Funeral Cover
Bank on being covered for the funeral. Get up to R100 000 Funeral Cover to protect up to 21 family members.
Funeral Cover
Every family’s needs are different – and so is the way we care for them. With our Funeral Cover, you can choose a cover amount or a monthly premium that works for yours. Use our app to calculate your premium based on the cover amount you need or choose a monthly premium that fits your budget.
Why choose our Funeral Cover?
Being covered means knowing your loved ones can focus on saying goodbye, not worrying about funeral costs. It's a powerful way to help take care of the people you love, even when you can't be there yourself.
That's why we've made our Funeral Cover simple, flexible and easy to manage:
- Apply easily on our app or at a branch
- Add up to 21 family members to your cover
- No automatic annual premium increases
- Claim at a branch, by email or on WhatsApp
Note: You’ll need to provide the birth dates of the family members you want to include in your Funeral Cover.
Benefits of our Funeral Cover
If you switch from another licensed insurer and your waiting period is over, we’ll waive your waiting period for natural death for the same cover amount as your previous policy, if you qualify for the same cover with us.
If a covered person dies in an accident, the funeral benefit is doubled from day one. For children, this is limited to the maximum legal insurance cover amounts.
Pause your policy for up to 6 months without paying monthly premiums. All funeral cover benefits will stop during this time. Restart your policy at any time within the 6 months. This benefit has a waiting period of 24 months. No documents are needed to apply.
The last thing you need to worry about is how to get your loved one back home for the funeral. Let us help you with the transportation of the deceased.
Maximum cover (you and up to 21 lives)
Cover yourself, two spouses, up to 5 parents, 10 children, and 8 extended blood reletives.
| Life assured categories | Maximum cover |
|---|---|
| Policyholder | R100 000 |
| Spouse (18 - 85 years) | R100 000 |
| Children (newborn - 5 years) | R20 000 each |
| Children (6 - 13 years) | R50 000 each |
| Children (14 years and older) | R50 000 each |
| Parents (26 - 85 years) | R50 000 each |
| Extended blood relative (0 - 5 years) | R20 000 each |
| Extended blood relative (6 - 85 years) | R50 000 each |
| Policyholder | ||
|---|---|---|
| Maximum cover | ||
| R100 000 | ||
| Spouse (18 - 85 years) | ||
| Maximum cover | ||
| R100 000 | ||
| Children (newborn - 5 years) | ||
| Maximum cover | ||
| R20 000 each | ||
| Children (6 - 13 years) | ||
| Maximum cover | ||
| R50 000 each | ||
| Children (14 years and older) | ||
| Maximum cover | ||
| R50 000 each | ||
| Parents (26 - 85 years) | ||
| Maximum cover | ||
| R50 000 each | ||
| Extended blood relative (0 - 5 years) | ||
| Maximum cover | ||
| R20 000 each | ||
| Extended blood relative (6 - 85 years) | ||
| Maximum cover | ||
| R50 000 each | ||
The law limits how much we can pay out for a child’s death. We must follow these limits for all our policies and any other insurers’ policies we know about. If the child cover on your policy hits these limits, we will only pay out the maximum allowed amount showed in the table.
Protect more than funeral costs
Funeral Cover helps your family manage immediate expenses. Life Cover can provide longer-term financial support when they need it most. Add Life Cover to help your loved ones with everyday living costs, outstanding debt, education expenses and future financial commitments. Give your family greater financial security.
FAQs
Our Funeral Cover helps pay for funeral expenses if you or another covered family member passes away. You can get up to R100 000 cover for yourself and your chosen family members.
Our Funeral Cover offers affordable, flexible cover that can be personalised to suit your budget. Your monthly premium depends on the cover amount you choose and the family members you add.
You can cover yourself and add up to 21 family members to your Funeral Cover, including:
- Up to 2 spouses
- Up to 5 parents
- Up to 10 children
- Up to 8 extended blood relatives
Yes. A 6-month waiting period applies to death from natural causes.
Yes, you can apply on our app in a few easy steps. Click here to get started.
When choosing funeral cover, compare the monthly premium, cover amount, who you can add, waiting periods, how claims work and whether premiums increase automatically. This helps you choose cover that suits your family’s needs and budget.
| What to compare | Why it matters | Our Funeral Cover |
|---|---|---|
| Monthly premium | Helps you assess the balance between cost and cover | Affordable, flexible cover that can be personalised to fit your budget |
| Cover amount | Shows how much could be paid out for funeral costs | Get up to R100 000 cover for yourself |
| Family cover | Helps you protect more people under one policy | Add up to 21 family members |
| Waiting period | Affects when cover starts | Waiting periods may be waived or reduced when switching |
| Claims process | Helps your family know how to claim when they need to | Claim at a branch, by email or on WhatsApp |
| Premium increases | Impacts long-term affordability | No automatic annual premium increases |
All funeral cover benefits are subject to terms and conditions, including limitations and exclusions as set out in the terms and conditions.
This product is underwritten by Capitec Life Limited (“Capitec Life”), a licensed life insurer and FSP (54090), Reg No.: 2021/924456/06.