Funerals are a big part of South African life. They are a time to honour and remember someone who has passed away. But funerals can also be very expensive. Many families struggle to pay for funeral costs, especially if the person who died was the one who earned money for the family.
That’s why funeral cover is so important.
What Is Funeral Cover?
Funeral cover is a type of insurance. It gives money to your family when you or someone on your policy dies. This money helps to pay for the funeral and other related costs.
The payout from funeral cover usually happens quickly — often within 1 to 2 days — so your family can use the money right away.
What Does Funeral Cover Pay For?
Funeral cover helps to pay for:
- Transport of the body
- A coffin or casket
- Burial or cremation fees
- Food and drinks for guests
- Venue or tent hire
- Traditional clothing or items
- Headstone or tombstone
- Death certificate and paperwork
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Some funeral policies also include extra benefits, like:
- A small grocery or airtime voucher
- Transport to return the body home
- Help with organising the funeral
- Accidental death cover
- Free counselling or legal help
Who Can Be Covered?
You can take funeral cover just for yourself, or for your whole family. Most plans allow you to add:
- Your husband or wife
- Your children
- Your parents
- Sometimes even siblings or in-laws
This helps you protect your whole family with one policy.
How Much Does It Cost?
Funeral cover is usually affordable. The amount you pay every month is called a premium. Your premium depends on:
- How many people are covered
- How much money your family will get when someone dies
- The age of the people covered
You can choose a small cover for basic funerals or a bigger one for more traditional or special ceremonies.
What to Look For in a Funeral Policy
When choosing funeral cover, make sure to:
- Choose a trusted company with good service
- Read the terms and conditions (ask for help if needed)
- Make sure your family knows about the policy and how to claim
- Keep a copy of the policy and ID documents in a safe place
A Gift of Peace
Funeral cover is not just about money. It is a way to protect your family during a sad and stressful time. It helps them to give you or a loved one a proper and respectful funeral, without worrying about the cost.
By paying a small amount each month, you give your family peace of mind – and that is one of the greatest gifts you can give.
Get affordable dignity for your family with Funeral Cover from Mdalisu. Find out more