Terms and Conditions

1. This insurance cover is underwritten by Safrican Insurance Company Limited, a licensed financial services provider and life insurer (Registration number: 1935/007463/06, FSP number: 15123), and is administered by Randmore Funeral Plan (Pty) Ltd, a licensed financial services provider (Registration number: 2018/532833/07, FSP Number: 50088) and who you have appointed Randmore Funeral Plan (Pty) Ltd. Registration number: 2018/532833/07 as an Intermediary to procure and maintain insurance cover for you and all the lives insured under the policy you have taken out, received or applied for. Randmore can also procure insurance cover for you from another insurer and terminate this policy on your (and the other lives insured on this policy) behalf. Your representative will receive commission during the lifetime of your policy with us. The commission may vary depending on the product that you’ve bought and may also change from time to time.

2. The people you can cover on this policy: You can cover yourself as the policy owner, your spouse and your children (up to four children). You can also cover up to eight extended family members (parents, grandparents, aunts, uncles, cousins, nieces, and nephews) on your policy. You can include additional children on your policy for an extra premium (the number will depend on your plan). Please note that you must be a South African citizen, permanent resident or hold a valid work
permit to apply for this policy. Your extended dependants (extended family members) must also be citizens or permanent residents. Your dependants (spouse and children) don’t have to be SA citizens or residents. However, if any of your dependants are foreign nationals and don’t reside in South Africa, we’ll need proof of their identity as well as their full contact details at the start of the policy. If your extended family members are foreign nationals but reside in South Africa, they can be covered, but we’ll need a copy of a valid passport for each of them. New-born children must be added within one year of birth, if not added within one year the waiting period will apply as per your policy terms and conditions.

3. Maximum entry age: The maximum entry age on the Family plan for you and your dependents is 84 years and 21 for dependent children (25 if the child is a full-time student) and 84 for your additional extended family members. For member plus the maximum entry age is 74 for 1+5, 1+9 and 1+13 and 84 for your additional extended family

4. Waiting period: A six month waiting period shall apply from the date the policy commences, in respect of a death due to natural causes, for life insureds less than 74 years old and 75 year and greater. The waiting period on this cover is applicable for you, your dependents, extended family members, any new dependent or extended family, and re-joiners. We count these six months from your policy start date and does not relate to the number of premiums paid. The applicable waiting period will be properly served on receipt by Safrican of consecutive premiums. If you apply to re- join the insurer after three months from the date of cancellation/lapse, you will be treated as a new entrant and a new waiting period will apply. No waiting periods will apply if you, your dependents or extended family members were to pass away in an accident as long as the first premium has been paid. If you and any of your current dependents and extended family members were insured with another insurer immediately before 31 days of the start of this policy, then you’ll need to complete the duration of the waiting period still outstanding and proof of previous cover is required.

5. Maximum cover amounts: The amount you can be paid out under this policy will depend on the plan you’ve chosen and the cover amount. Irrespective of how many policies you have with Safrican, it is limited to a maximum Rand amount in terms of legislation (R50 000 per life insured at the time of printing this document). Extended family cover may not exceed the amount of cover enjoyed by the principal member. Children may be covered multiple times under the policy, provided such children family members are not nominated more than once by the same principal member under the policy.
Children extended family members may not exceed the maximum benefit limit of: R60 000 not exceeded for such Children Extended family members old than 14 years; R30 000 (or any other limit as specified by the Long term Insurance Act is not exceeded for such Children Extended Family members younger than 14 and older than 6 years; and R10 000 (or any other limit as specified by the Long term Insurance Act is not exceeded for such Children Extended Family younger than 6 years old. Increase of a benefit amount: A six month waiting period will apply from the date of the benefit increases, to the increased part of the benefit amount only, if the extended family member is less than 74 years old or 75 years and greater.

6. Stillbirth: Stillbirths are covered automatically under the Family Plan only. A stillborn child is one that did not draw breath or show any other signs of life after being delivered, expelled or surgically removed from its mother after the 26th week of pregnancy. This excludes instances where the mother chooses to have an abortion or someone else acting on the mother’s behalf chooses to terminate the pregnancy. We will only cover a maximum of two claims for stillbirths. We have the right to ask for additional information to ensure that the claim is valid before we accept the claim.

7. General Exclusions: Safrican will not pay your claim in the following circumstances (this applies to any person covered on
this policy):

  • Suicide or attempted suicide in the first 12 months of the beginning of the policy or cover, whether the person is of sound or unsound
    mind;
  • Participating in any terrorist activity, riot, civil commotion, rebellion or war leading to death;
  • Willful and deliberate breaking of any criminal law leading to injury of death;
  • Death as a result of nuclear, biological and chemical terrorism and nuclear accidents;
  • The death of an unborn child due to the termination of a pregnancy(abortion).
  • Providing false or fraudulent information or using fraudulent means or devices when making a claim under the policy;
  • If you’re no longer legally entitled to live and work in the Republic of South Africa.

8. You must provide Randmore Funeral Plan (Pty) Ltd. with accurate information: Safrican may cancel your policy from the start date and will not pay any claims if we find out that you gave false or inaccurate information when applying for this policy. Safrican Insurance Company Limited will confirm or validate information requested or provided by the policyholder or beneficiary in order to comply with regulatory requirements.

9. How you’ll pay your premium: You can pay your premiums using a debit order, stop order or cash.

10. Policy start date: Your cover will only start on the first day of the current month if we receive premiums between the 1st and 15th day of that month. If we receive premiums after the 15th of that month, it will start on the 1st of the following month. Safrican reserves the right to decline your application within 31 days of you applying for cover calculate. A Month is a full calendar month, calculated from date of commencement of a policy.

11. Making changes to your policy: Please contact Randmore Funeral Plan (Pty) Ltd if you would like advice on any changes to your contract or to change your contact information. All changes must be done in writing. It will remain your responsibility to inform us of any changes to your contact details, address, beneficiary or dependents as for communication purposes, we will use what was provided to us at application stage or later.

12. Premium guarantee period: Safrican/Randmore guarantees that your premium will stay the same for the first 6 months.

13. Premium review: Safrican guarantees that your premium will stay the same during the premium guarantee period. At the end of the premium guarantee period, Safrican/Randmore may in their sole and absolute discretion, change your premium at policy anniversary. Randmore Funerals will notify you via SMS when premiums increase. Premiums will only change if Safrican/Ranmore’s view on the factors that influence the cost of providing you with cover differ from what was assumed when the current premium rates were set. This may become necessary as a result of but isn’t limited to:

  • Expected claims incidences;
  • Expected inflation and interest rates; and
  • The average and demographics of the insured lives on the product as a whole
  • Furthermore, Safrican/Randmore reserves the right to appropriately adjust the premiums charged or benefits offered on
    this policy if:
    • Any legislation or regulation (including tax legislation and regulations) is introduced or changed, so that it affects the cost of providing your benefits; or
    • The legal interpretation or understanding of any legislation or regulation (including tax legislation or regulations) changesto the extent that it affects the cost of providing your benefits.

Safrican will not increase your premiums to recover past losses or to enhance expected profits beyond those assumed at the outset of the policy. Randmore Funeral Plan (Pty) Ltd will send you written notice and reasons for any changes to your premium at least 31 days before any changes are applied.

14. Cooling off period: if we have accepted your application and you change your mind, you have 31 days from the start date of your policy to tell us in writing about the changes you want to make or if you want to cancel the policy. If you cancel your policy within this cooling off period, Safrican will refund your premium and deduct any charges incurred.

15. Your policy will lapse if you don’t pay your premiums for two months: if we don’t receive your premium for one month, Randmore will send you an SMS to tell you about this. You will then have until your next premium payment date to pay the arrear premium. During this period, you may not lodge a claim while your policy is in arrears (even if the waiting period has passed). If you don’t pay the second or another premium while the first premium is still due, your policy will lapse and you won’t be able to claim, even if you pay the arrear premiums hereafter. Randmore Funerals will inform you via SMS when your policy has lapsed.

16. Cancelling or replacing your policy: You or anyone acting on your written authority can cancel the policy by giving us one month’s written notice. You will lose all your benefits from the effective date of the cancellation (end of the month in which we received your last premium).

17. Reinstatement: You can reinstate your policy within three months of the last day of the month we received your last premium. You must pay all arrear premiums if you want to reinstate your policy. No new waiting periods will apply for reinstatements. We won’t consider claim events that happened while the policy was in arrears and cancelled, even if you pay the arrear premiums and reinstate the policy. If you apply to re-join the Insurer after 3 months from the date of cancellation, you will be treated as a new entrant and a new waiting period will apply. We won’t consider claim events that happened while the policy was in arrears and cancelled, even if you pay the arrear premiums as you cannot reinstate the policy after 3 months.

18. How to claim from Safrican: In addition to the contents of the policy document, no claims will be acknowledged unless the extended family application was received by Safrican. You must submit your valid claims to Randmore Funeral Plan (Pty) Ltd within six months from the date of the claim event. You must give Randmore Funeral Plan (Pty) Ltd all the required documents before Safrican can process your claim. Safrican reserves the right to request birth registrations or any other official documentation it may deem necessary to verify extended family relationships. Please contact Randmore Funeral Plan (Pty) Ltd. for assistance. Safrican might request additional information to validate the claim. You must supply Randmore Funeral Plan (Pty) Ltd with the following standard claim requirements for us to make a valid claim payment:

  • A fully completed Safrican funeral claim form (to be completed by the beneficiary or policy owner);
  • A certified copy of the official Death Certificate issued by the Department of Home Affairs
  • A certified copy of the deceased’s national identity document or passport;
  • A certified copy of the beneficiary’s national identity document or passport;
  • A fully completed SAPS statement in cases where the death was due to unnatural causes and a certificate of release, if applicable
  • A notification of death form (BI1663) completed by the doctor who certified the death or an affidavit
  • Where applicable, a letter from the funeral parlor confirming that the deceased’s remains are with them (must be on a letterhead)
  • Other supporting documents (such as proof of marriage or proof of relationship to children) if applicable
  • In the case of stillbirth, you need to give Safrican a notification of stillbirth (BI1663) or a copy of the antenatal card, or a
    letter from the hospital, or a letter from your traditional healer
  • Proof of banking details of the beneficiary (the person who will receive the pay-out) Any other information Randmore Funeral
    Plan (Pty) Ltd requires from you.
  • If the claim is for a foreign national, a copy a valid passport and a valid work permit (at the time of their death);
  • If the claim is for a foreign national who is an extended family member, proof that they were residing in South Africa at the time of their death.
  • In the case of a claim for a stillbirth, a doctor’s letter confirming the age of the fetus (i.e., the number of weeks) at time of the stillbirth.
    After claiming, the Principal member may not automatically replace deceased extended family members with other lives.
    Safrican will make claim payments within 2 working days of receiving ALL required documentation. Claim payments can only be made into
    South African bank accounts. Please note that if you were to pass away, your surviving spouse or your other nominated dependents can
    choose to carry on with the policy and become the policyholder. They must contact Randmore Funeral Plan (Pty) Ltd within 31 days of
    your passing if they want to make this change.

19. Termination of benefit: The Extended Family Benefits shall cease on the occurrence of one of more of the following:

  • The Principal Member ceasing to be a member of the compulsory scheme, regardless of whether not the Principal Member has died or is disabled, and regardless of whether or not a paid-up policy has been issued or a continuation has been exercised;
  • Death of those insured and settlement of their claims;
  • Termination or cancellation of the scheme with Safrican;
  • Dissolution of the Policyholder;
  • The Principal Member attaining the cessation Age;
  • Premiums in respect of the benefit are not received.

20. Continuation of cover: if you, as the individual policy owner, die, your spouse (if selected) or child (above the age of 18 years) may continue with the policy. We must be notified of the continuation within one month of your death. We’ll continue the policy subject to the following conditions:

  • Your spouse or child must be registered as the new individual policyholder and/or premium payer, or they must nominate a premium payer;
  • A new premium payer may continue paying the premium without affecting the policy. The new premium payer must be:
    • Your spouse or child over 18 years;
    • A legal guardian of your children;
    • Any other person who is an insured life on the policy;
    • A curator; or trust.

21. Complaints: We hope never to give you any cause for complaint. But if you’re ever unhappy with our service or the advice you’ve received, please contact us on the following details:

Randmore Funeral Plan (Pty) Ltd is your financial services provider, FSP Number: 50088. You can contact them at Tel: 041 023- 0719,

Email: admin@randmore.co.za

Safrican Insurance Company Limited a licensed financial services provider and life insurer. FSP 15123, 165 West Street, Sandton, Gauteng, 2146; Telephone: 086 000 7744; For any complaints relating to the advice you’ve received, please contact us at compliance@Safrican.co.za.

If we’re still not able to resolve the problem, you can contact these independent industry bodies for help:

The Ombudsman for Long-term Insurance: The ombudsman’s role is to mediate between policyholders and life insurers when they have a dispute that they can’t resolve in a way that’s fair, independent and objective. The provisions of the Long-term

Insurance Act guide the ombudsman’s decisions.

Private Bag X45, Claremont, 7735 | Claremont Central Building, 6th Floor, 6 Vineyard Road, Claremont, 7700 | info@ombud.co.za | Tel: 021 657 5000 | 0860 10 32 36 | Fax: 021 674 0951
The FAIS Ombud: The FAIS Ombud’s role is to mediate fairly and independently between clients and financial services providers on matters to do with financial advice. The Ombud follows the provisions of the Financial Advisory and Intermediary Services Act (FAIS Act).
P.O. Box 74571, Lynnwood Ridge, 0040 | 125 Dallas Avenue Menlyn Central |Waterkloof Glen |Pretoria 0010 | Telephone: 012 762 5000 | 086 066 3247 | Fax: 012 348 3447 | Email: info@faisombud.co.za

Protection of your Personal Information

  • We will keep any information – including personal information relating to you, your dependents, lives insured and beneficiaries – supplied to us when applying for your policy, reinstatement or any amendment (“your personal information”), confidential.
  • When providing us with your personal information, and information on your dependents, lives insured, and beneficiaries, you must make sure that they have provided you with the appropriate permission to disclose their personal information to us for the purposes set out below and any other related purposes.
  • We may collect, collate, process, store and disclose your personal information for the purpose of:
  • Administering this policy and for the assessment of any claims.
  • Providing relevant information, including your personal information, to contracted third parties who need the information to offer you a service in relation to this policy, provided that the contracted third party agrees to keep the information confidential.

Please note:

  • We may change this notice from time to time.
  • You have the right to object to the processing of your personal information.
  • If you believe that we have used your personal information contrary to applicable law, you must first raise any concerns with us. If you are not satisfied with our process, you have the right to lodge a complaint with the Information Regulator at inforeg@justice.gov.za.