Vodacom Funeral Cover

Vodacom Funeral Cover is underwritten by Vodacom Life Assurance Company (RF) Limited, a licensed life insurer. Smollan Financial Services administers it.

The plans on this page are the main plan, the weekly Vodacom Funeral Cover 4 You plan that is billed to your Vodacom recharge account, and funeral cover bundled with selected 24-month Vodacom contracts. Vodacom may have other funeral variants with their own terms, so read the terms for the exact product you were given.

To apply for the main plan you must be a South African citizen with a green barcoded ID book or a smart card ID.

• Vodacom Funeral Cover is underwritten by Vodacom Life Assurance Company (RF) Limited, a licensed life insurer, and administered by Smollan Financial Services (FSP 46482). (vodacom.co.za)
• Maximum cover on the main plan is R50 000 per adult; entry age for owner, spouse and extended family is 18 to 74. (vodacom.co.za)
• Waiting periods on the main plan: 6 months natural death, 12 months suicide, none for accidental death; waiting periods already served with another FSCA registered insurer can be waived with proof of cover and cancellation within 31 days. (vodacom.co.za)
• Claims are started by phone or email, must be reported within 180 days, and Vodacom's product page promises payment within 24 hours of receiving all documents (the T&Cs say usually within 48 hours). (vodacom.co.za)
• Premium and cover escalate by 5% every policy anniversary (you may opt out once, and cannot opt back in); a December premium holiday applies if January to November premiums were all paid. (vodacom.co.za)
• Cooling-off period is 30 days; a lapsed policy can be reinstated within 60 days but there is no cover between lapse and the first successful premium after reinstatement. (vodacom.co.za)
• Optional Funeral Support Package: R3,000 grocery voucher and R300 airtime plus 24/7 funeral planning and trauma counselling, and body repatriation anywhere in South Africa, both optional extras 'from R10 per month'. (vodacom.co.za)

Plans as Vodacom 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 Vodacom lists:

• VodaSure Funeral Cover (main plan; also sold as 'Vodacom Funeral Cover'): Optional extras from R10 per month: body repatriation, Funeral Support Package (R3,000 grocery voucher, R300 airtime, assistance with government forms, 24/7 funeral planning, trauma counselling); VodaPay Data Rewards up to 1GB discounted data a month; 30% discount for applying online, 40% discount via VodaPay app. Up to 6 children at no extra cost. 5% annual escalation. December premium holiday if Jan to Nov all paid.
• Terms of the main plan (cover limits by age): Repatriation within South Africa, Lesotho, Swaziland, Zimbabwe, Namibia and Mozambique (owner, spouse and 5 children); R300 airtime; R3000 grocery benefit; up to R1500 overnight accommodation for next-of-kin to identify the body; waiting periods already served with FSCA registered insurers waived with proof of previous cover and cancellation within 31 days.
• Vodacom Funeral Cover 4 You / 4 You and Your Family (weekly, airtime-billed): Weekly premiums deducted from Vodacom Recharge account; 15-day grace period.

Sources: vodacom.co.za/...ices/insurance/funeral-cover, vodacom.co.za/.../terms/vodacom-funeral-cover, vodacom.co.za/.../vodacom-funeral-cover-4-you, vodacom.co.za/vodacom/help/funeral-cover.

Your cover, and the cover for a spouse, parents and extended family, cannot exceed R50 000. The owner, spouse and extended family join at 18 to 74. Children are covered at a share of your cover:

Children are covered to 21 if they are full-time tertiary students, and up to 6 children are covered at no extra cost.

Vodacom says cover starts from R64 a month, and a customer story on its site cites cover for 3 dependents for R99 a month. Your own premium depends on your cover and who you add, so get a quote.

The main plan lists these benefits: repatriation within South Africa, Lesotho, Swaziland, Zimbabwe, Namibia and Mozambique for the owner, spouse and 5 children; a R300 airtime benefit; a R3000 grocery benefit; and up to R1500 of overnight accommodation for next-of-kin to identify the body.

Optional extras are available from R10 a month: body repatriation, and a Funeral Support Package with a R3,000 grocery voucher, R300 airtime, help with government forms, 24/7 funeral planning and trauma counselling. Vodacom also lists a 30% discount for applying online and 40% through the VodaPay app. Premium and cover escalate by 5% every policy anniversary. You may opt out of the escalation once and cannot opt back in. A December premium holiday applies if you paid every premium from January to November.

Vodacom Funeral Cover 4 You and 4 You and Your Family are billed weekly to your Vodacom recharge account. The main person can choose R2500, R5000 or R10000 of cover. The family option adds cover for a partner and children. The main person and partner join at 18 to 60, and children are covered up to age 21. There is a 15-day grace period.

The waiting periods differ from the main plan: 3 months for natural causes and 24 months for suicide, with accidental death paid from the start. Ask Vodacom how the 24 months applies before you rely on it.

Some 24-month Vodacom contracts come with funeral cover. The amount depends on the contract, and Vodacom pays the premium as part of the deal. Vodacom says to call to confirm the amount, and no other terms are published for it. Ask for the cover terms in writing.

On the main plan the waiting period is six months for death from natural causes and twelve months for suicide. No waiting period applies to accidental death, or to children added within 3 months of their birth. Waiting periods already served with another FSCA-registered insurer can be waived, with proof of previous cover and cancellation within 31 days.

The law caps a natural death waiting period at six months and allows none for an accidental death.

Vodacom's terms give a 30-day cooling-off period. Ask Vodacom to confirm your cooling-off period in writing.

A lapsed policy can be reinstated within 60 days, but there is no cover between the lapse and the first successful premium after reinstatement. The regulator's rules say an insurer that reinstates a lapsed funeral policy must do so on at least the same terms, with no new waiting period. Keep proof of every payment.

Checked on 30 September 2026 against Vodacom's official website. Numbers change, so confirm on the linked page before you call. Vodacom 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: vodacom.co.za/...ices/insurance/funeral-cover, vodacom.co.za/.../terms/vodacom-funeral-cover, vodacom.co.za/vodacom/help/funeral-cover.

Call 082 178 00, exactly as Vodacom prints it, or email [email protected]. If the number does not connect, check it on Vodacom's funeral cover page or its help page before you try another one. Report the claim within 180 days of the event.

Vodacom lists these documents:

• A fully completed claim form.
• A certified copy of the South African death certificate.
• A BI1663 form.
• Certified copies of the deceased's ID and the beneficiary's ID.
• A certified copy of a marriage certificate, or proof of marriage, if you are claiming for a spouse.
• A certified copy of an unabridged birth certificate, if you are claiming for a child.
• Proof of bank account.
• A police report and post-mortem, if the death is an accidental death.

Vodacom's product page says successful claims are paid within 24 hours of submitting all required documents. Its terms say it will usually pay a valid claim within 48 hours of verifying all required claim documents. The terms are the safer figure to plan around. The regulator's rule is that an insurer must decide a funeral claim within two business days after it has every required document. Our guide to how funeral cover payouts work explains the steps.

Ask for the reason in writing. The main reasons funeral claims are declined are waiting periods, fraud and unpaid premiums, according to the industry body ASISA. An insurer may not turn down a funeral claim because you did not disclose something it never asked about before the policy started.

Vodacom lists [email protected] for complaints. If you are still not satisfied, complain to the National Financial Ombud on 0860 800 900 or at nfosa.co.za. It is free for the person complaining. Vodacom's terms also list the FAIS Ombud on 0860 324 766. An older Vodacom help page lists 0860 103 236 for the Long-Term Insurance Ombud, an office that is now part of the National Financial Ombud, so use 0860 800 900. The Ombud may dismiss a complaint if three years or more have passed since you knew, or should have known, that you had cause to complain, so do not wait.