Family Funeral Cover takes care of the burial expenses in the event that you, your spouse, children or parents pass away. A lump sum will be paid out for all burial-related expenses to relieve this burden from family members. Some policies have a six-month waiting period, which means that if a family member passes away within six months from the start date of the policy, they’ll only be covered for an accidental death.
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Funeral Cover generally pays out upon proof of death of a family member. You need to report the death in order to receive an official death certificate. Your Funeral Cover company will then provide you with documents to complete in order to submit the claim. Once the documents have been completed, submitted and approved, you will be paid out within 24 to 48 hours. This ensures that you have the funds to cover the financial obligations that arise during this time.
If you are unsure which cover is the right one for you and your family, then your next step is to do research. Compare quotes on Hippo.co.za to see what different companies can offer you and find the best Funeral Cover policy for your family.
Please note: not all partners on Hippo currently offer Family Funeral Cover. This article is for informational purposes only and should not be considered financial, medical, or legal advice.
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Clear answers to help you understand Family Funeral Cover and how it supports your loved ones during a difficult time.
Family Funeral Cover is a type of funeral policy that pays out a lump sum if you, your spouse, children or parents pass away. The payout is designed to help cover burial and funeral-related expenses so that your family doesn’t have to carry the full financial burden while they are grieving.
A Family Funeral Cover policy usually allows you to cover yourself, your partner or spouse, your children and, in many cases, your parents or other nominated family members. Each person you add to the policy is listed as a life assured, and the benefit amount for each can be selected according to your needs and budget.
To claim, the death must be reported and an official death certificate obtained. The insurer will then provide claim forms and a checklist of supporting documents (such as the ID and policy details). Once all documents are submitted and the claim is approved, many providers pay out within 24–48 hours so that funeral costs can be covered quickly.
Funerals in South Africa can be very expensive, especially when cultural expectations include catering, transport, tents, flowers and extended family gatherings. Without funeral cover, these costs can easily run into tens of thousands of rands and place extra pressure on the family at an already emotional time. Family Funeral Cover helps ensure these expenses can be managed without going into debt.
The lump sum from a Family Funeral Cover policy can be used for a range of funeral-related costs, such as the undertaker’s fees, burial or cremation, the coffin, venue hire, catering, transport, flowers and other arrangements. Some policies also offer value-added benefits like airtime, groceries or repatriation services, depending on the provider.
Most Family Funeral Cover policies include a waiting period for death due to natural causes, typically between six and twelve months from the start date of the policy. During this period, accidental death is usually covered, but natural causes are not. It’s important to check the exact waiting period and exclusions with your chosen provider before you buy.
No. Comparing Family Funeral Cover quotes on Hippo.co.za is obligation-free. After you choose a quote to learn more, a consultant from that provider will contact you to explain the details and help you set up cover if you decide to go ahead. You are not locked into a policy until you formally accept the terms.
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Essential information, tools, and insights to help you understand and compare Funeral Cover options for your family.
Funeral Cover for Parents: Learn how to add your parents to your funeral policy and ensure their funeral expenses are financially covered.
Funeral Cover for Over 80's: Discover cover options for people aged 80+, including simplified underwriting and no medical tests.
Funeral Cover for Extended Family: Understand how to cover extended family members and avoid unexpected funeral costs during difficult times.
Funeral Arrangements Checklist: A practical step-by-step guide on what to do and who to contact when arranging a funeral for a loved one.
Funeral Cover With No Waiting Period: Learn how to get immediate accidental death cover and what waiting periods apply for natural causes.
Family Funeral Cover: Find out how to protect your spouse, children and parents with one policy that pays out quickly and reliably.
