TERMS AND CONDITIONS
· TOMBSTONE POLICY WILL NOT INSTALL OR PAY MONEY TO ANY ONE WHO IS NOT LISTED AS THE MEMBER IN THE BENNEFICIARIES
· TO ALL THE REGISTRATIONS WE REQUIRE COPY OF IDS AND BIRTH CERTIFICATES.
· WE WON’T ALLOW EXTERNAL/UN REGISTERED MEMBERS TO BE THE BENNEFICIARIES WHILE THEY ARE NOT REGISTERED AS BENNEFICIARIES IN THE APPLICATION FORMS
· ALL MEMBERS FROM THE MAIN MEMBER WHO ARE TO BE CONSIDERED AS BENNEFICIARIES MUST BE LISTED IN THE APPLICATION FORM AND ANY ONE OVER THE AGE OF 21 YEARS IS CONSIDERED AS AN ADULT THEREFORE HE/SHE MIGHT BE ADDED AS AN EXTRA MEMBER OR OPEN HIS OWN MEMBERSHIP BOOKLET.
· OUR POLICY COVERS THE MAIN MEMBER .THE SPOUCE, AND FOUR CHILDREN UNDER THE AGE OF 21 AND ANYONE OVER 21YEARS IS CONSIDERED AS AN ADULT
· EXTRA MEMBERS MUST ADD AN AMMOUNT OF R50.00 EACH
· ALL THE APPLICATION FORMS MUST BE SUBMITED TO OUR OFFICES AND THE INFORMATION SUBMITED MUST BALANCE WITH THE PAYMENT MADE TO THE BANK.
· IF THE MONEY IS NOT PAID TO US THAT CLIENT WILL BE CONSIDERED AS A DISQUALIFIED OR UNKNOWN MEMBER AND NO DATA WILL BE KEPT FOR SUCH A PARTICULAR CLIENT
· IN ALL REGISTRATIONS, IF A MAIN MEMBER DIES, A SPOUCE OR ANY NOMINATED GUARDIAN MAY CONTINUE WITH THE POLICY AND THOSE BENNEFICIARIES WILL STILL BE SECURED AND COVERED IN OUR POLICY
· IF WE DON’T GET ANY PAYMENTS FOR TWO FULL MONTHS ANDIF WE ARE NOT NOTIFIED ABOUT THE PROBLEM ENCOUNTERED WITH SUCH A PARTICULAR MEMBER, THE FILE WILL BE CANCELLED AND THAT MEANS THE POLICY WILL ELAPSE AND THAT PARTICULAR MEMBER WILL HAVE TO RE-REGISTER AND WAIT FOR THE WAITING PERIOD OF SIX FULL MONTHS TO QUALIFY AS A MEMBER AGAIN.
· THE JOINNING FEE OF R130.00 WILL BE REQUIRED AND A WAITING PERIOD OF SIX MONTHS WILL ENCOUNTER TO BE DECLARED AS A FULL MEMBER
· YOU MAY CHANGE THE CLASS /CATEGORY COVER, THIS MEANS IF YOU WANT TO CHANGE FROM CATEGORY A TO B OR C, YOU MAY DO SO. YOU HAVE TO PAY THOSE PREMIUMS AND THAT WILL ALSO COVER YOU AND YOUR BENNEFICIARIES WITH THAT PARTICULAR TOMBSTONE LISTEDIN THE DIAPHRAM TO COVER THAT PARTICULAR GROUP (CLASS A/B/C)
· IF YOU DIE BEFORE THE QUALIFICATION PERIODS, NO DECLARATIONS WILL BE MADE AND NO CLAIMS OF SUCH INDIVIDUAL INCIDENT WILL BE CONSIDERED AND RATED FOR PAYMENT
· ANY ONE OVER THE AGE OF SIXTY (60) YEARS OF AGE MUST PAY DOUBLE THE AMOUNT AND DOUBLE THE JOININNING FEE (E.G IF HE/SHE CHOOSES A POLICY OF R50/PM SHE/HE WILL PAY A PREMIUM OF R100/PM) AND SHE /HE MAY ALSO ADD THE CHILDREN UNDER THE AGE OF 21YRS
· ALL CLAIMS WILL BE MADE AFTER A YEAR FROM THE DATE OF THE BURIAL AND IF YOU WANT TO CLAIM BEFORE A YEAR, SUCH A PENALT Y OF 30% WILL BE DIDUCTED FROM THE VALUE OF THE COVER PROVIDED FOR THAT PARTICULAR CATEGORY.
· CLAIMS MAY BE MADE IN CASH OR A TOMBSTONE.WE HAVE STAND BYE COMPANIES TO INSTALL THE TOMBSTONES IN ALL AREARS AROUND THE COUNTRY AND OUTSIDE BORDERS.
· A RADIUS OF 50KM IN ALL THE TOWNS WILL BE DELIVERED FOR FREE, THISCOUNTS TOWNS THAT HAVE OUR MANUFACTURERS, WE WILL DELIVER THE TOMBSTONE AT A RADIUS OF 50KM FROM THE FACTORY, IFIT’S OVER THE RADIUS, THE CLIENT WILL BE LIABLE FOR THE DELIVERY COSTS, AND ALL WORDING MUST BE PAID BY THE CLIENT.
· THE TOMBSTONES WILL BE MANUFACTURED IN RUSTENBURG COLOR AND IF A CLIENT WANTS ANOTHER COLOR SHE/HE WILL BE LIABLE FOR THE COSTING, AS TOMBSTONE POLICY WE WILL PAY THE WRITTEN AMMOUNT AND NOTHING MORE THAT THE DRAFTED DESIGNS
· CLASS A, WE WILL COVER A CLIENT WITH HEAD AND BASE /SIZES AND PRIZES LISTED ON THE DIAPHRAM
·
CLASS B, WE WILL COVER A CLIENT WITH THE HEAD, BASE, KERBINGS.WHITE OR
· CLASS C, WE WILL COVER THE CLIENT WITH HEAD, BASE, KERBINGS, AND LEDGER (REFERE TO THE DIAPHRAM)
· THE MAIN MEMBER AND THE BENNEFICIARIES WILL BE COVERED WITH THAT PARTICULAR DESIGN (TIOMBSTONE) OF THE SAME AMMOUNT: THAT IS; YOUCANT NOT CLAM A TOMBSTONE DESIGN INCLASS A FOR YOUR CHILD WHILE YOU ARE IN CLASS B (CATEGORY)
· IF YOU DON’T WANT A TOMBSTONE, A CASH AMMOUNT WILL BE PAID AS LISTED IN THE DIAPHRAM, FOR SUCH PARTICULAR AGE GROUP (SEE DIAPHRAM)
·
· FOR MORE INFORMATION CALL (+27) 31 8222888 DURING WORKING HOURS
· OUR OPERATING HOURS ARE MONDAY TO FRIDAY 08:00 – 16:30
· EMAIL :tombstonepolicy@ymail.com
· BLOG :WWW.TOMBSTONEPOLICY.BLOGSOT.COM
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