Family Cover for the Over-80s
Before you compare quotes, here’s what you need to know about Funeral Cover for people over 80.
Before you compare quotes, here’s what you need to know about Funeral Cover for people over 80.
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While it may be difficult to find Funeral Cover once you're at the age of 80 due to the higher risk of death, there are policies available for this age group.
It may seem unfair that elderly people are less likely to receive Funeral Cover due to their age, but from an insurer's point of view, an older person is likely to pass away sooner than a younger person. This means that the older person could claim for benefits even though they've only been paying monthly premiums for a short amount of time.
Without sufficient cover, family members would have to pay for all your funeral arrangements, which they might not be able to do without getting into debt. There's no better time than the present to ensure that your funeral arrangements are fully taken care of in the event of your passing.
The best way to do this is to do your research and compare Funeral Cover plans online to find the right deal for you, especially if you are over 80 and need a policy that fits your budget. Please note that not all of Hippo's partners currently offer Funeral Cover for senior citizens.
If you're a senior citizen or looking to cover an elderly family member, the rules around Funeral Cover can change based on age. Here is what you need to know:
If you're a senior citizen but haven't taken out a policy before, you might need some support from your family. This is because most Funeral Cover policies provide cover after an existing policyholder reaches the age of 65, but will no longer charge premiums. That is why the cut-off age to compare Funeral Cover quotes on Hippo.co.za is 64 years of age.
This is where your family comes into play, as some Funeral Cover plans allow for policyholders to not only cover their spouse and children (sometimes age limits apply here, too), but to also include parents, parents-in-law and domestic workers.
So, if these extended family members are over 80 years of age, you'd have to disclose this and discuss adding them to your policy with your insurance provider or compare to find an insurer that allows for the inclusion of extended family members.
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Clear answers to help you understand how Funeral Cover works for senior citizens over the age of 80.
While it may be difficult to find Funeral Cover once you're at the age of 80 due to the higher risk of death, there are policies available for this age group.
From an insurer's point of view, an older person is more likely to pass away sooner, which means they could claim benefits after paying premiums for only a short time.
Without sufficient cover, family members would need to pay for funeral arrangements themselves, which can lead to debt. Taking steps now can help ensure your funeral costs are fully taken care of.
If you're a senior citizen and haven’t taken out a policy before, you may need support from family members.
Most Funeral Cover policies continue providing cover after an existing policyholder reaches age 65, but stop charging premiums. This is why the cut-off age to compare Funeral Cover quotes on Hippo.co.za is 64.
Some Funeral Cover plans allow policyholders to cover extended family members such as parents, parents-in-law and domestic workers.
If these family members are over 80, this must be disclosed and discussed with the insurer to determine whether they can be added to the policy.
Age plays a major role in Funeral Cover eligibility. Ideally, policies should be taken out before age 65, or for elderly family members before age 75.
If Funeral Cover is not available, Life Insurance could be an alternative if you can prove insurable interest — meaning you would experience financial loss if the person passed away.
Not all partners on Hippo currently offer Funeral Cover for people over 80. The information provided here is for informational purposes only and should not be considered financial, legal or medical advice.
Get multiple Funeral Cover quotes and compare benefits for senior citizens.
Find a policy that fits your needs, even if you are over 80 years old.
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.
