Funeral Cover for Pensioners in South Africa
Pensioners and senior citizens in South Africa can still get affordable funeral cover, even well into their seventies and eighties. Whether you are buying cover for yourself or arranging it for an elderly parent, plans are available for adults aged up to 85 — with premiums starting from R36 per month for adults aged 66–75.
A common concern is that older South Africans will be turned away by insurers or face unaffordable premiums. The extended family cover plans available through WithGrace are specifically structured to include older age groups, with fixed premiums and defined cover amounts that don't diminish as the insured person ages.
Pensioner Funeral Cover — Premium Table
| Age Group | Cover Options | Monthly Premium |
|---|---|---|
| Up to age 65 | R3 000 – R15 000 | From R22 |
| Age 66–75 | R2 000 – R10 000 | From R36 |
| Age 76–85 | R2 000 – R10 000 | From R50 |
Value-Added Benefits Included
- Emergency Medical Services
- Trauma & Assault Assistance
- Legal Assist
- Repatriation of remains
- HIV Prevention Cover
- Discounted Food Vouchers
Can I Get Funeral Cover Over 75?
Yes. Adults aged 76–85 can be covered for between R2 000 and R10 000, with premiums from R50 per month. This is particularly important for families where an elderly parent or grandparent does not have their own funeral plan in place. See our dedicated funeral cover over 75 page for full details.
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With Grace is a funeral cover and policy provider that gives South Africans information about a range of funeral related insurance products. We work with only the best funeral policy companies in South Africa to ensure you get the best plan and service. READ MORE
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