Funeral cover in South Africa

Close to 17 million funeral policies were in force with ASISA's member insurers in mid-2025, sold by insurers, banks, retailers, cellphone networks and funeral parlours. That choice is hard to navigate. These guides compare the major providers, explain waiting periods and payouts, and help you pick cover that actually pays your family when it matters.

Provider reviews

AVBOB Funeral Cover

AVBOB funeral cover checked 30 September 2026: Cashback plan, pensioner scheme, waiting periods, claim documents, free funeral benefit and claims number.

Capitec Funeral Cover

Capitec funeral cover checked 30 September 2026: underwritten by Capitec Life Limited, cover up to R100 000, entry ages, waiting periods and claims number.

Sanlam Funeral Cover

Sanlam funeral cover checked 30 September 2026: the Digital Funeral Plan and adviser plan, entry ages, cover limits, claim documents and claims number.

Old Mutual Funeral Cover

Old Mutual funeral cover checked 30 September 2026: EasiPlus, Care Plus and Comprehensive+ plans, entry ages, waiting periods, claim documents and numbers.

Assupol Funeral Cover

Assupol funeral cover checked 30 September 2026: four plans from R35 a month, cover up to R100 000, waiting periods, pensioner plan and claims number.

Standard Bank Funeral Cover

Standard Bank Flexible Funeral Plan checked 30 September 2026: cover up to R100 000 per adult, entry ages, waiting periods, cashback and claims number.

FNB Funeral Cover

FNB funeral cover explained: who it covers, entry ages, waiting periods, how to claim and the claims number, checked 30 September 2026.

Clientele Funeral Cover

Clientèle funeral cover checked 30 September 2026: Funeral Dignity and Ultimate Dignity plans, published prices, waiting periods, claim documents and numbers.

Hollard Funeral Cover

Hollard funeral cover checked 30 September 2026: Direct Funeral Cover and Funeral Online, entry ages, waiting periods, claim documents and claims number.

Metropolitan Funeral Cover

Metropolitan funeral cover checked 30 September 2026: Funeral Plan and No-Lapse plan, cover up to R100 000, add-ons, claim documents and claims number.

Absa Funeral Cover

Absa funeral cover explained: the Flexi and Eyenu Nonke plans, entry ages, waiting periods, claim documents and claims numbers, checked 30 September 2026.

Icebolethu Funeral Cover

Icebolethu funeral cover explained: the Care and Dignity service plans, premiums from R125pm, entry ages, how to claim and the 24-hour line.

1Life Funeral Cover

1Life funeral cover checked 30 September 2026: up to R50 000 per family member, waiting periods, family limits, claim documents and claims number.

Nedbank Funeral Cover

Nedbank MyCover Funeral explained: the three options, published premiums, waiting periods, claim documents and the claims number, checked 30 September 2026.

Two Mountains Funeral Cover

Two Mountains funeral cover explained: the five burial plans from R99pm, what each covers, waiting periods, how to claim and the claims number.

OUTsurance Funeral Cover

OUTsurance funeral cover explained: R30 000 to R100 000 cover, entry age, waiting period, the 3 month claim deadline and claims numbers.

Pep Funeral Cover

Pep funeral cover is the Abacus Funeral Plan: R15 000 to R35 000 cover, R60 to R150 a month, joining age 18 to 64, no pensioner plan, and how to claim.

Doves Funeral Cover

Doves funeral cover explained: the plans and sums assured, waiting periods, the claims number 087 550 1974, documents needed and how fast Doves pays.

Discovery Funeral Cover

Discovery funeral cover explained: the Essential, Classic and Classic Max plans, published premiums, the 15% discount, CashBack and how to claim.

Shoprite Funeral Cover

Shoprite funeral cover is OUTsurance funeral insurance sold at Shoprite, Checkers and Usave counters: cover, price from R2 a day, claims and what to check.

Safrican Funeral Cover

Safrican funeral cover explained: cover levels up to R100,000, the R80 minimum premium, group schemes for stokvels, claims number 011 778 8000 and documents.

Momentum Funeral Cover: What You Need to Know

Momentum sells no standalone funeral plan on its personal site. See the Metropolitan Funeral Plan from the same group and how to claim a benefit.

African Bank Funeral Cover

African Bank funeral cover explained: cover up to R100 000, who you can add, the 6 month waiting period, claim documents and the claims number.

Liberty Funeral Cover

Liberty funeral cover explained: the Funeral Plus Plan from R40 a month, cover up to R100 000, the 6-month waiting period, entry ages and how to claim.

Affinity Funeral Cover

Affinity funeral cover explained: four cover levels from R10 000 to R50 000, premiums from R101 a month, entry to age 75, waiting periods and how to claim.

DStv Funeral Cover

DStv funeral cover explained: family cover of R5 000 to R50 000 from R29 a month, the 6-month waiting period, who can join and how to claim on 011 369 4000.

FinChoice Funeral Cover

FinChoice funeral cover explained: up to R100 000 per person from R49 a month, up to 19 family members, waiting periods, premiums back and how to claim.

Freedom Life Funeral Cover: Who Runs It Now

Freedom Life is a legacy funeral brand. Since 16 May 2022 MyMeerkat administers existing policies. Here is how to claim, what stays the same and new cover.

Hippo Funeral Cover: What Hippo Is and Is Not

Hippo is a funeral cover comparison service, not an insurer. See the 10 insurers on its panel, what its "from R42" figure means and where claims go.

RFA Funeral Cover (RFA Funeral Services)

RFA Funeral Services explained: four covers from R10,000, base premiums from R60 a month, entry to age 84, waiting periods, branches and how to claim.

Vodacom Funeral Cover

Vodacom funeral cover explained: up to R50,000 from R64 a month, waiting periods, the 4 You weekly plan, the claims number 082 178 00 and documents.

By life stage

Best Funeral Cover for Parents

Which funeral plans accept your parents, up to what age, at what cover amount and with what waiting period. Published terms, checked on 30 September 2026.

Funeral Cover for Parents

How funeral cover for a parent works in South Africa: who can take it out, entry ages, waiting periods, the documents to claim and what to do first.

Funeral Cover for Over 65

Funeral cover for over 65 in South Africa: which plans take older entrants, published premiums by age, waiting periods and other ways to be covered.

Funeral Cover for Over 80

Funeral cover for over 80 in South Africa: plans that accept entrants to 84 or 85, one with no age limit, premiums, waiting periods and other options.

Funeral Cover for Pensioners

Funeral cover for pensioners in South Africa: plans for older people, the oldest age to join, published premiums, waiting periods and how to add a parent.

Funeral Cover for Extended Family

Funeral cover for extended family in South Africa: who insurers let you add, age limits, cover per person, waiting periods and plans that leave relatives out.

Choosing cover

Best Funeral Cover in South Africa

There is no single best funeral cover in South Africa. Compare published cover, premiums and waiting periods, and check the rules that protect you.

Funeral Cover Rules in South Africa (2026)

Funeral cover rules in South Africa: cover limits, waiting periods, grace period, cooling-off, claim decisions, checking a seller and what is changing.

Funeral Cover With No Waiting Period

What funeral cover with no waiting period means in South Africa: the six-month legal limit, accident cover, switching insurers and where to be careful.

Compare Funeral Cover

How to compare funeral cover in South Africa fairly: same lives and cover amount, waiting periods, age limits, claim terms and who really carries the risk.

Life Insurance With Funeral Cover

Life insurance versus funeral cover in South Africa: how they differ, the R100 000 limit, claim speed, benefits inside life policies and when you need both.

Money & claims

Funeral Claim Declined: What You Can Do

Funeral policy claim rejected? See why claims are declined, the rules that protect you and how to complain to the National Financial Ombud for free.

What Is a Funeral Policy?

What a funeral policy is in South Africa, how it pays out, the legal limits on cover and waiting periods, and the rights you have as a policyholder.

Funeral cover claims and contact numbers in South Africa

Claims and new-policy numbers for 28 South African funeral cover providers and 17 parlours, each checked on the official website on 30 September 2026.

Cash Back Funeral Cover

How cash back funeral cover works in South Africa: what Assupol, AVBOB, Discovery, Metropolitan, Sanlam and others pay back, and how to judge it.

How Funeral Cover Payouts Work

How funeral cover payouts work in South Africa: the claim steps, documents insurers ask for, the timing each publishes, and what to do if a claim is declined.

Funeral Cover Scams and Your Rights

How to check a funeral cover seller in South Africa, the red flags, what the FSCA has done about unlicensed parlours, and how to use the Ombud.

GEPF funeral benefit: how much it pays and how to claim

The GEPF funeral benefit pays R20 000 for a member, pensioner or spouse and R8 000 per eligible child for deaths from 1 April 2024. Documents and timing.

Funeral Cover Calculator

A worksheet to work out how much funeral cover you need in South Africa, using real municipal tariffs, insurer cost estimates and what other benefits may pay.

Funeral Policy vs Burial Society

Funeral policy versus burial society in South Africa: how each works, what the FSCA says about societies, the risks, and questions to ask before you join one.