Dependants are:
Either an Adult or Child who is dependent upon the Policyholder for access to the benefits available
within
this policy.
Adult: A person over the age of 21 (twenty-one), except for a full-time student over the age of 21
(twenty-one) who is dependent on the Policyholder and approved by Us as eligible for membership of this
policy.
Child: A Child is a person under the age of 21 (twenty-one), who is considered to be the Immediate
Family
of the Policyholder eligible for membership in terms of this policy. Cover as a Child can be extended to
the
age of 27 (twenty-seven) if they are full-time students. Documented proof of full-time studies is
required
annually.
Immediate Family: The Immediate Family is a defined group of relations, whether over or under the age
of
21
(twenty-one) and determines which members of a Policyholder's family may join this policy.
The definition extends to those connected to the Policyholder in the following manner:
- By birth, adoption, stepchildren or grandchildren or any other child who has been placed in the
custody
of the Policyholder and in respect of whom the Policyholder is liable for care and support.
- Parents/stepparents, grandparents in respect of whom the Policyholder is liable for care and
support.
- Siblings, including half-siblings in respect of whom the Policyholder is liable for care and
support.
- A Spouse of a Policyholder as defined in this policy.
- Any other relative, who at the Insurers discretion, qualifies for membership under this policy.
Spouse: A person who is a significant other, partner or non-marital partner of the principal member:
- In a marriage or customary union recognised in terms of the laws of the Republic; or
- In a union recognised as a marriage in accordance with the tenets of any religion; or
- In a same sex or heterosexual union which the Underwriter is satisfied is intended to be permanent.
Option one is only selected.
Please refer to the terms and conditions in Policy Wording.