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Funeral Cover

Premium Payable Per Family Per Month:

Plan A Plan B Plan C Plan D Plan E Plan F
Principal R5 000 R10 000 R15 000 R20 000 R25 000 R30 000
Spouse R5 000 R10 000 R15 000 R20 000 R25 000 R30 000
Aged 14–21 R5 000 R10 000 R15 000 R20 000 R25 000 R30 000
Aged 06–13 R2 500 R5 000 R7 500 R10 000 R12 500 R15 000
Aged 01-05 R1 500 R2 500 R3 750 R5 000 R6 250 R7 500
Stillborn to 11 Months 500 R1 000 R1 500 R2 000 R2 500 R3 750
Monthly Premium R25 R50 R75 R100 R125 R150
funeral cover table

The above table shows the amount that will be covered by the different membership categories as well as the premium payable per family per month.

Our Funeral Cover Policy

Provides benefits for the Main Member and their immediate family members only i.e. spouse and / or child / children under 21 years of age.
Spouse is defined for this Policy as the legal or common law husband / wife of a Member or such a person residing with the Member (for a period of at least 12 months proved with an affidavit), who is normally regarded by the community as the Member’s husband / wife.
Will pay a pre-determined sum of money to a Main Member or Nominated Beneficiary in the event of one of the Insured Lives passing away.
Imposes an entry age limit of 65 years.
Applies a 6 month waiting period for death due to natural causes.
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When are you NOT COVERED under your Funeral Cover Policy?

  1. Where death is due to self-inflicted injuries within 12 months of taking out cover.
  2. Where claims are submitted and received after a period equal to 3 months after the date of death.

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How do you claim?

Policyholders need to submit certified copies of the following documentation to claims@totalrisksa.co.za to initiate the claiming process:

Death Certificate
ID document of deceased
ID document of nominated beneficiary
Banking details of nominated beneficiary
Claims will be paid via EFT into the bank account identified by the nominated beneficiary.

A full list of 2022 terms and conditions can be viewed here