Funeral cover

Get up to R100 000 funeral cover for yourself and add cover for up to 21 family members, so you only pay for one plan. Get it on our app from R25.


The Capitec Funeral Plan, is personalised according to your needs. You decide how much cover you need and we calculate your premiums. You can also choose a premium that fits your budget and we’ll calculate the cover – putting you in control of your money.

Ways to apply

Note: You will have to supply the birth dates of family members you want to add as lives assured.

You can download our app by choosing the relevant option below:


If you switch from a funeral plan with any other licensed insurer and that policy's waiting period is over, we'll waive your waiting period for natural death for the same persons covered and related cover amounts as your previous policy. There’s no waiting period in the event of an accidental death.

A licensed insurer is defined as a licensed insurance company recognised by the Financial Services Conduct Authority (FSCA) and listed on the FSCA website.

Edited to align to other elements (banking system and app), as this referred to the singular ‘life insured’.

From day one, the funeral benefit is doubled if a life assured dies due to an accident.

Note: For children, this is limited to the maximum cover amounts as prescribed by law.

Pause your plan for up to 6 months instead of it being cancelled. You won’t pay any monthly premiums and there will be no cover, but you can reactivate your cover and premium any time in the 6-month period. You will get the same full benefits of the plan. Voluntary policy pause has an initial waiting period of 24 months. You can apply for the benefit as many times as needed (subject to a further 24-month waiting period) over the term of your policy.

This benefit is our way of celebrating with you! You get full cover for up to 6 months without any monthly premium payments when you provide an unabridged birth certificate within 3 months of the birth or adoption.

The Newborn Premium Waiver has an initial waiting period of 6 months. You can apply for this benefit as many times as needed (subject to further 6-month waiting periods) over the term of the policy.

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.

This service covers the transport of mortal remains of a life assured from a place of death within South Africa, Namibia, Zimbabwe, Botswana, Swaziland, Lesotho and Mozambique to the funeral home of choice closest to the place of burial in South Africa. The place of death must be at least 50 kilometres from the place of burial

It also includes transportation arrangements and overnight accommodation for one family member accompanying the remains.

If the policyholder dies 6 months after policy inception, the remaining persons covered on the funeral plan will continue to receive full cover for a further 6 months from the date of the policyholder's death without any monthly premium payments, giving them time to reorganise their financial lives. The death premium waiver is activated automatically upon the registration of the policyholder's death.

Maximum cover (you and up to 21 lives)

Life Assured CategoriesMaximum Cover
PolicyholderR100 000
Spouse (18 - 64 years)R100 000
Children (14 years and older)R60 000 each*
Children (6 - 13 years)R50 000 each*
Children (newborn - 5 years)R20 000 each*
Parents (26 - 85 years)R50 000 each*
Extended family (0 - 85 years)R50 000 each*
Maximum Cover
R100 000
Spouse (18 - 64 years)
Maximum Cover
R100 000
Children (14 years and older)
Maximum Cover
R60 000 each*
Children (6 - 13 years)
Maximum Cover
R50 000 each*
Children (newborn - 5 years)
Maximum Cover
R20 000 each*
Parents (26 - 85 years)
Maximum Cover
R50 000 each*
Extended family (0 - 85 years)
Maximum Cover
R50 000 each*

*Legal maximum child cover: The total amount that can be paid out for a child’s death is restricted by legislation. We must apply those limits across all our policies, those of other insurers that we become aware of and across all benefit types. For example, if the child cover on the policy reaches the maximum amounts above, we will restrict the amount that we pay out to the maximum allowable amount as shown in the table.

Funeral cover plan

All Capitec Funeral Plan benefits are subject to terms and conditions, including limitations and exclusions as set out on in the terms and conditions.

Underwritten by Centriq Life, an authorised financial services provider (FSP 7370) (Reg. no.: 1943/016409/06).