Terms

Terms

Terms and conditions

  1. Beneficiary: The person you name as entitled to receive the benefits.

  2. Insured Lives: Only those listed in the Schedule are covered by this policy. Ensure all family members you want to be insured are listed correctly and fall within our definitions of eligible people. You can request to add or remove Lives Assured or change benefits, subject to premium adjustments.

  3. Waiting Period: The period during which premiums are paid but benefits remain inactive. This waiting period is five (5) months and begins when the first premium is paid in full until the sixth (6th) premium is paid. The sixth (6th) premium activates your claim.

  4. New Members During Waiting Period: Any members added after the waiting period has started will have their waiting period commence from their specific submission date.

  5. Late Premium Payments: If you fail to pay your premium on time, you will be granted a grace period of five days. If payment is not made within this period, your policy will be deactivated. You have 29 days to make the payment along with a R100 reactivation fee. Failure to pay within these 29 days will result in policy cancellation without refund.

  6. Proof of Payment: Clients must send proof of payment to Phupho And Weza Group accounts department each month. Proof of payments should be forwarded to:

    • WhatsApp: 073 162 2288

    • Email: accounts@phuphoandwezagroup.co.za

  7. Plan Changes: Clients may upgrade or downgrade their plan. Changes will be implemented on the last day of the specified month.

  8. Member Substitution: Clients can substitute covered members, but new members must start with a five (5) month waiting period.

  9. Policy Transfers: Covered members can take over the policy if the main beneficiary passes away or cancels the subscription.

  10. Policy Coverage: The policy can cover up to nine (9) members. Additional members can be added for a fee of R40 per member.

  11. Additional Fees for Age Groups:

    • 60-69 years: R50

    • 70-79 years: R70

    • 80-85 years: R99

  12. Age Group Changes: Clients must inform us when dependents change age groups. Failure to notify Phupho And Weza Group will result in a claim being denied if the member passes away, and no arrears accounts are entitled to claims.

  13. Accuracy of Information: Ensure that all names, surnames, and ID numbers provided are correct. Incorrect information that affects the claim approval will not be the responsibility of Phupho And Weza Group.

  14. Forfeiture of Joining Fee: If only the joining fee is paid and the first-month payment is not made within two months, the joining fee will be forfeited.

  15. Refund Policy: No refunds will be made if a client cancels the account after payment.

  16. Kids Food List: Only children aged 5 months to 6 years fall under this list.

  17. Preparation Food List: Children under 6 years are only entitled to funeral and cleansing food cover, not preparation food cover.

  18. Nomination of Claimant: The account holder must nominate a claimant or primary beneficiary who will be the only person allowed to claim.

  19. Claim Procedure: No claim will be released unless logged by the account holder or their chosen claimant.

  20. Duplicate Coverage: Ensure no member under your policy is covered by another policy with Phupho And Weza Group. Only one (1) claim per ID number will be released.

We Will Not Pay a Claim If:

  1. Fraud: Fraudulent claims will result in policy cancellation or rejection without refund.

  2. Unpaid Premiums: Claims will not be paid if premiums are unpaid or not fully paid.

  3. Late Document Submission: Claims must be submitted at least 4 days before the funeral, except for toddlers.

  4. Pre-Waiting Period Events: Claims will not be paid if the event occurred before the cover start date or during the waiting period.

  5. Unreported Age Group Changes: Claims will be denied if age group changes are not reported, and no payment has been made for the new age group.

Claims:

  1. Active Policy Requirement: Claims are only approved if the death occurs while the policy is active.

  2. Timely Claims: No benefit will be payable if no claim is made before the funeral.

  3. Waiting Period: Claims for events occurring before the cover start date or within the waiting period will not be paid.

  4. Accuracy of Information: Incorrect or undisclosed information may result in the refusal or recalculation of benefits.

Delivery Fee:

1.        Any member who claims, will have to pay the delivery fee.

2.        Costs of delivery fees are as follows:

A.        KZN: Minimum of R500.00 to a maximum of R 2000.00

B.        Gauteng: Minimum of R500.00 to a maximum of R 2000.00

C.        Mpumalanga: Minimum of R500.00 to a maximum of R 2000.00

D.       Free State: Minimum of R500.00 to a maximum of R 2000.00

E.        Eastern Cape: Minimum of R500.00 to a maximum of R 3500.00

F.        Western Cape: Minimum of R500.00 to a maximum of R5000.00

G.       Northern Cape: Minimum of R500.00 to a maximum of R 4000.00

H.       Limpopo: Minimum of R500.00 to a maximum of R5000.00

I.         North West: Minimum of R500.00 to a maximum of R4000.00

3.        All the exact delivery fees will be counted and charged according to the radius from the picking-up point to the delivery place.

4.        The delivery fee must be paid into to Phupho And Weza Group bank Account within 24 hours after the claim has been approved.

Should the account holder/ claimant fail to pay the charged delivery fee in full, no delivery will be made. 

  1. .

Premium Price Increase: Phupho And Weza Group may adjust premiums if supplier prices or VAT increase. Clients will receive a written notice at least 30 days before the increase is implemented.

Benefits:

  1. Coverage: Clients will receive only the items listed.

  2. Preparation Days: Food coverage is for a minimum of 5 and a maximum of 7 days. Food quantities are divided according to the number of preparation days.

How to Claim:

  1. Report a Claim: Call Phupho and Weza Group (PTY) LTD at 073 162 2288.

  2. Email: Send claim details to operations@phuphoandwezagroup.co.za.

  3. Visit: Visit our offices.

  4. Contact: Send claims to:

    • WhatsApp: 076 141 7148

    • Email: claims@phuphoandwezagroup.co.za

Documents Required:

  1. Claimant’s ID: Original or certified copy.

  2. Beneficiary’s ID: Original or certified copy.

  3. Death Certificate: Original or certified copy.

  4. Additional Documents: Any other required documents/reports to assess the claim validity.

 

Notice: Phupho And Weza Group reserves the right to amend or update terms and conditions without prior consultation or notification to account holders, to ensure smooth operation and management. By signing this document, you agree to comply with all terms and conditions and authorize Phupho And Weza Group (PTY) LTD to make necessary amendments or changes at any time.