Commuter Cover Terms and Conditions

Terms in addition to: https://stangenlife.co.za/terms/

Premium Guarantee Period

Unfortunately we cannot be certain about the future. But what we can do is guarantee that your premiums will not increase for the first 5 years from the cover commencement date. We will notify you of any changes in advance and we will work hard to make sure this is an unlikely event.

When can I claim

Commuter Cover will pay out if you die or are disabled as result of a commuting-related accident as a non-professional driver, passenger or pedestrian.

The pay-outs include:

  Silver Gold Platinum
  • Commuter Accidental Death Cover of
R100 R200 R500
  • Commuter Accidental Disability Cover of
    • Full pay-out (100%)
    • Half pay-out (50%)
  • (see Commuting-related Accident Definitions)
R100 R200 R500
  • Commuter Accidental Funeral Cover of
R20 R20 R50
  • Commuter Accident related ICU admission of  (per admission)
R5 R10 R25
    • Intensive Care Unit Admission is limited to two admissions and a maximum of (per annum)
R5 R10 R25

The amounts shown above are standalone, meaning that you can claim on multiple Commuter Cover benefits and this benefit does not expire on first claim event.

When does this benefit expire

All Commuter Cover continues until the age of 89. For each benefit, once 100% of the cover amount has been paid out the benefit in question terminates. The Intensive Care Unit benefit also terminates after two admissions to an Intensive Care Unit  have been paid for.

Commuting-related Accident Definitions

Commuting-related accidents refers to accidents involving cars, buses, mini-bus taxis, motorcycle, bikes / cycling and train commuting. Travel on an aircraft excluded.

  • Commuter Accidental Death and Funeral Cover

A commuting-related accident resulting in death which occurs independently of any other causes and within thirty (30) days of such trauma, proved to the satisfaction of Stangen in its discretion.

  • Commuter Accidental ICU Admission Cover

A commuting-related accident resulting in an admission to an Intensive Care Unit in a Hospital which occurs independently of any other causes and proved to the satisfaction of Stangen, in its discretion.

A hospital, for the purposes of this policy, is defined as a health establishment classified as a hospital by the Minister of Health in terms of section 35 of the National Health Act, 61 of 2003.

  • Commuter Accidental Disability Cover

A commuting-related accident resulting in disability which occurs independently of any other causes and proved to the satisfaction of Stangen, in its discretion. Payment will be made once permanence has been established. Death must not occur within thirty (30) days of disability event.

Commuter Accidental Disability Cover pay-out will depend on the severity of the disability as defined below:

    • Full pay-out (100%)
      • Major Head trauma resulting in the permanent inability to complete 3 basic activities of daily living (see Section Activities Definition below) or 6 advanced activities of daily living (see Section Activities Definition below). The diagnosis must be confirmed by a neurologist. A functional capacity evaluation by an independent occupational therapist may be requested to confirm impairment.
      • Total loss of or loss of use of:
        • both hands, both feed
        • a hand and a foot
        • a hand and opposite upper or any lower limb* or
        • a foot and opposite lower or any upper limb*.
      • Half pay-out (50%)
        • Total loss of or loss of use of:
        • one hand, one foot
        • one limb (upper or lower)*.

* Upper limb is defined as appendage above the wrist and lower limb is defined as appendage above the ankle.

When can I not claim

  • Any cause other than a commuting-related accident as defined herein.
  • Commuter Accidental Disability claims will not be payable if the claim is in any way due to or traceable to, or arises directly or indirectly, entirely or partially from the driving of any vehicle, driven by you where the concentration of alcohol in any specimen of blood taken from any part of your body exceeds the statutory limit in force at such time or a whilst under a drug having a narcotic effect. Claims where life assured was a passenger will be valid.
  • Wilful exposure to danger (e.g. train-surfing).

Activities of daily living

  • Basic activities of Daily Living
    • Bathing – the ability to wash/bathe oneself independently
    • Transferring – the ability to move oneself from a bed to a chair or from a bed to a toilet independently
    • Dressing – the ability to take off and put on one’s clothes independently
    • Eating – the ability to feed oneself independently. This does not include the making of food
    • Toileting – the ability to use a toilet and cleanse oneself thereafter, independently
    • Locomotion on a level surface – the ability to walk on a flat surface, independently
    • Locomotion on an incline – the ability to walk up a gentle slope, or a flight of steps independently
  • Advanced activities of Daily Living
    • Driving a car – the ability to open a car door, change gears or use a steering wheel
    • Medical care: the ability to prepare and take the correct medication
    • Money management – the ability to do one’s own banking and to make rational financial decisions
    • Communicative activities: – the ability to communicate either verbally or written
    • Shopping: – the ability to choose and lift groceries from shelves as well as carry them in bags
    • Food preparation – the ability to prepare food for cooking as well as using kitchen utensils
    • Housework – the ability to clean a house or iron clothing
    • Community ambulation with or without assistive device, but not requiring a mobility device – the ability to walk around in public places using only a walking stick if necessary
    • Moderate activities:-activities like moving a table, pushing a vacuum cleaner, bowling, golf
    • Vigorous activities: – able to partake in running, heavy lifting, sports

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