Funeral Policy Quotes in South Africa
A funeral policy is a monthly premium insurance contract that pays out a lump sum when an insured person dies. In South Africa, funeral policies are the most widely held insurance products — and for good reason. The average funeral costs between R15 000 and R50 000, and without a policy in place that burden falls on the family immediately.
Funeral policies differ from life insurance in one important way: they pay out quickly, typically within 24–48 hours of a valid claim. Life insurance provides long-term financial support; a funeral policy provides fast cash for the immediate costs of the burial and ceremony.
Funeral Policy for Parents
One of the most common reasons South Africans take out a funeral policy is to cover aging parents. Extended family funeral policies allow you to add parents and parents-in-law aged up to 85, with premiums from R22 per month. See our dedicated funeral cover for parents page for full details.
Types of Funeral Policy
- Individual funeral policy — covers the main member only
- Family funeral policy — covers member, partner and children
- Extended family funeral policy — adds parents, in-laws and other relatives
Funeral Cover Plans & Premiums
Single Cover
| Cover | Monthly |
|---|---|
| R10 000 | R70 |
| R20 000 | R95 |
| R30 000 | R120 |
Family Cover (member + partner + children)
| Cover per adult | Monthly |
|---|---|
| R10 000 adults / R5 000 children | R80 |
| R20 000 adults / R10 000 children | R115 |
| R30 000 adults / R15 000 children | R150 |
Extended Family Cover (parents, in-laws, siblings)
| Age | Cover options | From |
|---|---|---|
| 0–65 | R3 000–R15 000 | R22/month |
| 66–75 | R2 000–R10 000 | R36/month |
| 76–85 | R2 000–R10 000 | R50/month |
Value-Added Benefits (all plans)
- Emergency Medical Services
- Trauma & Assault Assistance
- HIV Prevention Cover
- Legal Assist
- Repatriation of remains within South Africa
- Discounted Food Vouchers
Browse Funeral Policies by Provider
Funeral Cover Guides
» Funeral Cover for Pensioners
» Extended Family Funeral Cover
Funeral Cover Providers
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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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