Funeral cover terms and conditions

Funeral cover policies in South Africa mostly have similar terms and conditions. This is because the funeral policies are quite similar in how a person’s funeral may be insured. With this, you will be able to have a look at the most basic terms and conditions and make a decision on which funeral policy to get. Also remember that the biggest difference with funeral policies is how much you will pay, or your premiums, for your funeral cover.

  • A waiting period of six months for the insured person. This applies to death by natural causes
  • Immediate cover for accidental death. Other benefits may include a double payout if it occurs to the main member
  • No medical checks. Most, if not all, funeral policy companies and funeral insurance providers won’t ask you to take a medical examination
  • Family members may be covered for extra premiums. Family members may be covered with the main member’s funeral cover, and extra premiums are levied against the main member
  • Funeral policies may be cancelled within 30 days. This applies to most funeral insurance companies who are trusted providers. Others that you may not cancel within 30 days are mostly unscrupulous. Some charges may apply
  • Documents to fill provide when making a claim:
    • Insured person’s death certificate
    • A certified copy of the insured person’s ID/birth certificate
    • A certified copy of the claimant’s identity document
    • claim form
    • proof of banking details
  • Only a natural person may be paid out for a funeral cover claim. So, a payout may not be towards a company

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