Life Cover Claims

Submitting a life cover claim? Use our easy guide to find out how.

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Submitting a claim is easy and we'll help you every step of the way. You can submit a claim using any of these options: 

Documents needed

Natural death claims

  • Original or certified copy of:
    • The valid identity document of the person logging the claim (the claimant)
    • The valid identity document of the beneficiary, as well as their banking details (bank name, bank account number and branch code if the beneficiary is not a Capitec accountholder)
    • The death certificate
    • Either of the following forms, fully completed:
      • BI-1663/DHA – 1663 form: This is a notification of death or stillbirth completed by the department of Home Affairs
      • BI-1680/DHA 1680 form: This is a Death Report issued by the police or other parties authorised by the department of Home Affairs after a death has been registered
      • Any other documents or reports which we need to assess the validity of the claim 

Accidental (Unnatural) death claims 

All the documents listed under Natural death claims and a police report with the details of the cause of death

When we will and won’t pay

We’ll pay your beneficiaries the cover amount(s) you allocated to payout options when you die unless:

  • You die of natural causes within 6 months, or suicide within 24 months of taking out the policy;
  • Your death is a result of unlawful or criminal acts; active participation in war, invasion, acts of foreign enemies, hostilities, illegal strikes, warlike operations, civil war, rebellion, revolution, insurrection, civil commotion;
  • You didn’t provide certain information to us, or you provided false information;
  • The Policy has ended;
  • You have committed fraud;