Policyholder Protection Rules > Policyholder Protection Rules (Short-Term Insurance), 2017

1.	Repeal and saving provision

1.1	The Policyholder Protection Rules published under Government Notice R. 1128 in Government Gazette 26853 of 30 September 2004 and amended by Government Notice 1213 in Government Gazette 33881 of 17 December 2010 are hereby repealed.

1.2	Despite the repeal referred to in section 1.1, the following rules of the previous Policyholder Protection Rules referred to in section 1.1 continue to apply to all new and existing policies, products, services and arrangements as follows:

(a)	for a period of 12 months from 1 January 2018, Rule 4, Part III: Basic Rules for Direct Marketers; and

(b)	for a period of 24 months from 1 January 2018, Rule 7.3, Part V: Unilateral termination of policies.

[Chapter 8, rule 1.2(a) and (b) substituted by rule 10(a) of Notice No. 996, GG 41928, dated 28 September 2018];

2.	Short title and commencement

2.1	These rules are called the Policyholder Protection Rules (Short-term Insurance), 2017.

2.2	These rules will come into operation as follows—

Chapter	Rule	Commencement
Chapter 1 : Interpretation		1 January 2018
Chapter 2 : Fair treatment of policyholders	Rule 1.1 to 1.4	1 January 2018
	Rule 1.5 to 1.9	1 January 2019
	Rule 1.10	1 January 2018
Chapter 3 : Products	Rule 2	1 January 2018
	Rule 2A	1 October 2018
	Rule 3	1 January 2018
	Rule 4	1 January 2019
	Rule 5	1 January 2018
	Rule 6.1	1 January 2018
	Rule 6.2 to 6.4	1 July 2018
	Rule 6.5	1 January 2018
	Rule 7	1 January 2018
	Rule 8	1 January 2018
	Rule 9	1 January 2018
Chapter 4 : Advertising and Disclosure	Rule 10	1 July 2018
	Rule 11 except for 11.5.1(j), 11.5.2 to 11.5.4	1 January 2019
	Rule 11.5.1(j) and 11.5.2	1 July 2019
	Rule 11.5.3 and 11.5.4	1 October 2018
Chapter 5 : Intermediation and distribution	Rule 12.1 to 12.3 except for 12.2.1 and 12.2.2 insofar as they relate to existing intermediary agreements	1 January 2018
	Rule 12.2.1 and 12.2.2 insofar as they relate to existing intermediary agreements	1 January 2019
	Rule 12.4	1 January 2019
Chapter 6 : Product performance and acceptable service	Rule 13	1 January 2020
	Rule 14	1 July 2018
	Rule 15	1 January 2018
	Rule 16	1 January 2019
Chapter 7 : No unreasonable post-sale barriers	Rule 17, except insofar as it relates to group schemes	1 January 2019
	Rule 17, insofar as it relates to group schemes	1 July 2019
	Rule 18, except insofar as it relates to group schemes	1 January 2019
	Rule 18, insofar as it relates to group schemes	1 July 2019
	Rule 19	1 January 2020
Chapter 8 : Administration		1 January 2018

[Chapter 8, rule 2.2, substituted by rule 10(b) of Notice No. 996, GG 41928, dated 28 September 2018];

Short-Term Insurance Act, 1998 (Act No. 53 of 1998)