Funeral Cover should be simple. That's why we made our FAQs even simpler.

Protecting what matters shouldn't be a puzzle. We've stripped away the jargon and complex terms to give you straightforward answers.

Whether you're curious about coverage, claims, or costs, our updated guide provides the clarity you deserve to make confident choices, faster.

Find Your Answers

FAQS

What is Funeral Cover?

Funeral cover is a simple insurance policy that provides a quick cash payout to help your family cover funeral costs and related expenses when you or a loved one passes away.

Key benefits:

Covers funeral expenses like services, transport, and groceries.
Pays out a lump sum (usually within 24 to 48 hours after a valid claim).
Affordable monthly premiums.
You can cover yourself, your spouse, children, parents, and extended family.
Helps ease financial pressure during a difficult time.
Offers dignity and peace of mind for you and your loved ones.

What is the difference between Funeral Cover and Life Cover?

While both provide financial support to your family when you pass away, funeral cover is designed to pay for immediate, short-term burial expenses, whereas life cover is meant to secure your family’s long-term financial future.

Key differences:

Purpose: Funeral cover pays for the burial, transport, and immediate arrangements. Life cover is meant to replace your income, pay off large debts (like a house or car), and cover long-term living expenses or school fees.
Payout speed: Funeral cover is designed for speed, usually paying out within 24 to 48 hours. Life insurance payouts involve a longer legal process and can take weeks or months.
Medical exams: Funeral cover is generally guaranteed acceptance and rarely requires medical tests. Life cover usually requires a full medical history and sometimes blood tests.
Cover amount: Funeral policies offer smaller lump sums suited for immediate costs, while life cover offers much larger amounts to sustain a family for years.

Can I get Funeral Cover for my parents?

Yes, you can get funeral cover for your parents. You can read our latest article on what to know when getting funeral cover for your parents here.

Is there a waiting period before I can claim?

Yes, most funeral policies have a standard waiting period depending on the cause of death to protect the fund.

Key details:

Natural death: Usually requires a standard waiting period (often 6 months) before a claim can be made.
Suicide: Typically has a 12 to 24-month waiting period.
Accidental death: Generally covered immediately after your first premium is paid.

Who can I add to my funeral policy?

You can easily tailor your policy to protect your entire family under one single plan.

Who you can cover:

Yourself (the main member).
Your spouse or partner.
Your dependent children (usually up to age 21, or older if they are full-time students).
Your parents and parents-in-law.
Extended family members (like siblings, aunts, or uncles, often for a small additional fee).

What documents do I need to submit a claim?

The claims process is designed to be as simple, fast, and stress-free as possible during a difficult time.

Required documents:

A fully completed claim form.
A certified copy of the official death certificate.
A certified copy of the deceased’s ID.
A certified copy of the beneficiary’s ID.
Proof of bank details for the cash payout.

What happens if I miss a monthly premium payment?

We understand that financial times can get tough, so policies include a built-in safety net to help you catch up.

What you need to know:

Grace period: You typically get a 15 to 30-day grace period to pay a missed premium without losing your cover.
Policy lapse: If premiums remain unpaid after the grace period ends, the policy will lapse, meaning you are no longer covered.
Reinstatement: You can often restart a lapsed policy later, but you may need to go through the standard waiting periods again.

Does a funeral policy cover accidental death immediately?

Yes, accidental death is treated differently than passing away from an illness or natural causes.

How it works:

Immediate cover: You are fully covered for accidental death (such as a car accident) the moment your first premium is successfully paid.
No waiting periods: The standard 6-month natural death waiting period does not apply to sudden accidents.
Full payout: Your family will receive the full agreed-upon lump sum to handle immediate arrangements.