Funeral Cover for extended family helps to pay the costs for a family member and relieve the financial burden on your family without the need for multiple policies.
It provides the same kind of cover by paying a lump sum upon official proof of death, so you can make sure your loved one receives the dignity and respect deserved during this time.
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After you submit the correct documentation and it is approved by the Funeral Cover provider, money will be paid out to your beneficiaries within 48 hours. Once they've received the money, they have full control over how to spend it on the funeral and related expenses.
Different policies offer various levels of cover to suit people's individual needs and budget. You need to check if this type of cover will be available before you sign up for a policy, as some providers don't offer this option.
Most companies allow you to downgrade your plan, so if your budget does become smaller, this can be an option. And if you can't downgrade, you can cancel the policy and take out a new one after comparing.
Most Funeral Cover policies provide cover for an existing policyholder after the age of 65, but won't charge premiums any longer. If you have family members who are reaching retirement age or are dependent on you, and who haven't ever signed up for Funeral Cover, you can add them to yours.
This extends to spouses and children (sometimes age limits also apply here), as well as parents, parents-in-law and domestic workers. However, if these extended family members are over 80 years of age, you'd have to disclose this and discuss their addition to your policy with your insurance provider as most elderly family members receive cover until the age of 75.
If you had to be buried, would your family have enough disposable money to pay for your funeral? Would the same be true for you if one of your loved ones passed away? If your answer to one or both questions was no, it's advisable to do your research and find a policy that best suits your family's needs.
Please note: Not all partners on Hippo.co.za currently offer Funeral Cover for Extended Family, and that the information in this article is provided for informational purposes only and should not be construed as financial, legal, or medical advice.
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Clear answers to help you understand Funeral Cover for Parents and how it can support your family during a difficult time.
Did you know that South Africa has, on average, some of the highest funeral costs in the world? Depending on your family traditions or cultural customs, the cost could pile up into tens of thousands of rands — especially when you include the undertaker's fee, cost of the burial plot, and more. That's a lot of money to pay out of pocket, especially when you have a parent who wasn't able to afford their own Funeral Cover.
Funeral Cover pays out a lump sum when you (aka the policyholder) pass away. But you can also go with a family plan (sometimes called 'extended cover') which means you can add your parents to the same policy, ensuring their funeral expenses would be taken care of, too.
Different plans are available depending on what premiums you can afford, how much cover you would need, and which benefits you'd like to have. Different brands provide different plans, whether you're taking out a new policy on behalf of your parents or adding them to your existing policy.
The lump sum that's paid out upon their death can cover funeral costs, medical bills or anything else related to organising your parents' send-off.
When it comes to this type of insurance, age matters. And it's best to take out a policy either for yourself (before 65) or for your elderly parents (preferably before they turn 75).
From an insurer's point of view, an older person is likely to pass away sooner than a younger one, after paying monthly premiums for just a short time. But while it's difficult to find Funeral Cover for 80-year-olds due to their higher risk, there are policies available for this age group.
Life Insurance could be an alternative if you're able to prove insurable interest — meaning you need to show that you'd suffer financial loss if they passed away.
A funeral policy helps you cover funeral and burial costs by giving you a lump-sum payout when the named beneficiary dies. These payouts are typically processed faster than those for other types of insurance, like Life Insurance, removing financial stress during a period of grieving.
These payouts can be used for airtime, flowers, catering, tent hire and more — expenses that families often pay out of pocket, which can lead to debt if not covered.
The best way to make sure you're getting enough cover is to do your research and compare Funeral Cover plans online with Hippo.co.za.
Please note, not all of the partners on Hippo currently offer Funeral Cover for Parents, and that the information in this article is provided for informational purposes only and should not be construed as financial, legal, or medical advice.
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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.
