Terms And Conditions

Principal Member

Any person who has completed an application form and been admitted to membership of the Scheme and is allowed to elect participation in the Policy, in accordance with the eligibility conditions as stated in the policy schedule, and who has not reached the age of 65 years.

Member – R 10,000 benefit Family Dependants (Max 9) – R 10,000 benefit (each)

Dependant Members:

Up to 9 (nine) Family Dependants are covered.

Family Dependant in regard to the Principal Member means any person in which the Main Member has an insurable interest, this includes a Spouse and a Child, additional Spouses, parents and parents-in-law, brothers, sisters, uncles, aunts, nephews and nieces, who is nominated to the Front Office by the Principal Member.


The Principal Member and Family Dependants that have been accepted by the Insurer.


Any person nominated by the Principal Member to whom death benefits will be paid in the event of a successful claim, due to the death of the Principal Member.

General terms and conditions

The Principal Member may not cede the benefit and any cession shall be null and void.

Each Principal Member must complete an application form and nominate his/her beneficiary. Benefits cease upon the death of the Principal Member or his/her written instruction to terminate the contribution and benefits or in case of non-payment for the benefits.

Waiting periods

There is a 6 (six) month waiting period for Principal Members and Family Dependants.

Age limitations

The Principal Member must be between the ages of 18 and 65 at the time of application. Family Dependants must be between the ages of 0 and 65 at the time of application.

Surrender values

There are no surrender values. Benefits may not be ceded or pledged in any way. No loans will be accepted against any benefits.

Specific exclusions

African Unity Insurance shall not be obliged to make payment in respect of any condition or event arising directly or indirectly from, contributed to by, or traceable to:

  1. Suicide within the first 24 (twenty four) months of application.
  2. War, invasion, acts of foreign enemy, hostilities, rebellion, revolution, insurrection or military or usurped power, or by ionizing radiation or contamination by radioactivity from any nuclear fuel or waste.
  3. Any participation in hazardous sports i.e. motor/cycle racing, mountain climbing etc.
  4. Any involvement or participation in any criminal activity.
  5. Premium payments must be up to date to qualify for benefits.

Description of benefits:

(a) Funeral Benefit for the Principal Member

The Insurer will pay the Insured’s beneficiary or estate R10 000 (ten thousand rand) upon death of the Principal Member.

(b) Funeral Benefit for the Family Dependants In case of the death of the Principal Member’s Family Dependants, the Insurer will pay the Principal Member the amount of R10 000 (ten thousand rand) per Family Dependant.


Should you not pay the monthly premium, your policy will lapse. In such event, no premium refunds or benefits will be due and payable to you.

Burial Repatriation Benefit

This benefit is not described in the policy and is available on the death of any Insured or Family Member at no charge.

The benefit provides for transport of the deceased via road or air from anywhere in South Africa, Lesotho, Swaziland, Zimbabwe, Botswana, Namibia or Mozambique (south of the 22o latitude), to the funeral home closest to the place of burial in South Africa.

One relative may accompany the body to the funeral home, and if needed, overnight accommodation (one night) will be provided at no additional cost.

When a member’s death occurs more than 100km from their normal place of residence / place of burial, the deceased will be transported to the place of burial irrespective of where the death occurred or where the burial will take place, provided that the repatriation is within the defined territory.

Call: 0860 000 265

Claims procedure

In the event of a claim, report claims to the Client Service Centre immediately on 086 514 1115 or claims@phakama.co.za. Claim forms must be requested from Phakama and together with the relevant supporting documents, must be submitted to Phakama within 180 days of the date of event. Failure to do so could result in the benefit being forfeited.

Copies must be clearly certified. The details of the Commissioner of Oath with all of the relevant details must be clear.

NB: Posted documents must be sent via registered mail.


Complaints that cannot be resolved via the Client Service Centre, should be reduced to writing and be addressed to the Complaints Officer of Phakama at the address below.

Phakama Administration Services (Pty) Ltd, An Authorised Financial Services Provider FSP no. 1473, Lynnridge Mews – 5th Floor, 22 Hibiscus Street, Lynnwood Ridge, 0081, Tel: +27 12 348 8310, Fax: 086 514 1115, Private Bag x13, Lynnwood Ridge, 0040

African Unity Insurance Limited, A Licensed Financial Services Provider FSP no. 8447, Old Museum Building, First Floor,, 28 Bird Street, Central, Port Elizabeth, 6001, Tel: +27 41 582 4577, Fax: +27 41 582 3865, PO Box 12270, Moffat Place, 6002

ADMINISTRATION HELP LINE:, Tel: (012)348 8310, Fax: 085 101 2430 or 086 514 1115 or (012)365 2871


The Ombudsman for Long-term Insurance, Private bag X45, Claremont, 7735Tel: 021 657 5000 / 0860 103 236 Fax: 021 674 0951

FAIS Ombudsman, Financial Services Board P.O. Box 74571 Lynnwood Ridge, 0040, Tel: (012) 470–9080 Fax: (012) 348 3447