The basic funeral plan provides for a cash benefit to be paid in settlement of a death claim of a Principal Member, his/her Spouse, Eligible Children and Extended Family Members, where applicable.
Principal Member: a permanent, genuine, and active person of the IEnsure Brokers (PTY)LTD, who is allowed to elect participation in the policy, in accordance with the eligibility conditions as stated in the policy schedule. The maximum entry age to the Fund is 65 years.
Spouse: a person married to the Principal Member by law or tribal custom or under the tenets of any Asian religion, which shall include a Common Law Spouse of the Principal Member. A spouse may not exceed the maximum entry age of 65 years.
Common Law Spouse: a person who is deemed by iEnsure Brokers (PTY)LTD, at its sole discretion, to a Spouse, having regard to the particular circumstances of each case, and shall include, where applicable, Customary Marriages or a relationship between two people of the same gender, or a relationship between two people after a continuous cohabitation period of 6 (six) months.
Child: an unmarried child, age 21 years and younger, of the Principal Member, including a stepchild, posthumous child, an illegitimate child, a legally adopted child or a stillborn child (from the 26th week of pregnancy). Only 2 stillbirth claims will be accepted per family during the term of the Policy. Children are covered to the age of 21 years and this is extended to age 25 years if the child is a full-time student at a recognized institution. This does not include part-time and correspondence students. Children who are mentally disabled or totally and permanently disabled before age 21 years, who are unable to care for themselves, are covered until death or until the Principal Member ceases to be covered. Details of any children of a Common Law Spouse, illegitimate child and stepchild must be supplied to iEnsure Brokers (PTY)LTD at the time that the Principal Member joins the scheme, or within 1 month of the child becoming eligible for cover. Failing this, iEnsure Brokers (PTY)LTD will require satisfactory proof to support any claim.
Optional Extended Family: Family members, who are dependent on the Principal Member for financial assistance in the event of a death in the family, may be covered. These may include parents, parents-in-law, uncles, aunts, brothers, sisters, nephews, nieces, grandparents and children of the Principal Member who are over age 21 years. Please Note:
- Maximum entry age is 70 years
- Up to 10 Extended Family members may be nominated for cover.
- Only in case of a marriage may Extended Family (parent-in- law) be added, provided the maximum number of Extended Family Members has not been exceeded (approval to be granted by IEnsure Brokers (PTY)LTD before premiums are amended).
- Extended Family Members may only be covered once under the Fund.
TERMS & CONDITIONS:
Each Principal Member must complete an application form electing his/her dependents and extended family. • Benefits for the dependents of the Principal Member will cease if withdrawal from the Plan by the Principal Member.
A one-month grace period is allowed to pay any premium once the policy is in force (i.e. first premium has been received). If the premium is not paid within that month, please notify iEnsure Brokers (PTY)LTD immediately to make arrangements.
The funeral package consists of the following benefits:
- Basic Family Benefit
- Optional Extended Family Benefit
From the start date of the policy, there is a 6 (six) month waiting period for claims due to natural causes for extended family members less than age 70 years, and a 9 (nine) months waiting period for extended family members greater than age 75 years.