Funeral Insurance in South Africa
Funeral insurance — also called funeral cover or a funeral plan — is a policy that pays out a tax-free lump sum when an insured person dies. The money is used to cover the costs of the funeral, including the coffin, burial or cremation, catering, transport, and other expenses. Funerals in South Africa typically cost between R15 000 and R50 000, and without insurance, this burden falls on the family at an already difficult time.
Funeral insurance is one of the most widely held financial products in South Africa. It pays out quickly — typically within 24–48 hours of a valid claim — which is important because most funerals are arranged within three to seven days of a death.
Types of Funeral Insurance Plans
- Single cover — protects the main member only, from R70/month
- Family cover — includes partner and children, from R80/month
- Extended family cover — adds parents, in-laws and other relatives, from R22/month per additional member
Funeral Cover Plans & Premiums
The following cover options are available for qualifying South Africans:
Single Cover
| Cover Amount | Monthly Premium |
|---|---|
| R10 000 | R70 |
| R20 000 | R95 |
| R30 000 | R120 |
Family Cover
Covers main member (18–65), partner (18–65), and children.
| Cover per member | Monthly Premium |
|---|---|
| R10 000 main & partner / R5 000 children | R80 |
| R20 000 main & partner / R10 000 children | R115 |
| R30 000 main & partner / R15 000 children | R150 |
Extended Family Cover
Add parents, in-laws and other family members aged 0–85.
| Age group | Cover options | Monthly from |
|---|---|---|
| Adult 0–65 | R3 000 – R15 000 | R22 |
| Adult 66–75 | R2 000 – R10 000 | R36 |
| Adult 76–85 | R2 000 – R10 000 | R50 |
Value-Added Benefits
- Emergency Medical Services
- Trauma & Assault Assistance
- HIV Prevention Cover
- Legal Assist
- Repatriation of remains
- Discounted Food Vouchers
See also: Compare funeral cover plans | Funeral cover for parents | Cheap cover for extended family
Funeral Cover Guides
Funeral Policies
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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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