Terms and Conditions

Below is a schedule of the key terms and conditions applicable to the 2Help1 Policy, as entered into between 2Help1 Underwriting Managers (Pty) Ltd (“the Company”) and the “Client”.

General Policy Terms

The 2Help1 Policy is automatically renewed monthly with an annual review, provided the premium is received on the due debit date.
No cover applies for any month in which the premium has not been received.
The Company acts as an agent for the Service Provider. All service liabilities rest with the Service Provider.
The Company is not liable for non-delivery, delays, or quality of service.
The Company may substitute one Service Provider for another with 30 days’ written notice.
The Client may cancel the Policy with one calendar month’s written notice by fax or registered post.
An annual administration fee will be debited on the anniversary of the policy.

Special Conditions

All Principal Members must nominate dependants on the application form.
Only nominated individuals are eligible for claims.
Participation is voluntary and valid while the plan remains active.
Coverage ceases upon non-payment or death of the Principal Member.
Dependants must notify AUI in writing if they wish to continue cover.

Changes to Member’s Record

All changes must be submitted by the member to prevent delays in claims.

Waiting Periods

Natural death under age 64: 6-month waiting period (from first premium).
Accidental death: Covered immediately after first premium.
Suicide: No cover within the first 12 months.

Premium Payment

Premiums are payable monthly in advance to African Unity Life (AUL).
Payment is plan-specific.

Grace Period

A 15-day grace period applies after the first premium.
If payment is not received within this period, cover lapses.
Waiting periods reset upon rejoining.

Definitions

Principal Member: Employed individual or paying client meeting eligibility.
Spouse: Legally or customarily married partner, including common law and same-gender partners.
Children: Unmarried biological, step, or adopted children under 21 (or 25 if full-time students). Disabled children covered beyond 21. Stillborns covered from 26 weeks.
Extended Member: Financial dependants such as parents, siblings, nieces, etc.

Notes

Only nominated individuals can claim.
Updates for life events (marriage, birth, etc.) must be submitted in writing.
Updates may be subject to waiting periods.

Revision

AUL may revise the Plan at any time with 3 months’ notice to the Policyholder.
New premiums must be accepted by the Policyholder.

Cancellation

All liabilities cease upon written cancellation and last premium payment.
Cancellations may be initiated by AUL, the Policyholder, or the Principal Member.

Surrender Values

No surrender values or loans are allowed.
Benefits may not be pledged or ceded.

How to Claim

Contact the 2Help1 Claims Hotline on 0861 243 571 for a claim form.

Claims Requirements

AUL claim notification form
Certified copy of the death certificate
Certified IDs of the deceased and the claimant
Marriage certificate (if deceased was a Spouse)
Proof of child-parent relationship (if deceased was a child)
Fully completed BI 1663 form
Proof of full-time student status (if applicable)
Medical certificate for disabled children (if applicable)
Additional documents as required

Claims must be reported within 6 months.
Required documents must be submitted within 30 days of reporting.

Premiums

Premiums are due monthly in advance in ZAR.
Cover applies only for months where the premium was received by AUL.

Payment of the Benefit

Death of Principal Member: Beneficiary must notify AUL within 6 months. Payment is made to the nominated beneficiary.
Death of Dependant: Principal Member must notify AUL within 6 months. Payment is made to the Principal Member.

Correctness of Statements

Incorrect or false information may void the policy.
Benefits may be forfeited if misrepresentation is discovered.
AUL may recover benefits paid out due to false information.

Amount of Benefit

Benefit amounts are detailed in the applicable group schedule.

Exclusions

No claims will be admitted for causes including (but not limited to):

War or military action
Riot or civil unrest
Terrorism
Criminal acts

Fraud

The policy is void if fraudulent claims are made.
Fraudulent means used to gain benefits will result in forfeiture.
AUL must not be misled at any stage.

Law

The policy is subject to South African law.