FUNERAL COVER TERMS AND CONDITIONS

o This Funeral cover is for a Total Cover amount of R 25,000 for Main Member only.
o The Minimum entry age for new members is 18 years of age and the maximum entry age for new members is age 65 next birthday.
o The cover start date is on the first day of the calendar month following receipt of the first premium.
o Should the Member pass away with valid cover, the cover amount will be paid to the Policyholder.
o This product and cover is for RSA only. Therefore, a member who passes away outside of the borders of RSA, will not be covered.
o CashCloud will pay the net cover amount into a CashCloud card for the beneficiary nominated by the main member
o The Net Cover Amount is the Total Cover Amount less repatriation costs (only if required and agreed to by the beneficiary) and less courier costs of R600 (for the CasCloud card initiation fee and the courier fee)
o The nominated beneficiary must be 18 years or older.
o Suicide in respect of the Member will not be covered during the first 12 months from the cover start date.
o The Master Policy document can be requested from the Insurer.
o In the event of a claim the Insurer should be contacted.
o Any complaints must first be lodged with the Insurer on the numbers above or via e-mail complaints@stangen.co.za. All complaints must be made in writing.
o If resolution is still unsatisfactory, complaints may be lodged with the Regulators at the below addresses:

The Insurer
The Standard General Insurance Company Limited
Building A, Bryanston Corner, 18 Ealing Crescent, Bryanston, 2191
Registration Nr. 1948/029011/06; FSP Nr 47235.
Tel Nr. 0861 007 966

The FAIS Ombud
P.O Box 74571, Lynnwood Ridge, 0040
Email: info@faisombud.co.za Tel: 012 762 5000 / 012 470 9080
Fax: 012 348 3447 / 012 470 9097 / 086 764 1422
Website: www.faisombud.co.za

The Long-term Insurance Ombudsman
Private Bag X45, Claremont, Cape Town, 7735
E-mail: info@ombud.co.zaTel: (021) 657 5000 / 086 0103 236
Fax:(021) 657 0951
Website: www.ombud.co.za

DECLARATION BY APPLICANT:
o I agree that I have read and understand the terms, conditions and benefits detailed.
o All the information provided on this form, is true, correct and complete and will form the basis of this policy. I understand that any misrepresentation or false information can lead to the cancellation of these benefits, in which case all premiums paid may be forfeited.
o I understand that I have a 30 (thirty) day cooling off period. Provided no claim has been registered in this period, I may elect to not take up the plan, and will inform CashCloud in writing of my intention to do so. All insurance premiums already paid shall be refunded and the Member will be downgraded to the CashCloud Funeral Membership.
o I understand that this product is offered to me on a non-advice basis, and should I need further assistance regarding the policy, I may contact the Insurer.
o I accept that the Insurer can communicate with me telephonically and/or electronically. All records shared with the Insurer may be stored electronically. The Insurer values clients’ privacy and personal information. The detailed Privacy Policy can be viewed online at https://www.stangen.co.za/privacy/