Capitec Funeral Cover

Capitec Funeral Cover is one plan that you tailor to your family. The policyholder must take at least R5 000 for themselves, and cover for other people is set by their age:

• You and your spouse: up to R100 000 each.
• Children: R20 000 from newborn to age 5, R50 000 from 6 to 13 and R60 000 from 14 up.
• Parents (26 to 85): R50 000 each.
• Extended family: R20 000 for ages 0 to 5 and R50 000 for ages 6 to 85.

Capitec Life Limited is the insurer. Capitec's earlier arrangement with Sanlam ended on 31 October 2024. The table below shows entry ages and the benefits.

• Capitec Funeral Cover is underwritten by Capitec Life Limited (FSP 54090), not Sanlam. (capitecbank.co.za (archived copy))
• The Sanlam funeral cooperation arrangement with Capitec was terminated, effective 31 October 2024. (iol.co.za)
• A valid funeral claim can be lodged at a branch, by email, on WhatsApp (067 418 9565) or through the 24hr Client Care Centre (0860 10 20 43). (capitecbank.co.za (archived copy))
• Capitec says death claims are paid within 24 hours if all required documents are provided. (capitecbank.co.za (archived copy))
• Cover can include the policyholder plus up to 21 family members (up to 8 children, 4 parents, more as extended family); the policyholder must have at least R5 000 cover. (capitecbank.co.za (archived copy))
• Funeral support service arranges transport of the deceased from SA, Namibia, Zimbabwe, Botswana, Eswatini/Swaziland, Lesotho or Mozambique to a funeral home in South Africa, at no extra cost, including one night's accommodation for one relative. (capitecbank.co.za (archived copy))
• If you switch from another insurer, Capitec removes its waiting period where you have already served it (previous policy active within 31 days). (capitecbank.co.za (archived copy))

Plans as Capitec describes them on its own website on 30 September 2026. Premiums depend on your age, the cover amount and who you add, so the published figures are examples, not quotes.

Extra benefits Capitec lists:

• Capitec Funeral Cover: Doubled benefit on accidental death from day one; voluntary policy pause up to 6 months; newborn premium waiver (6 months); death premium waiver (other lives covered 6 months without premiums); funeral support services (transport of the deceased within SA, Namibia, Zimbabwe, Botswana, Swaziland, Lesotho, Mozambique, and one night's accommodation for one relative); no automatic annual premium increase.

Sources: capitecbank.co.za (archived copy).

Checked on 30 September 2026 against Capitec's official website (some details from an archived copy of it, because the live site could not be read from our checks). Numbers change, so confirm on the linked page before you call. Capitec will never ask you to pay a claim fee or send money to a new bank account; if a caller does, hang up and phone the official number.

Sources: capitecbank.co.za (archived copy), capitecbank.co.za (archived copy), capitecbank.co.za (archived copy).

Capitec lists a doubled benefit on accidental death from day one and a funeral support service. The service arranges transport of the deceased from South Africa, Namibia, Zimbabwe, Botswana, Eswatini, Lesotho or Mozambique to a funeral home in South Africa at no extra cost, including one night's accommodation for one relative. You can reach it on 0860 77 75 54.

Other benefits include a voluntary policy pause of up to 6 months, a newborn premium waiver for 6 months and a death premium waiver, where the other covered people stay covered for 6 months without premiums. Capitec also says there is no automatic annual premium increase. Note that there is no cover while a policy is paused.

Capitec's 2024 policy agreement gives a 6-month waiting period for natural death for the policyholder. Its live page does not print the length, so confirm it in the app or at a branch. Accidental death has no waiting period, and the benefit is doubled from day one.

If you switch from another insurer, Capitec removes its waiting period where you have already served it, provided your previous policy was active within 31 days. Keep your old policy schedule to show them.

The law also says a funeral policy may not impose a waiting period longer than six months for natural death, and none may apply to accidental death. You may cancel a new policy within 31 days of receiving the policy information, if no benefit has been paid or claimed.

Lodge the claim at a branch, by email, on WhatsApp (067 418 9565) or through the 24-hour Client Care Centre on 0860 10 20 43. Capitec's pages give two claims email addresses, [email protected] and [email protected], so confirm which is current before you send anything. Capitec asks for:

• A valid ID of the person logging the claim.
• A valid ID of the beneficiary and their banking details.
• The death certificate.
• The DHA 1663 form (notification of death or stillbirth) or the DHA 1680 form (Death Report).
• Any other documents needed to assess the claim.

For an accidental death, add a police report with the cause of death.

Capitec says death claims are paid within 24 hours if all required documents are provided. If a claim is approved, it is paid immediately into a Capitec account, and payouts to other banks may take longer to reflect.

ASISA, the industry body, says the main reasons funeral claims are declined are waiting periods, fraud and unpaid premiums. Ask Capitec for the reason in writing and check it against your policy.

An insurer may not turn down a funeral claim for non-disclosure of information it did not specifically ask for before the policy started. If you disagree, take it to the National Financial Ombud Scheme. The service is free. You can lodge a complaint at nfosa.co.za/submit-a-complaint/, call 0860 800 900, or email [email protected]. Trying Capitec first is sensible, but it is not a legal requirement. The Ombud can dismiss a complaint after three or more years.

Capitec suits people who already bank with Capitec and want to manage cover in the app, and families who want to insure up to 21 people on one policy. It also suits people who value a doubled accidental death benefit from day one.

It suits you less if the policyholder is older than 64, because the 2024 policy agreement gives the policyholder's entry age as 18 to 64. Compare a written quote with other providers on our compare funeral cover page.