Add a beneficiary to your policy so that we can pay directly to them. You can do this by calling our customer services team on 086 100 VIVA (8482) or via email to support@vivalife.co.za.

In the event of your death, your beneficiary will need to contact us by emailing claims@vivalife.co.za or calling 086 100 VIVA(8482). We will request the relevant documents, to ensure the claim is assessed efficiently.

We require notification of death within 90 (ninety) days of it happening. If we are not informed within that time, the claim could be repudiated.

For your claim to be paid, we require:

• That your premiums are up to date.
• Correct and completed claims documents.

Disputed claims

• The claimant has 90 (ninety) days from the date of the communication of our decision to question our decision on a claim.
• Should we repudiate the claim again and they wish to start a legal process or log a complaint with the Long-term Insurance Ombud, they will have an additional 180 days, after the 90-day period, to do so.

Premiums are payable in advance on the selected debit order date. Your premiums are subject to change, depending on the claims, expense and investment experience of Viva Life Insurance Limited.

Premiums will increase annually due to inflation

We will communicate any changes in premiums to you with a 31-day notice.

If you have any issues or questions about your cover, feel free to email us on support@vivalife.co.za or call us on 086 100 VIVA (8482) to get more information on the policy.

For complaints and compliance

We appreciate you as a client, so if at any point you are unhappy with our service or product, please contact us using the following:

Please	Then	Or
Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:	If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:	If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:
Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021	Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735	Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040
Call: +27 86 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: +27 86 245 4931	Call: +27 860 103 236 Email: info@ombud.co.za Fax: +27 21 674 0951	Call: +27 860 324 766 Email: info@faisombud.co.za Fax: +27 12 348 3447

Please

Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:

Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021

Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 245 4931

Or

If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:

Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735

Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951

Then

If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:

Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040

Call: 0860 324 766 Email: info@faisombud.co.za Fax: +27 12 348 3447

• You must have a valid South African Identity Document.
• You must be over 18 years and not older than 65 years on your next birthday to be eligible for cover.
• We will not pay out if your death or disability is as result of deliberate involvement in an illegal act, riot, civil commotion, terrorist attack, or war.
• Your premiums will be renewed and reviewed monthly.
• There is a 6-month claim waiting period on your policy and we will not pay out if your death is not as a result of an accident.
• Cover is limited per insured child as follows:
• For stillborn children (after 28 weeks of pregnancy), 10% of the sum assured
• Children up to the age of 6 years, 25% of the sum assured
• Children older than 6 and up to the age of 14 years, 50% of the sum assured

Why Should I buy Funeral Cover?

Many individuals prefer to postpone the purchase of any insurance until such a time that they have dependents. It is important to ask yourself if anyone will suffer financially if you were to die. It would be unwise to delay purchasing such insurance.

When does my cover begin?

Cover begins once your application has been approved by the insurance company and your first premium due, has been paid.

What happens if I miss a payment?

Should you miss a payment for any reason, we will collect a double debit order the following month for up to a maximum of 3 months. If your policy lapse and you would like to reinstate and resume payments, waiting periods would reapply.

Are the proceeds from an insurance policy taxable?

The proceeds from an insurance policy are not taxable because of their nature. The proceeds are of a capital nature and are therefore not taxable as income. All proceeds that are of a capital nature are subject to Capital Gains Tax. However, the proceeds from insurance are exempt from Capital Gains Tax.

Is there a waiting period when I cannot claim?

There are no waiting periods if your death is as a result of an accident. However there is a 6-month waiting period in the event of death due to natural causes.

How long does it take my beneficiary to receive my money after I die?

Your beneficiary can receive payment within 48 hours of the claim. Promptness of payment is dependent on the correct documentation being supplied to us.

Add a beneficiary to your policy so that we can pay them directly in the event of your death. You can do this by calling our customer services team on 086 100VIVA (8482) or via email to support@vivalife.co.za.

In the event of your death, your beneficiary will need to contact us by emailing claims@vivalife.co.za or calling 086 100 VIVA(8482). We will request the relevant documents, to ensure the claim is assessed efficiently.

We require notification of death within 30 days of it happening. If we are not informed within that time, the claim could be declined.

There is a 6 month waiting period (from Commencement Date) where claims cannot be made for payment. However, if your death is a result of an accident, we will pay out within the first 6 months.

For your claim to be paid, we require:

• That your premiums are up to date.
• Correct and completed claims documents.

Disputed claims

• We allow 90 days from the date of the communication of our decision for your beneficiary or estate to dispute our decision on a claim.
• Should we decline the claim again and they wish to start a legal process, they will have an additional 6 months, after the 90 days, to do so.

Upon your death your Spouse can choose to continue with the Policy subject to the following:

• The choice must be made within 60 days of your death, after which the option will no longer be available.
• Your Spouse must have a bank account from which we can collect premiums for the Policy.
• No new waiting periods will be applicable for the assured lives under the new Policy.
• No Benefits will be paid until Viva Life has sent a new Policy Schedule and the first Premium received under the new policy.
• Your Spouse will become the policy owner and the premium payer.

Your premiums are subject to change, depending on the claims, expense and investment experience of Viva Life Insurance Limited, an authorised Financial Services Provider which underwrites, administers and issues the Viva Life insurance products.

It is expected that premiums can increase due to inflation over time.

Should your premium change, we will communicate the change to you with a 30 days’ notice.

If you have any issues or questions about your cover, feel free to email us on support@vivalife.co.za or call us on 086 100 VIVA (8482) to get more information on the policy.

For complaints and compliance

We appreciate you as a client, so if at any point you are unhappy with our service or product, please contact us using the following:

Please	Then	Or
Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:	If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:	If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:
Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021	Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735	Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040
Call: +27 86 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: +27 86 245 4931	Call: +27 860 103 236 Email: info@ombud.co.za Fax: +27 21 674 0951	Call: +27 860 324 766 Email: info@faisombud.co.za Fax: +27 12 348 3447

Please

Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:

Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021

Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 245 4931

Or

If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:

Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735

Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951

Then

If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:

Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040

Call: 0860 324 766 Email: info@faisombud.co.za Fax: +27 12 348 3447

• You must have a valid South African Identity Document.
• You must be between 18 and 65 to be eligible for cover.
• If you die we will pay out your Funeral Cover either to your beneficiary or to your estate.
• We will not pay out if your death is a result of suicide, deliberate involvement in an illegal act, riot, civil commotion, terrorist attack, or war.
• We will not pay out if your monthly premium has NOT been paid.
• Your premiums will be monthly renewable and reviewable.
• There is a 6 month claim waiting period on your policy and we will not pay out if your death is not as a result of an accident.
• We allow 6 months for your beneficiary or your estate to dispute our decision on a claim.

Why should I buy Family Funeral Cover?

Many individuals prefer to postpone the purchase of any insurance until such a time that they have dependents. It is important to ask yourself if anyone will suffer financially if you were to die. It would be unwise to delay purchasing insurance.

When does my cover begin?

Cover begins once your application has been approved by the insurance company and your first premium due, has been paid.

What happens if I miss a payment?

Should you miss a payment for any reason, we will collect a double debit order the following month and if your policy lapses and you would like to reinstate and resume payments, please note that the applicable waiting period would reapply.

Are the proceeds from an insurance policy taxable?

The proceeds from an insurance policy are not taxable because of their nature. The proceeds are of a capital nature and are therefore not taxable as income. All proceeds that are of a capital nature are subject to Capital Gains Tax. However, the proceeds from insurance are exempt from Capital Gains Tax.

Is there a waiting period when I cannot claim?

There is a 6 month claim waiting period on your policy and we will not pay out if your death is not as a result of an accident.

How long does it take my beneficiary to receive my money after I die?

Your beneficiary can receive payment within 48 hours of the claim. Promptness of payment is dependent on the correct documentation being supplied to us.

In the event that you are permanently physically disabled, you will need to contact us by emailing claims@vivalife.co.za or calling 086 100 VIVA(8482). We will request the relevant documents so that we can make payments as soon as possible.

We require notification of your disability within 90 (ninety) days of it happening. If we are not informed within that time, the claim could be repudiated.

For your claim to be paid, we require:

• that your premiums are paid up to date
• that you have a valid South African Identity Document

Disputed claims:

• The claimant has 90 (ninety) days from the date of the communication of our decision to question our decision on a claim.
• Should we repudiate the claim again and they wish to start a legal process or log a complaint with the Long-term Insurance Ombud, they will have an additional 180 days, after the 90-day period, to do so.

Premiums are payable in advance on the selected debit order date. Your premiums are subject to change, depending on the claims, expense and investment experience of Viva Life Insurance Limited.

Premiums will increase annually due to inflation

We will communicate any changes in premiums to you with a 31-day notice.

If you have any issues or questions about your cover, feel free to email us on support@vivalife.co.za or call us on 086 100 VIVA (8482) to get more information on the policy.

For complaints and compliance

We appreciate you as a client, so if at any point you are unhappy with our service or product, please contact us using the following:

Please	Then	Or
Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:	If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:	If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:
Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021	Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735	Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040
Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 245 4931	Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951	Call: 0860 324 766 Email: info@faisombud.co.za Fax: 012 348 3447

Please

Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:

Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021

Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 245 4931

Or

If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:

Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735

Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951

Then

If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:

Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040

Call: 0860 324 766 Email: info@faisombud.co.za Fax: 012 348 3447

• You must have a valid South African Identity Document.
• You must be over 18 years and not older than 59 years on your next birthday to be eligible for cover.
• We will not pay out if your death or disability is as result of deliberate involvement in an illegal act, riot, civil commotion, terrorist attack, or war.
• Your premiums will be renewed and reviewed monthly.
• There are no waiting periods in the event of accidental disability.
• There is a 6-month waiting period in the event of disability due to natural causes.
• We will only pay 50% of your claim amount if you are disabled due to natural causes after month 6 and before month 18.
• This product provides the cover amount in the case of you becoming permanently disabled, due to bodily illness or injury as defined below:
  • Both hands (from the wrist) = 100% of cover
  • One hand (from the wrist) = 50% of cover
  • Both feet (ankle and below) = 100% of cover
  • One foot (ankle and below) = 50% of cover
  • One hand and one foot = 100% of cover
  • Both legs (below the knee) = 100% of cover
  • One leg (below the knee) = 50% of cover
  • Both eyes = 100% of cover

How does it work?

IIf you become permanently disabled, Viva Life will pay the selected lump sum in line with the benefit limitations.

The cover will cease:

• on reaching age 70 or
• should you pass away; or
• if 100% of the benefit is settled.

Why should I buy Disability cover?

Disability Cover is ideal for a long-term solution when it comes to protecting yourself against financial pressure in the event of disability. We tend not to confront the reality of disability and the dramatic effect it could have on ourselves and families. The best thing about using an independent provider as opposed to company perks is that your cover is not tied up with your current job, meaning you're cover is managed by you, not your employer.

Are the proceeds from an insurance policy taxable?

The proceeds from an insurance policy are not taxable because of their nature. The proceeds are of a capital nature and are therefore not taxable as income. All proceeds that are of a capital nature are subject to Capital Gains Tax. However, the proceeds from insurance are exempt from Capital Gains Tax.

When does my cover begin?

Cover begins once your application has been assessed and approved by Viva Life and your first due premium has been paid.

What happens if I miss a payment?

Should you miss a payment for any reason, we will collect a double debit order the following month for up to a maximum of 3 months. If your policy lapses and you would like to reinstate and resume payments, waiting periods would reapply.

Are the proceeds from an insurance policy taxable?

The proceeds from an insurance policy are not taxable because of their nature. The proceeds are of a capital nature and are therefore not taxable as income. All proceeds that are of a capital nature are subject to Capital Gains Tax. However, the proceeds from insurance are exempt from Capital Gains Tax.

Is there a waiting period when I cannot claim?

There is a 6-month waiting period (from commencement date) where claims cannot be made for payment if your disability is due to natural causes. We will also only pay 50% of your claim amount if you are disabled after month 6 and before month 18. We will however honour your claim in the first 6 months if your disability is as a result of an accident.

In the event that you are hospitalised for a minimum of three days, you or your next of kin will need to contact us by emailing claims@vivalife.co.za or calling 086 100 VIVA(8482). We will request the relevant documents so that we can make payments as soon as possible.

We will provide all the information that is necessary for the specific claim over the phone. This will ensure that we can assess the claim quickly and efficiently and ensure quick payment.

Important time limit on claims

We require notification of your hospitalisation within 90 days of it happening. If we are not informed within that time, the claim could be declined.

For your claim to be paid, we require:

• That your premiums are paid up to date,
• That you have a valid South African Identity Document and
• That you have been hospitalised for longer than 72 consecutive hours

Disputed claims

• We allow 90 days from the date of the communication of our decision to you to question our decision on a claim.
• Should we decline the claim again and you wish to start a legal process, you will have an additional days to do so.

Your premiums are subject to change, depending on the claims, expense and investment experience of Viva Life Insurance Limited, an authorised Financial Services Provider which underwrites, administers and issues the Viva Life insurance products.

It is expected that premiums can increase over time due to inflation, and the upward pressure that HIV claims are likely to have on the portfolio.

Should your premium level increase or decrease, we will communicate any changes with you straight away.

If you have any issues or questions about your cover, feel free to call us on 086 100 VIVA (8482) or email us on support@vivalife.co.za to get more information on the policy.

For complaints and compliance

We appreciate you as a client, so if at any point you are unhappy with our service or product, please contact us using the following:

Please	Then	Or
Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:	If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:	If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:
Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021	Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040	Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735
Call: 086 100 VIVA (8482) Email: scomplaints@vivalife.co Fax: 086 245 4931	Call: 0860 324 766 Email: info@faisombud.co.za Fax: 012 348 3447	Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951

Please

Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:

Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021

Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 245 4931

Then

If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:

Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040

Call: 0860 324 766 Email: info@faisombud.co.za Fax: +27 12 348 3447

Or

If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:

Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735

Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951

• Pre-existing medical conditions. Exclusions will apply for all conditions we are aware of, or if you received special investigations or treatment during the 24 months prior to the inception of the policy, and for 24 months after the inception of the policy.
• Dental conditions and treatment.
• Treatment of infertility.
• Pregnancy, childbirth, or complications thereof, including cover for any congenital abnormalities or conditions in any newborn, unless the mother has been insured for more than 12 consecutive months.
• Hospitalisation not recommended by a qualified physician.
• Hospitalisation undertaken in nature, cure clinics or hydros or during periods of quarantine.
• Hospitalisation undertaken as a preventive measure.
• Hospitalisation due to Cosmetic or Plastic surgery except in the case of bodily reconstruction after injury.
• Hospitalisation arising from or following alcohol or drug dependence including. treatment of any medical condition which, in the opinion of the Insurer's consulting physician, is considered to be either an underlying cause of, or directly attributable to, alcohol or drug dependence.
• Once the 550 days maximum has been reached, cover on the policy will cease.
• Acts in violation of the law, including but not limited to driving with a blood alcohol content exceeding the legal limit, as well as driving a motor vehicle or motorcycle without a valid drivers license.
• There is a 6 month waiting period for non-accidental hospitalisation. We will however honour your claim within the first 6 months if your claim is the result of an accident.

How does it work?

If you are hospitalised for a minimum of 3 days, we will pay the daily benefit amount multiplied by the number of consecutive 24 hour days you were hospitalised. Cover is paid up to a maximum of 30days per stay and a maximum of 180 days per 2 year period. If you are re-hospitalised within 10 days it counts as the same event. There is an overall maximum of 550 days over the entire policy term. Once the 550 days maximum has been reached, cover on the policy will cease.

Your policy will cease when you reach 65 years of age.

Am I eligible to apply for cover?

If you are between the ages of 16 and 60, you are eligible to apply for cover.

When should I buy Hospital Cash Plan?

As soon as you can afford it.

Does the cover apply for all hospitals?

So long as the facility is licenced in accordance with the applicable laws of the area in which it is located:

• It is primarily engaged in providing, for compensation from its patients, diagnostic, medical and surgical facilities for the care and treatment of injured or sick persons.
• It has staff of one or more physicians available at all times.
• The facility has 24 hour a day nursing service by registered graduate nurses under the permanent supervision of the physician in charge.
• It maintains in-patient facilities and it keeps a daily medical record for each patient.
• It does not include any institution which is primarily a rest or convalescent facility, a place for custodial care, a facility for the aged or alcoholics or drug addicts or for the treatment of psychiatric or mental disorders, or a nursing home, even if it is registered as a hospital or clinic.

Cover for accidental causes will be in-force from receipt of the first premium. For non-accidental causes no payment will be made for events occurring in the first 6 months.

When does my cover begin?

Cover begins once your application has been assessed and approved by Viva Life and your first due premium has been paid.

Is there a waiting period when I cannot claim?

There is a 6 month waiting period where claims won't be paid. We will however honour your claim in the first 6 months if it is a result of an accident.

What happens if I miss a payment?

Should you miss a payment for any reason, we will collect a double debit order the following month and if your policy lapses and you would like to reinstate and resume payments, please note that the applicable waiting period applies.

Disclaimer

The Hospital Cash Plan is not a substitute for Medical Scheme membership, nor is the cover equivalent to that of a medical scheme.

Add a beneficiary to your policy so that we can pay directly to them. You can do this by calling our customer services team on 086 100 VIVA (8482) or via email to support@vivalife.co.za.

In the event of your death, your beneficiary will need to contact us by emailing claims@vivalife.co.za or calling 086 100 VIVA(8482). We will request the relevant documents from them so that we can make payments as soon as possible.

All the information that is necessary for the specific claims will be provided to you over the phone. This will ensure that all the information necessary to assess the claim is supplied quickly and efficiently.

We require notification of the death within 30 days of it happening. If we are not informed within that time, the claim could be declined.

There is a 6 month waiting period (from Commencement Date) where claims cannot be made for payment. However, if your death is a result of an accident, we will pay out within the first 6 months.

For your claim to be paid, we require:

• That your premiums are up to date.
• Correct and completed claims documents.

Disputed claims

• We allow 90 days from the date of the communication of our decision for your beneficiary or estate to question our decision on a claim.
• Should we decline the claim again and they wish to start a legal process, they will have an additional 6 days to do so

Your premiums are subject to change, depending on the claims, expense and investment experience of Viva Life Insurance Limited, an authorised Financial Services Provider which underwrites, administers and issues the Viva Life insurance products.

It is expected that premiums can increase due to inflation over time, and the upward pressure that HIV claims are likely to have on the portfolio.

Should your premium level increase or decrease, we will communicate any changes with you straight away.

If you have any issues or questions about your cover, feel free to call us on 086 100 VIVA(8482) or email us on support@vivalife.co.za to get more information on the policy

For complaints and compliance

We appreciate you as a client, so if at any point you are unhappy with our service or product, please contact us using the following:

Call: 0860 103 236
Email: info@ombud.co.za
Fax: 021 674 0951

Please	Then	Or
Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:	If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:	If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:
Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021	Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040	Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735
Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 245 4931	Call: 0860 324 766 Email: info@faisombud.co.za Fax: 012 348 3447

Please

Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:

Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021

Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 245 4931

Then

If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:

Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040

Call: 0860 324 766 Email: info@faisombud.co.za Fax: +27 12 348 3447

Or

If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:

Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735

Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951

• If you had or were aware of any chronic or life threatening medical condition, disability, illness, bodily injury or defect which existed before cover started.
• If you refuse any medical treatment recommended by a medical practitioner or by our Chief Medical Officer.
• If you commit suicide within the first 24 months of cover.
• Intentional, self-inflicted injury or illness.
• If you (or any person acting on your instruction) intentionally participate in any criminal activity that contravenes common law or legislation
• If you drive while being under the influence of drugs with a narcotic effect unless prescribed by a qualified and registered medical practitioner
• If you drive under the influence of alcohol and your blood alcohol level exceeds the legal limit

There is no retrenchment benefit arising directly or indirectly from or linked to any of the following:

• If you are retrenched because of a strike, labour dispute or industrial action, whether you participate or not.
• If you are self-employed.
• If you resign, accept voluntary retrenchment or redundancy, retire or select early retirement.
• If you had reasonable grounds for believing that you will become unemployed, retrenched or made redundant at the start of the cover.
• If you were not employed on a permanent basis for at least 12 months before the retrenchment date.
• If your fixed term employment contract expires, whether the contract is renewable or not.
• Any action where you were in dispute with your employer that dismissed you and a settlement was reached.

When should I buy Bill Protection?

Many individuals prefer to postpone the purchase of any insurance until such a time that they have dependents. It is important to ask yourself if anyone will suffer financially if you were to die. It would be unwise to delay purchasing such insurance.

What is the difference between Bill Protection and Income Protection?

Bill protection is another name for short term income protection. This type of insurance pays you a monthly (amount decided by you when you take the policy out) to help you cover bills up to the amount allocated to your monthly premium.

Income protection insurance is a form of long term cover when you lose your job and no longer have a salary. It assists you in making ends meet while you search for a new job. Redundancies, injuries or debilitating illnesses can come out of nowhere, causing you to no longer have an income. When you meet with such a circumstance, you'll still need to keep up payments and provide for your family.

When does my cover begin?

Cover begins once your application has been approved by the insurance company and your first premium due, has been paid.

Are the proceeds from an insurance policy taxable?

The proceeds from an insurance policy are not taxable because of their nature. The proceeds are of a capital nature and are therefore not taxable as income. All proceeds that are of a capital nature are subject to Capital Gains Tax. However, the proceeds from insurance are exempt from Capital Gains Tax.

Is there a waiting period when I cannot claim?

There is a 6 month claim waiting period on your policy and we will not pay out if your death is not as a result of an accident.

How long does it take my beneficiary to receive my money after I die?

Your beneficiary can receive payment within 48 hours of the claim. Promptness of payment is dependent on the correct documentation being supplied to us.

If you are totally and permanently disabled, you will need to contact us by emailing claims@vivalife.co.za or calling 086 100 VIVA(8482). We will request the relevant documents, to ensure the claim is assessed efficiently.

We require notification of your disability within 90 (ninety) days of it happening. If we are not informed within that time, the claim could be repudiated.

For your claim to be paid, we require:

• That your premiums are up to date; and
• Correct and completed claim documents

Disputed Claims

• The claimant has 90 (ninety) days from the date of the communication of our decision to question our decision on a claim.
• Should we repudiate the claim again and they wish to start a legal process or log a complaint with the Long-term Insurance Ombud, they will have an additional 180 days, after the 90-day period, to do so.

Premiums are payable in advance on the selected debit order date. Your premiums are subject to change, depending on the claims, expense and investment experience of Viva Life Insurance Limited.

Premiums will increase annually due to inflation

We will communicate any changes in premiums to you with a 31-day notice.

If you have any issues or questions about your cover, feel free to email us on support@vivalife.co.za or call us on 086 100 VIVA (8482) to get more information on the policy.

For complaints and compliance

We appreciate you as a client, so if at any point you are unhappy with our service or product, please contact us using the following:

Please	Then	Or
Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:	If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:	If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:
Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021	Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735	Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040
Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 681 3311	Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951	Call: 0860 324 766 Email: info@faisombud.co.za Fax: 012 348 3447

Please

Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:

Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021

Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 681 3311

Or

If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:

Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735

Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951

Then

If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:

Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040

Call: 0860 324 766 Email: info@faisombud.co.za Fax: +27 12 348 3447

• You must have a valid South African Identity Document.
• You must be over 18 years and not older than 60 years on your next birthday to be eligible for cover.
• Your premiums will be renewed and reviewed monthly.
• The policy will terminate once you reach the age of 65.
• There are no waiting periods in the event of accidental disability.
• There is a 6-month waiting period in the event of disability due to natural causes.
• We will only pay 50% of your claim amount if you are disabled due to natural causes after month 6 and before month 18.
• This product provides the cover amount in the case of you becoming permanently disabled, due to bodily illness or injury as defined below:
  • Both hands (from the wrist) = 100% of cover
  • One hand (from the wrist) = 50% of cover
  • Both feet (ankle and below) = 100% of cover
  • One foot (ankle and below) = 50% of cover
  • One hand and one foot = 100% of cover
  • Both legs (below the knee) = 100% of cover
  • One leg (below the knee) = 50% of cover
  • Both eyes = 100% of cover
  • Speech = 100% of cover
  • Hearing in both ears = 50% of cover
  • suffered from 3rd degree burns
    • Covering more than 20% of your body surface = 50% of cover
    • Covering more than 40% of your body surface = 100% of cover

How does Income Protection work?

If you become permanently disabled, Viva Life will pay the selected lump sum in line with the benefit limitations. The cover will cease:

• When you reach age 65 or
• should you pass away
• if 100% of the benefit is settled

Why should I buy Income Protection Cover?

Income Protection Cover is ideal for a long-term solution when it comes to protecting yourself against financial pressure in the event of disability. We tend not to confront the reality of disability and the dramatic effect it could have on ourselves and families. The best thing about using an independent provider as opposed to company perks is that your cover is not tied up with your current job, meaning you're cover is managed by you, not your employer.

When does my cover begin?

Cover begins once your application has been assessed and approved by Viva Life and your first due premium has been paid.

What happens if I miss a payment?

Should you miss a payment for any reason, we will collect a double debit order the following month for up to a maximum of 3 months. If your policy lapses and you would like to reinstate and resume payments, waiting periods would reapply.

Are the proceeds from an insurance policy taxable?

The proceeds from an insurance policy are not taxable because of their nature. The proceeds are of a capital nature and are therefore not taxable as income. All proceeds that are of a capital nature are subject to Capital Gains Tax. However, the proceeds from insurance are exempt from Capital Gains Tax.

Is there a waiting period when I cannot claim?

There is a 6 month waiting period (from Commencement Date) where claims cannot be made for payment. We will also only pay 50% of your claim amount if you are disabled after month 6 and before month 18. We will however honour your claim in the first 6 months if your disability was the result of an accident.

What is the difference between Disability Cover and Income Protection?

Disability cover is there so that you can make changes to your lifestyle and home while Income Protection is there to replace your income should you become disabled. Disability cover provides a once off lump sum payment, while Income Protection is a monthly payment in to your bank account.

Add a beneficiary to your policy so that we can pay directly to them. You can do this by calling our customer services team on 086 100 VIVA (8482) or via email to support@vivalife.co.za.

Claims must be reported to us by emailing claims@vivalife.co.za or calling 086 100 VIVA(8482). We will request the relevant documents, to ensure the claim is assessed efficiently.

We require notification of death within 90 (ninety) days of it happening. If we are not informed within that time, the claim could be repudiated.

For your claim to be paid we require:

• That your premiums are up to date
• Correct and completed claims documents.

Disputed claims

• The claimant has 90 (ninety) days from the date of the communication of our decision to question our decision on a claim.
• Should we repudiate the claim again and they wish to start a legal process or log a complaint with the Long-term Insurance Ombud, they will have an additional 180 days, after the 90-day period, to do so.

Premiums are payable in advance on the selected debit order date. Your premiums are subject to change, depending on the claims, expense and investment experience of Viva Life Insurance Limited.

Premiums will increase annually due to inflation

We will communicate any changes in premiums to you with a 31-day notice.

If you have any issues or questions about your cover, feel free to email us at support@vivalife.co.za or call us on 086 100 VIVA (8482) to get more information on the policy.

For complaints and compliance

We appreciate you as a client, so if at any point you are unhappy with our service or product, please contact us using the following:

Please	Then	Or
Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:	If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:	If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:
Viva Life Head Office Culross on Main, Building 3 34 Culross Road, Bryanston, 2191	Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735	Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040
Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 245 4931	Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951	Call: 0860 324 766 Email: info@faisombud.co.za Fax: 012 348 3447

Please

Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:

Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021

Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 245 4931

Or

If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:

Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735

Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951

Then

If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:

Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040

Call: 0860 324 766 Email: info@faisombud.co.za Fax: 012 348 3447

• You must have a valid South African Identity Document.
• You must be over 18 years and not older than 55 years of age on your next birthday to be eligible for cover.
• We will not pay out if your death or disability is a result of suicide or attempted suicide, deliberate involvement in an illegal act, riot, civil commotion, terrorist attack or war.
• Your premiums will be monthly reviewable and renewable.
• There is a 6 month claim waiting period on your policy during which we will not pay out if your death or disability is not as a result of an accident.

Why Should I buy Education cover?

Many individuals prefer to postpone the purchase of any insurance until such time as that they have dependents. It is important to ask yourself if anyone will suffer financially if you were to die or become disabled. It would be unwise to delay purchasing insurance.

How does it work?

The Viva Life Education Cover provides a yearly payment equal to the Cover Amount in the event that you pass away or become permanently disabled. In the event that the child beneficiary passes away, the product will provide the funeral cover amount of R2 500.

When does my cover begin?

Cover begins once your application has been approved by the insurance company and your first premium due, has been paid.

What happens if I miss a payment?

Should you miss a payment for any reason, we will collect a double debit order the following month for up to a maximum of 3 months. If your policy lapse and you would like to reinstate and resume payments, waiting periods would reapply.

Are the proceeds from an insurance policy taxable?

The proceeds from an insurance policy are not taxable because of their nature. The proceeds are of a capital nature and are therefore not taxable as income. All proceeds that are of a capital nature are subject to Capital Gains Tax. However, the proceeds from insurance are exempt from Capital Gains Tax.

Is there a waiting period when I cannot claim?

There is a 1-month deferred period in the event of disability.

How long does it take my beneficiary to receive my money after I die?

Your beneficiary can receive payment within 48 hours of the claim. Promptness of payment is dependent on the correct documentation being supplied to us.

You can add a beneficiary to your policy by calling our customer services team on 086 100 VIVA (8482) or via email to support@vivalife.co.za.

In the event of your death, your beneficiary will need to contact us by emailing claims@vivalife.co.za or calling 086 100 VIVA(8482). We will request the relevant documents, to ensure the claim is assessed efficiently.

We require notification of death within 90 (ninety) days of it happening. If we are not informed within that time, the claim could be repudiated.

For your claim to be paid we require:

• That your premiums are up to date
• Correct and completed claims documents.

Disputed claims

• We allow 90 (ninety) days from the date of the communication of our decision for your beneficiary or estate to question our decision on a claim.
• Should we repudiate the claim again and they wish to start a legal process or log a complaint with the Long-term Insurance Ombud, they will have an additional 180 days, after the 90-day period, to do so.

Premiums are payable in advance on the selected debit order date.

Your premiums are subject to change, depending on the claims, expense and investment experience of Viva Life Insurance Limited. Premiums will increase annually due to inflation.

We will communicate any changes in premiums to you with a 31-day notice.

If you have any issues or questions about your cover, feel free to call us on 086 100 VIVA (8482), or email us on support@vivalife.co.za to get more information on the policy.

For complaints and compliance

We appreciate you as a client, so if at any point you are unhappy with our service or product, please contact us using the following:

Please	Then	Or
Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:	If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:	If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:
Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021	Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735	Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040
Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 681 3311	Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951	Call: 0860 324 766 Email: info@faisombud.co.za Fax: 012 348 3447

Please

Give us a chance to resolve the matter. To ensure our focused attention, please contact us using the following details:

Viva Life Head Office Postnet Suite 33, Private Bag X75 Bryanston 2021

Call: 086 100 VIVA (8482) Email: complaints@vivalife.co.za Fax: 086 681 3311

Or

If complaints about our products don't get resolved, we are also accountable to the Long-Term Insurance Ombud. Their contact details are:

Ombudsman for Long-Term Insurance Private Bag X45 Claremont 7735

Call: 0860 103 236 Email: info@ombud.co.za Fax: 021 674 0951

Then

If complaints about our service are not resolved, we are accountable to the FAIS Ombud. Their contact details are as follows:

Office of the FAIS Ombud PO Box 74571 Lynnwood Ridge 0040

Call: 0860 324 766 Email: info@faisombud.co.za Fax: 012 348 3447

• You must have a valid South African Identity Document.
• You must be over 18 years and not older than 59 years of age on your next birthday to be eligible for cover.
• We will not pay out if your death or disability is as result of deliberate involvement in an illegal act, riot, civil commotion, terrorist attack, or war.
• Your premiums will be monthly renewable and reviewable.
• If death occurs by accident or any non-natural cause, the full Sum Assured will be paid. If death occurs as a result of natural causes:
  • Within the first 6 months, premiums paid will be returned.
  • After 6 month and before 18 months, 50% of the Sum Assured will be paid.
  • After 18 months, and if 18 premiums were received, the full Sum Assured will be payable.

Why Should I buy Simply Life Cover?

Many individuals prefer to postpone the purchase of any insurance until such a time that they have dependents. It is important to ask yourself if anyone will suffer financially if you were to die. It would be unwise to delay purchasing such insurance.

When does my cover begin?

Cover begins once your application has been approved by the insurance company and your first premium due, has been paid.

What happens if I miss a payment?

Should you miss a payment for any reason, we will collect a double debit order the following month for up to a maximum of 3 months. If your policy lapse and you would like to reinstate and resume payments, waiting periods would reapply.

Are the proceeds from an insurance policy taxable?

The proceeds from an insurance policy are not taxable because of their nature. The proceeds are of a capital nature and are therefore not taxable as income. All proceeds that are of a capital nature are subject to Capital Gains Tax. However, the proceeds from insurance are exempt from Capital Gains Tax.

Is there a waiting period when I cannot claim?

There are no waiting periods if your death is as a result of an accident. However there is a 6-month waiting period in the event of death due to natural causes. After 6 months and before 18 months, 50% of the sum assured will be paid. After 18 months, and if 18 premiums were received, the full sum assured will be payable.

How long does it take my beneficiary to receive my money after I die?

Your beneficiary can receive payment within 48 hours of the claim. Promptness of payment is dependent on the correct documentation being supplied to us.