Funeral Cover

From only R25 per month, you can cover yourself, your spouse, 8 children, 4 parents and 8 extended family members with a funeral cover policy worth R100,000 ⁠— Funeral cover plans include transportation, after tears, catering, and much more.

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Cover up to 21 Dependants with an All-in-one Funeral Plan

With an affordable funeral cover policy, you can rest assured that financial provision is made for a dignified burial, should you or one of your family members pass away.

Get the best funeral cover quotes from these reputable providers.

Frequently Asked Questions

Ease the financial strain that comes with losing a loved one

With funeral costs ranging anywhere from R20,000 to R100,000 having funeral cover is an important part of any financial plan. With a variety of insurers, FSPs, and retailers offering funeral plans, they’ve become extremely affordable and flexible – so there’s no reason not to have one in place.

What is a Funeral policy?

It is a long-term insurance policy that pays out a lump sum benefit after the death of the policyholder or any assured life.

Policies also offer additional and optional benefits which can include everything from repatriation, policy extensions for family members, grocery, airtime, and transport benefits.

How does Funeral cover work?

For a monthly premium you and your family members receive cover as per an amount selected by you and, if you, or any family member you add to the policy, pass away the insurer will pay out the set amount.

This payout can be used to cover the costs of a funeral or cremation which include funeral home expenses, transport, a casket or coffin, flowers, catering, and administrative fees.

What does my policy include?

At the most basic level, the cover includes a set payout amount (up to R100,000) and covers the cost of repatriation of a deceased but many policies also include additional grocery, transport, airtime, and memorial benefits.

What are the benefits?

Benefits of funeral cover include a lump sum payout (capped at R100,000), cover for the cost of repatriation of a deceased, cash instalments for a period of up to 6 months, and grocery, transport, airtime, and memorial benefits.

Some policies offer optional add-ons which include accident and disability benefits as well as administrative, legal, and funeral support services.

Why do I need a Funeral plan?

It offers you and your loved one peace of mind that should tragedy strike, you can afford a dignified funeral.

While you do not need to have funeral insurance, it will take away a major financial burden that inevitably comes with being financially responsible for yourself and your family.

Is a Funeral policy necessary?

A funeral policy is an important part of any solid financial plan and is especially important for individuals who are the sole breadwinner in their families.

It’s important to ask yourself whether your family would be able to afford to lay you to rest. During the difficult and painful time brought on by the passing of a loved one, nothing could be worse than not having the money to arrange a funeral.

How many plans can I have?

You can have more than one policy for yourself or a family member as there is no specific law that prohibits this. That said, this does not necessarily mean that an insurer will allow you to buy a second policy from them or that you will receive full payment from both.

This is because many insurers have rules that prohibit them from selling funeral policies to those who already have cover elsewhere and many of those who do not prohibit it outright specify that a claim will only be accepted up to a combined total of, for instance, R100,000 across the two policies.

This is why it’s best to rather purchase a plan that offers you a higher cover amount and more benefits rather than two that offer you lower amounts. In addition, having to make two separate claims from two insurers will undoubtedly become stressful and time-consuming.

Can I get cover for my parents?

Funeral plans generally allow you to add up to 21 extended family members which include cover for your parents and parents-in-law but this may be subject to certain age restrictions depending on the insurer.

Whom can I add to my plan?

You can add your spouse and children as immediate family members as well as extended family members who include your parents, parents-in-law, grandparents, aunts, uncles, and cousins.

Some insurers also allow you to include your domestic workers in your funeral plan.

What is the maximum cover amount?

The maximum amount in South Africa is set by the Insurance Act 18 of 2017 and is currently R100,000 for an adult policyholder and their spouse.

Do I qualify for a Funeral cover?

As long as you are a South African citizen or permanent resident and are below the age of 64 you can qualify for most of the plans on the market.

Having said that, specialist lenders such as Martin’s Funerals offer packages to people between the age of 65 and 84 as well as those over the age of 85 at a higher than average premium.

How much is a Funeral policy in SA?

Funeral policies can cost anything between R10 for a payout of R2,500 and R200 per month for the more comprehensive plans that payout up to R100,000 in the event that the main member or their spouse dies.

The higher the payout and the more extra benefits a plan has the higher the premiums will be. In addition, the more immediate and extended family you add, the more your premiums will increase.

What is the most cost-effective plan?

The most affordable plans are those offered by network providers like Vodacom and Telkom, as well as retailers such as Shoprite and Ackermans. DSTV also offers a discount plan to their customers.

Remember that the cheaper your monthly premiums, the lower your payout will be and the fewer benefits you’re going to receive. In addition, the more family members you add to your policy the more your premium will increase.

Which plan is the best?

The best funeral policies are those which offer larger payout amounts and also let you select which add-ons you want but still have affordable premiums.

That said, each policy has its own range of benefits, and what works for one person may not work for another. Some basic policies that cover only the policyholder offer only a small payout of R5,000 while others offer up to R100,000 for both the policyholder and their spouse.

How to claim on a  Funeral policy

You must complete a funeral claim form and provide a certified copy of the deceased’s identity document, a completed Notice for Death form, and a Death Certificate.

The policyholder or beneficiary must contact the insurer by telephone or visit the insurer’s website to confirm the claims process and confirm if any additional documents will be required.

How long does it take for payout?

Funeral policies are great because they pay out in anywhere between 4 and 48 hours – so you and your family can have the money you need to arrange a funeral as quickly as possible.

What happens to my policy after I die?

If the policyholder passes away and a successful claim has been made, the policy will terminate unless the policy allows for all remaining insured lives to be covered for a defined period of time.

This is usually 6 months and is a benefit that allows the rest of your family to retain their funeral cover without having to make any premium payments.

List of Funeral Cover providers

  1. Assupol Funeral Cover

    Assupol

    • Funeral cover from R70p/m
    • Get an online quote
    • Quick claims process
  2. MiWay Funeral Cover

    MiWay

    • R100 000 funeral cover
    • Low premiums
    • Easy online application
  3. AVBOB Funeral Cover

    AVBOB

    • Family funeral cover
    • Quick online application
    • Affordable premiums
  4. Liberty Funeral Cover

    Liberty

    • Elite funeral cover
    • Affordable premiums
    • Get an online quote
  5. Hollard Funeral Cover

    Hollard

    • R75 000 funeral cover
    • Cash back on premiums
    • Affordable premiums
  6. 1Life Funeral Cover

    1Life

    • Funeral cover up to R50 000
    • Fixed premiums
    • Hassle free claims
  7. Capitec Funeral Cover Funeral Cover

    Capitec Funeral...

    • Funeral cover up to R60 000
    • 6 months waiting period
    • Easy online application
  8. Icebolethu Funeral Cover

    Icebolethu

    • Easy to apply funeral cover
    • Affordable premiums
    • 10% cash back
  9. FNB Funeral cover Funeral Cover

    FNB Funeral cov...

    • Affordable funeral cover
    • No medical examination
    • Easy online application
  10. Doves Funeral Cover

    Doves

    • Custom-made funeral cover
    • Affordable premiums
    • Easy online application
  11. Metropolitan Funeral Cover Funeral Cover

    Metropolitan Fu...

    • Funeral cover discounts
    • Quick online application
    • No medical examination
  12. Two Mountains Funeral Cover

    Two Mountains

    • Reliable funeral cover
    • Affordable premiums
    • Quick application process
  13. 21ST Century Funeral Cover

    21ST Century

    • Affordable funeral cover
    • Easy online application
    • Quick online quote
  14. Nedbank Funeral Cover

    Nedbank

    • Low cost funeral plan
    • Bonusses every year
    • No medical tests
  15. Shoprite Funeral Cover Funeral Cover

    Shoprite Funera...

    • Quick funeral cover
    • No waiting period
    • No medical tests
  16. Simply Funeral Cover

    Simply

    • Simplified funeral cover
    • 100% online process
    • No medical exam
  17. Stangen Funeral Cover

    Stangen

    • Life cover up to R10 million
    • No waiting period
    • No medical exam
  18. Discovery Funeral Cover

    Discovery

    • Save on funeral cover
    • Affordable premiums
    • Easy online application
  19. Vodacom Funeral Cover Funeral Cover

    Vodacom Funeral...

    • Life cover up to R1 million
    • Low monthly premiums
    • Quick claims payout
  20. Momentum Funeral Cover

    Momentum

    • Flexible funeral cover
    • Best monthly premiums
    • Easy online application
  21. Ackermans Funeral Cover Funeral Cover

    Ackermans Funer...

    • Effortless funeral cover
    • Affordable premiums
    • No medical examinations
  22. Dstv Funeral Cover Funeral Cover

    Dstv Funeral Co...

    • Affordable funeral cover
    • No hidden costs
    • Short waiting period
  23. African Bank Funeral Cover

    African Bank

    • Funeral cover for all
    • Easy online application
    • No medical examinations
  24. Martins Funerals Funeral Cover

    Martins Funeral...

    • No hidden costs
    • Affordable premiums
    • Variety of plans to choose from
  25. Telkom Funeral Cover Funeral Cover

    Telkom Funeral ...

    • Online funeral cover
    • Instant cover
    • Easy claim process
  26. Freedom Life Funeral Cover

    Freedom Life

    • Efficient funeral cover
    • Affordable premiums
    • Quick and easy online application