Vodacom Life Cover Terms and Conditions


It is important you also read the terms and conditions outlined below (we will send you a copy once you have completed the sign on process). 

On receipt of your policy document, please ensure that you review the terms and conditions in detail as well as the information you provided to us. Contact us immediately if you find any inaccuracies or require us to clarify anything for you.

By accepting these terms and conditions, you are acknowledging that:

- You have accepted the cover and that you understand all the features, benefits, limitations and costs associated with the Vodacom Life Cover.

- You give Vodacom Life permission to collect your monthly premium from your bank account. Please ensure sufficient funds to avoid banking fees on rejected debit orders.

- You have considered and found this specific product to be applicable to your current financial needs, objectives and circumstances.

Summary of benefits

What you need to know

About this Vodacom Life Cover offering

Our product will cover you when you pass on, as a result of natural causes or even due to an accident or criminal act against you. This means your beneficiary will receive a lump sum cash pay-out from R100 000 up to R1.5 million. This money is tax free and can be used however you wish. More importantly this means that you have peace of mind knowing that they will be sufficient cash available to your beneficiary when they need it most. 

What is great about this product is that it provides great value for money, is simple and convenient, with no medical tests.

Benefit Options Available to You

Life Cover - benefits offered to customers pays out a lump sum in the event of the life assured’s death due to natural causes.

Injury Cover - benefits offered to customers pays out a lump sum in the event of the life assured suffering from an injury or trauma. Injury Cover is an acceleration of Life Cover (i.e. Life Cover is compulsory if taking out this benefit).


Accidental Death Cover - benefits offered to customers pays out a lump sum in the event of the life assured’s death due to unnatural causes.


Requirements to Qualify For The Cover

You must have a valid South African Identity Document.

You must be between 18 and 64 years of age to apply for cover.

How Things Work

Your cover will start after you’ve made your first payment, on your cover start date. As long as you make your payments every month, cover will continue until you die. Due to a number of factors, including risk factors that may have an impact on the pricing of the product, we may adjust the premium. We will notify you in advance of any adjustments. Your premium and life cover will increase by 5% per year on each policy anniversary. You may apply to change your cover at any time to ensure that it remains adequate. Changes will be effective from the 1st of the month following the request for change, as long as we have received the adjusted monthly payment. If you have increased your cover, any waiting periods and exclusions will apply to the increased portion, as will any new terms and conditions.


Adding a Beneficiary

The Vodacom Life Cover will pay out into your estate unless you provide us with details of your beneficiary. You can update your beneficiary details by calling 082 124.

Waiting Period

Vodacom Life Cover has a three-month waiting period for death as a result of natural causes. This means, if a person covered dies from natural causes in the first three months from the cover start date, the cover amount will not be paid. If a person covered dies from natural causes after three months from the cover start date, the cover amount will be paid. 

However, if a person covered by this policy dies from an accident in the first three months from the cover start date, the cover amount may be paid provided that the policy is valid. An accidental death is a sudden and unforeseen event occurring at an identifiable place and time, which has a visible, violent or external cause, and results in the death of the life assured. An example of an accident is a vehicle accident. 

Exclusions

We won’t pay out in the event of suicide, or if you die because of self-harm, within 24 months of the cover start date. In the event where you apply to increase your level of cover, a new cycle of 24 months of exclusion will apply to the added cover. We also won’t pay out if you die while breaking the law or while intentionally putting yourself in a position where you are exposed to war or war-like activities. 

We will also not pay out due to any of the exclusions listed below: 

Participation in civil commotion, insurrection, riot, usurpation of power, terrorism or acts of terrorism; 

Radioactivity and nuclear explosions; 

Failure to disclose information; 

Excessive consumption of alcohol, intentional inhalation of fumes, intentional and negligent consumption of poisons, drugs, narcotics or medication (unless prescribed by an independent medical practitioner and used as described). 

Participation in hazardous sports or pursuits, including solo climbing mountaineering; ice climbing; base jumping; professional boxing, professional kick-boxing and professional wrestling; cave diving  and internal exploration of wrecks; unaccompanied scuba diving; diving at depths greater than 40m; motorized racing or speed contests; recurrent hang-gliding, paragliding, sky-diving, parachuting or sky-surfing; microlight, helicopter or gyrocopter flying; acrobatic flying and hazardous aviation activities with a fixed-wing aeroplane. 

Any policy-specific policy exclusions for pre-existing conditions as stated in your policy document. 

There is a total travel exclusion to countries which are deemed high risk as reflected below: 

Afghanistan

Burkina Faso

Burundi

Central African Republic

Chad

Iraq

Libya

Mali

Mauritania

Niger

Somalia

South Sudan

Syria

Venezuela

Yemen

This list of countries gets updated regularly by Vodacom Life. Should you have any doubt about your cover abroad, kindly ensure you contact Vodacom Life on 082 124.


What You Need To Do To Remain Covered

Participation in civil commotion, insurrection, riot, usurpation of power, terrorism or acts of terrorism; 

Radioactivity and nuclear explosions; 

Failure to disclose information; 

Excessive consumption of alcohol, intentional inhalation of fumes, intentional and negligent consumption of poisons, drugs, narcotics or medication (unless prescribed by an independent medical practitioner and used as described). 

Participation in hazardous sports or pursuits, including solo climbing mountaineering; ice climbing; base jumping; professional boxing, professional kick-boxing and professional wrestling; cave diving  and internal exploration of wrecks; unaccompanied scuba diving; diving at depths greater than 40m; motorized racing or speed contests; recurrent hang-gliding, paragliding, sky-diving, parachuting or sky-surfing; microlight, helicopter or gyrocopter flying; acrobatic flying and hazardous aviation activities with a fixed-wing aeroplane. 

Any policy-specific policy exclusions for pre-existing conditions as stated in your policy document. 

There is a total travel exclusion to countries which are deemed high risk as reflected below: 

Afghanistan

Burkina Faso

Burundi

Central African Republic

Chad

Iraq

Libya

Mali

Mauritania

Niger

Somalia

South Sudan

Syria

Venezuela

Yemen

This list of countries gets updated regularly by Vodacom Life. Should you have any doubt about your cover abroad, kindly ensure you contact Vodacom Life on 082 124.

What You Need To Do To Remain Covered

To ensure your cover is valid, please make sure that you:

Check Your Answers to the Medical and Lifestyle Questions

The medical and risk assessment questions that you answered when you took out the product, are the basis for your agreement. Please go through the answers and make sure that you agree with them. Contact us immediately if you find any inaccuracies.

The answers that you gave during the call will be verified in the event of a claim and any errors could result in an unsuccessful claim.

All calls are recorded and a copy can be made available to you on request.


Keep Making Payments

You need to ensure that there is money in your chosen bank account on the agreed monthly payment date. If you have missed a payment, a grace period of 30 days will apply during which a double-debit instruction will be submitted to collect the arrears. In the event of non-payment of the double-debit, your policy will be cancelled and you will not be eligible for any claims.  

In the event that a claim occurs during the grace period, we will subtract the outstanding monthly payments from the lump sum payout and the remaining lump sum payout will be paid out to your nominated beneficiaries.  

Please also note that should your first premium be missed, your policy commencement date will be moved and we will attempt to debit your chosen bank account again. In the event of non-payment on the second attempt, the policy will not commence.


Tells Us about Changes to Your Lifestyle or Occupation

Any changes to your lifestyle (not your health) could affect your cover. Let us know if any of the following changes:

Your smoking habits

Your participation in any risky sports or activities

Your occupation

Your intent to spend more than 30 consecutive days outside South Africa.

After being informed of any of these changes, we may adjust the agreed payout and monthly payments or not be able to provide cover. However, if you don’t let us know, any future claims could be affected or even refused.

Cessions

This cover may be ceded to, in other words transferred to, one registered financial institution referred to as the cessionary, for security on a loan. If you cede your full cover, the claim payout will go to the cessionary and not to the beneficiaries listed on your policy. If the cession needs to be changed or cancelled, e.g. if the loan debt is settled, the cessionary must communicate with us in writing, for us to acknowledge the change or cancellation. This communication needs to include updated beneficiary details. You may choose to reinstate the existing beneficiary nomination or make a new nomination. We are not responsible for the validity of the cession, or any payouts to beneficiaries related to the cession.

Questions You May Have

If you have any questions about your policy, call us on 082 124.  You can also visit us at www.vodacom.co.za/insurance for any other information you may need.


Claiming 

In the event that your beneficiaries need to claim, they should use the following contact details: 

Tel: 082 124

Fax: 011 546 8444 

Email: lifeclaims@vodacom.co.za 

A claims agent will assist your beneficiaries through the claims process and request all the information that is necessary to assess the claim efficiently. This includes verifying information that we have on record as well as any information received at claims stage.

Important Claim Time Limits 

It’s important that we are informed about the event that leads to the claim within 90 days of it happening. The claim may be declined if we are not informed in time.

Disputed Claims 

Should your beneficiaries wish to dispute the claim decision, they have to do so within 180 days of receiving a formal communication about the outcome of the claim. The beneficiaries must submit the reasons for the dispute in writing for it to be re-assessed. If they would like to institute legal proceedings, it must be done within 180 days of receiving a formal communication of the claim outcome.

Unpaid or Unclaimed Payout Amounts

It is your responsibility to make sure that we always have up-to-date contact information for you and your beneficiaries. If we become aware that there are payouts due to be made under this policy, we will always first try to contact your beneficiaries at the last contact details provided to us. If we are not able to make contact, we have to take reasonable steps to find the beneficiaries. In order to do this, we may have to appoint external tracing agents and this agreement permits us to give the tracing agents access to personal information. Please also note that a tracing and management fee may be deducted from the payout amount. We will pay interest, if applicable.

Fraudulent Claims

If any claim under your policy involves fraud, misrepresentation or false information, the agreement may be cancelled. In this case, no payouts will be made and no monthly payments will be refunded.

Force Majeure

Force Majeure refers to circumstances beyond our reasonable control, such as an act of God, acts of the State or Government, exceptional weather conditions, total national electricity failures, war or war-like activities or serious delays in public transport that may prevent us from carrying out our obligations under this agreement. In the event of a force majeure this agreement will be suspended until we can deliver on our obligations. We will, if possible, notify you of the suspension and the estimated duration of the suspension. We will not be liable for any damages caused as a result of the suspension.


Complaints and Compliance

We appreciate you as a client, so if at any point you are unhappy with any aspect of our service or the benefit offering, please give us a chance to resolve the matter. To ensure our focused attention, please use the following contact details:  

Call:   082 124  

Email:  lifecomplaints@vodacom.co.za 

Fax:  011 546 8446 

Address: Private Bag X9904, Sandton, 2146

If you are not satisfied with the result of the complaint resolution or have a compliance-related query, please use the following contact details:

Services:

Office of the FAIS Ombud

Products:

Ombudsman for Long-term Insurance

 

 

Call: 012 762 5000

Call: 0860 103 236

Email: info@faisombud.co.za

Email: info@ombud.co.za

Fax: 012 348 3447

Fax: 021 674 0951

Address: PO Box 74571, Lynnwood Ridge, 0040

Address: Private Bag x45, Claremont, 7735


This policy is underwritten by Vodacom Life Assurance company (RF) Limited and distributed by CCI SA Financial Service (PTY) LTD, an authorized financial services provider.  Should you purchase this policy, your personal details will be passed to our partners in order to process and service your policy. Please note that your acceptance of this benefit constitutes your consent in this regard.

Cooling-Off Period

If you decide to cancel the agreement within the cooling-off period, of 30 days after receiving this agreement, we will refund any payments already made under this policy agreement. The cooling-off period only applies if a claim has not been submitted or if no cover amounts have been paid out. If this agreement is cancelled at any time after the cooling-off period, payments made to us will not be refunded, as cover would have been provided.

Cancellation of Your Policy Agreement

You can cancel this policy at any time by sending us a cancellation request in writing, e.g. by email, fax or letter.

Email: lifecustomercare@vodacom.co.za

Fax: 011 546 8446

Address: Private Bag X9904, Sandton, 2146

The agreement will come to an end on the last day of the calendar month for which you have already made your payment and no cover will be provided after that date.

Your policy will automatically come to an end in the event of your death.

If your policy agreement is cancelled, you may have to apply for a new policy.

Currency and the laws that apply to this policy

This policy agreement is subject to South African law and all payments and payouts will be in rands from and to a South African bank account. In the event that the law or the interpretation thereof changes, we may change the terms of this policy. We will notify you of any such changes. 

Injury Cover – Conditions Covered*

*Please refer to condition specific exclusions in your policy document.

Musculoskeletal

 

 

Conditions covered in this section must be diagnosed and confirmed by the treating specialist and must be supported by relevant special investigations.

For amputation or loss of use of limbs and fingers, the impairment must be assessed as total, permanent, irreversible and due to injury or trauma. For loss of use of limbs, maximum medical improvement must have been reached. Vodacom Life reserves the right to have an independent functional ability assessment done by a health practitioner.

A limb is defined as either an upper limb (at the level of the wrist or higher) or lower limb (at the level of the ankle or higher);

  • Hand is defined as the region below the wrist;
  • Foot is defined as the region below the ankle;
  • Loss of or loss of use of the finger(s) must involve the metacarpal joint;
  • Loss of or loss of use of the toe(s) must involve the metatarsal joint.

Amputation or complete loss of use of upper limb

50%

Amputation or complete loss of use of lower limb

50%

Amputation or complete loss of use of entire hand

50%

 

 

Amputation or complete loss of use of thumb and index finger of the dominant hand

50%

Amputation or complete loss of use of 2 limbs or both hands or both feet

100%

Amputation or complete loss of use of the foot

50%

 

 Burns

Burns must be diagnosed and confirmed by the treating specialist and must be supported by relevant special investigations.

 

Full thickness burns of greater than 25% of the face or 20% of the body surface area.

100%

Full thickness burns of between 10% and 20% of the body surface area.

50%

 

Facial disfigurement

Facial disfigurement must be diagnosed and confirmed by the treating specialist and must be supported by relevant special investigations.

 

Severe facial disfigurement as a result of trauma or accidental injury of 25% of the face with involvement of the nose, eye, ear or mouth.

50%


Paralysis

Paralysis must be diagnosed and confirmed by the treating specialist and must be supported by relevant special investigations.

 

Paralysis (hemiplegia, diplegia, paraplegia and quadriplegia) due to injury or trauma

100%

Coma

Coma must be diagnosed and confirmed by the treating specialist and must be supported by relevant special investigations.

 

Coma (GCS<8/15) due to trauma resulting in ICU admission and mechanical ventilation for >96 hours.

100%

 

Visual loss

 

Visual loss must be confirmed by an ophthalmologist and must be supported by relevant special investigations.

 

Complete and permanent visual loss as defined by a Snellen rating of less than 20/200 or worse bilaterally with use of appropriate aids. Cataracts are specifically excluded.

100%

Complete and permanent visual loss in one eye. Cataracts are specifically excluded.

50%

 

Hearing loss

 

Diagnosis of hearing loss must be confirmed by an audiologist and an ear, nose and throat specialist and must be supported by relevant special investigations.

 

 

Hearing loss of 90db or more in both ears measured over the frequencies (500, 1000, 2000, 3000Hz) in two measurements over 6 months with a hearing aid.

100%

Hearing loss of 70dB in both ears measured over the frequencies (500, 1000, 2000, 3000 Hz) in 2 measurements over six months with a hearing aid.

50%

 

 


Loss of speech

 

An appropriate specialist must confirm the condition.

 

 

The total and permanent loss of the ability to speak as established over a period of 3 months. Loss of speech due to any psychological or psychiatric disorder is specifically excluded.

 

 

 

100%