefits/ premiums, but we will send you at least 31 days’ notice (warning) before we change or cancel anything. We will send you an SMS, email or letter. If you have a preference about how we communicate with you, let us know.
