Is my boyfriend/girlfriend/fiancé covered?

Only if they are deemed to be your spouse for the purpose of the policy. A spouse of the policyholder is someone who is:

  1. legally married to the policyholder, or
  2. able to prove, to the satisfaction of the insurer, that for at least six consecutive months, he or she has been the partner of the policyholder in a serious relationship akin to a monogamous marriage between 2 persons, or
  3. in a union recognised in terms of the Recognition of Customary Marriages Act.

Do I have to go through a medical examination before I am eligible for a funeral policy?


Will my family remain covered after my death?


How long does funeral cover last?

The policy will automatically terminate when the policyholder dies, or the policyholder fails to pay the premiums. Cover for insured children terminate when they die, reach the age of 21 years (or 26 years if a full time student) or if they are no longer nominated by the policyholder to be covered. Cover for the insured spouse will terminate when he or she dies or is no longer nominated by the policyholder to be covered.

What happens if I miss a premium or payment?

Failure to pay premiums in full will result in the policy being terminated and no benefits being paid. There is a grace period of 1 month to repay a missed premium.

Can I re-instate my policy if it has lapsed?

The policy will be suspended as soon as a premium, or any part thereof is not paid on the due date. Should the full missed premium not be paid within a calendar month of its due date then the insurer may terminate the policy from the date that the missed premium was due. The policy will be reinstated on receipt of the full missed premium within the calendar month period, or on any other terms and conditions determined by the insurer in its sole discretion.

Are there any exclusions?

No benefit will be payable by the insurer in the event, directly or indirectly, is caused by, arises or results from, is contributed to by, or is traceable to: war, invasion, act of foreign enemy, hostilities (whether declared or not), civil war, mutiny, insurrection, rebellion, revolution, military or usurped power, participation in labour disturbances, riots, demonstrations, strikes or lock-outs, acting in the course and scope of employment in military, naval, air or police services of any country or international authority, Wilful exposure to danger (except in an attempt to save a human life), intentional self-inflicted injury, or suicide or attempted suicide within the first 2 years following the commencement of the policy, engaging in aviation, other than as a fare paying passenger in a fixed wing aircraft, provided and operated by an airline or air charter company, which is duly licensed for the regular transportation of fare paying passengers, the influence of alcohol or an injury or illness sustained when the blood alcohol content of any insured person exceeded the level permitted by the road traffic laws of the country where the hospital confinement and/or bodily injury took place, or the intentional inhalation of fumes, or the influence of drugs or narcotics, unless administered by a registered member of the health profession or unless prescribed by and taken in accordance with the instructions of a registered member of the health profession, and not for the treatment of drug addiction, any involvement in any criminal activity as a willing participant, hazardous activities such as, but not limited to, racing, bungee jumping and extreme sports, or exposure to radioactivity, atomic energy, nuclear reaction, terrorism, nuclear or biological or chemical hazards and warfare agents.

Who receives the cover amount in the event of death of the Covered Person?

If no nomination is received by the insurer prior to the death of the policyholder, or the beneficiary nomination is invalid due to the nominated beneficiary not surviving the policyholder, or the nomination not being in the prescribed format, then the benefit will be payable to a court appointed beneficiary.

Can I cancel my policy?

Each party may cancel the policy by giving at least 31 days prior written notice to the other party. The policy will terminate on the last day of the calendar month and no pro-rata premiums will be refunded.

Can changes be made to my policy?

If a spouse, child or extended family member is added to the policy as an insured person, no benefits will be paid in respect of death of the newly added spouse or child due to natural causes for the first 6 months after the new insured person is added.

What happens if I want to remove an Insured Person from my policy?

Please contact our call centre on 011 680 1338 for assistance with removing a dependant from the policy. After a person is removed, they will no longer be covered. The claim must be lodged with the insurer within three months following the date of death, otherwise the claim will not be considered by the insurer and no benefits will be paid.

You can log a claim through the following channels:

The claim process can be onerous. The insurer typically requires: A certified copy of the death certificate; A certified copy of the police report if it is an accidental death; A certified copy of the deceased’s ID; A certified copy of a BI-1663/BI-1680 or DHA-1663/DHA-1680 form (forms completed by the doctor on death); A certified copy of the claimant’s ID; and A a certified copy of a bank statement from the claimant.

When will the cover start?

The policy and cover will commence on the day that the insurer has accepted the policyholder’s application, and provided the insurer has received the premium. Cover in respect of an accidental death is immediately applicable after the commencement of the policy but cover for a natural death only after the 6 month waiting period.

Can someone with an illness or medical condition be covered under the funeral policy?

Yes. No medical examinations are required.