Terms And Conditions
Ba-Ga Moeketsi Funeral Catering & Décor Policy Agreement
Membership and Coverage:
Membership is open to all ages.
•A signed policy agreement between Ba-Ga Moeketsi Funeral Catering & Décor and the client outlines the terms and conditions. Clients are responsible for reading and understanding these terms.
•All policies have waiting periods:
•6 months for natural and accidental deaths.
•12 months for suicide-related deaths.
Claims Process:
To file a claim, clients must provide:
•A death certificate for the deceased.
•A copy of the deceased's ID that shows their name, date of birth, and ID number matches those on the policy.
•Failure to provide these documents will result in a denied claim.
•Clients who are behind on payments for 3 months or more will lose coverage. Late payments within the previous 2 months will result in deductions from the claim amount.
Client Responsibilities:
•Clients are responsible for making monthly premium payments on time.
•Clients must keep their contact information up to date.
Adding and Removing Members:
New members added to a policy will have a 6-month waiting period before coverage begins.
Cancellation and Refunds:
Canceling the policy will result in a complete forfeiture of all premiums paid, regardless of prior claims.
Claim Processing Time:
•Upon receiving all required documents, claims will be processed within 48 hours.
Beneficiaries:
•All policyholders should designate a beneficiary on their policy.
•Only the main member and their beneficiaries are eligible to file claims.
Policy Updates:
•Ba-Ga Moeketsi Funeral Catering & Décor reserves the right to revise premiums, conditions, and benefits periodically to ensure continued quality service to our clients.
Payment Deadlines:
•To ensure your coverage remains uninterrupted, please adhere to the following monthly premium payment deadlines: Payments are typically made on the 30th or 31st of the month: Due by the 7th of the following month.
•For payments typically made on the 15th of the month: Due by the 21st of the month.
•For payments typically made on the 25th of the month: Due by the 30th of the month.
•Any payments received after the designated deadlines will result in that month being considered unpaid.
Coverage Areas:
•Ba-Ga Moeketsi Funeral Catering & Décor currently offers services to clients residing within Gauteng province.
•Limited coverage is available in select locations within Mpumalanga, Limpopo, and North West provinces. Please inquire for details on availability in these areas.
Resuming Payments After Lapse:
•Clients who fall behind on their monthly premiums for 3 months and wish to reinstate their policy will face an additional 3-month waiting period before coverage resumes. (Effective Date: November 29, 2022)
Coverage Radius and Transportation Fees:
•Effective July 1, 2023, Ba-Ga Moeketsi Funeral Catering & Décor offers coverage within a 300 km radius throughout all 9 provinces of South Africa.
•For funerals exceeding this radius, additional transportation fees will be applied based on the specific location. Please contact us for a quote. (Effective Date: June 20, 2023)