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1Life Funeral Cover Explained

29 November 2022
6 minute read
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In South Africa, funerals are a crucial part of the grieving process and a way to honour and respect the deceased. Funerals often involve various rituals, gatherings, and ceremonies that require financial resources. Many families struggle to afford these expenses, leading to financial strain and debt.

The 1Life funeral plan helps families fulfil their cultural obligations and customs without compromising their financial stability. It also provides the means for them to give their loved ones a respectable farewell while alleviating the financial burden that comes with funeral expenses.

Get 40% discount on your monthly funeral cover premiums if you buy online.

Dealing with funeral arrangements and grieving is already a demanding and time-consuming process. A reliable funeral cover provider like 1Life Insurance ensures that claims are processed efficiently and pay-outs are made promptly, allowing the family to focus on grieving and honouring their loved one without unnecessary delays or complications.

Understanding 1Life Funeral Cover

Here's an overview of 1Life Funeral Cover benefits:

  • Funeral expenses: The policy provides a lump sum pay-out that you can use towards funeral expenses, including but not limited to funeral service fees, burial or cremation costs, transportation, and the purchase of a coffin or urn.
  • Repatriation service: a repatriation service is offered to transport the deceased from place of death in any SADC country to place of burial in South Africa.
  • Grocery benefit: if the main member passes away his/her nominated beneficiary will receive a grocery benefit of R6 000.
  • Memorial headstone benefit: This benefit is available through our supplier Metgran for a headstone to the value of R5 000 on the anniversary of a successful claim.

Carefully review your policybook and policy schedule to make sure you understand the benefits available to you.

Key features of your 1Life Funeral Cover

1Life Funeral Cover provides financial support and peace of mind to policyholders and their families during times of loss and bereavement. With a pay-out of up to R50 000 per member* it's the ideal choice for you and your family.

Key features of 1Life funeral insurance include:

  • *Flexible cover allows you to insure up to 16 family members on a single policy with a maximum pay-out of up to R50 000 per member, accommodating the main member, spouse or partner, parents, parents-in-law, extended family members and children.
  • Quick claims process: qualifying claims can be approved in 3 minutes, ensuring prompt assistance when you need it most.
  • Fixed premiums: Enjoy the peace of mind of guaranteed fixed premiums for the first 12 months, with no increases during this period.
  • Waiting periods: Accidental death claims have no waiting periods, while a 6-month waiting period applies for natural death claims.

Claims process: How to claim your 1Life funeral insurance benefits?

The 1Life funeral insurance claim submission process is designed to be straightforward and efficient. To initiate a claim, get in touch with the 1Life Claims Department by calling 0860 10 51 96. A dedicated claims consultant will guide you through the process and answer any questions you may have. The claims consultant will inform you about the specific documents needed for your claim. These documents typically include (but are not limited to):

  • Completed claim form: You will need to fill out a claim form with relevant details.
  • Death certificate: For both life insurance and funeral cover claims, a certified copy of the deceased's death certificate is required.
  • ID books: Certified copies of the deceased's ID book

Once all legible and complete documents are received, the claims department will review them to determine the validity of the claim. Qualifying claims can be approved in 3 minutes!

5 key things to know about 1Life Funeral Cover

1Life stands out as a reliable and customer-centric choice for your funeral cover needs. Here are some key aspects to know about 1Life Funeral Cover:

  1. 1Life Funeral Cover premiums are calculated based on various factors, including gender, age and cover amount.
  2. With 1Life Funeral Cover, a 24-month premium waiver applies. If the main member passes away, policy premiums will not be payable during this period. At the end of the premium waiver period, a policy continuation option is available.
  3. You can easily manage your policy on the policyholder portal or the WhatsApp service centre, your convenient 24/7 solution to retrieve policy schedules, view policy and personal details, update banking and contact details, update personal details and even view and pay outstanding premiums.
  4. Buying 1Life Funeral Cover online is quick, easy, and hassle-free. It allows you to save 40% on premiums and does not require medical exams. Enjoy the convenience of securing cover within minutes.

Choose award-winning funeral cover, choose 1Life

1Life has received numerous awards and accolades that validate its commitment to excellence, including being named SA's # 1 Direct Life Insurer for 11 consecutive years according to Swiss Re Reports (2010-2021), being voted top in the PWC Annual SA Insurance Sentiment Index 2022 and being named Category Winner in the Life Insurance/Savings & Investments Category in the 2022/2023 Ask Afrika Icon Brands Benchmark Survey.

By consistently delivering on their promises, earning recognition through awards, and maintaining high levels of customer satisfaction, 1Life has built a strong reputation as a trusted and reliable insurance provider in South Africa. Learn more about 1Life Funeral Cover today.

The views and opinions expressed in this article are those of the authors and do not necessarily represent or reflect the views of 1Life Insurance or its employees.

We answer your questions about our products and services! 

What is the maximum pay-out per member under 1Life Funeral Cover?

At 1Life Insurance, Funeral cover pays out up to a maximum of R50 000 for the main policyholder, his / her spouse (s) or partner, parents, extended family members and children aged 14-21 years (or 25 if full time students). Children 5 years or younger, have a maximum cover of R20 000.

How quickly are claims processed with 1Life Funeral Cover?

Qualifying claims can be approved in as little as 5 minutes, and claims paid out within 24 business hours, only if all the correct documents are received. If there is dispute, we have an additional 14 business days to finalise the claim.

How do I initiate a claim with 1Life Funeral Cover?

If you need to lodge a claim with 1Life, the following procedure would need to be followed:

  • Call the claims department on 0860 10 51 96, where one of our dedicated claim consultants will assist
  • The claims consultant will provide you with the initial documentation required to process the claim

Can I manage my 1Life Funeral Cover policy online?

Our new online service centre makes policyholder maintenance quick, easy and convenient. If you have a 1Life policy you can log in to view and manage your policy at any time, using your laptop, mobile device or desktop.

You can also use 1Life’s WhatsApp service centre which is available 24 hours a day, 7 days a week. You can retrieve your policy schedule on WhatsApp and check all your details, including cover and premium amounts, beneficiary and contact details. And, if you have a 1Life Insurance life policy you can update your personal details. If you can’t find what you’re looking for login to the 1Life online policyholder portal for more services and assistance. Alternatively, you can call us on 0860 10 51 94.

Are 1Life Funeral Cover premiums fixed?

There are no increases guaranteed for the first 12 months. Thereafter, the premium may be reviewed annually as per your chosen option that is CPI, Fixed and Inflation.

Can I purchase 1Life Funeral Cover online, and are there any benefits to doing so?

Yes. With 1Life Insurance, buying funeral cover online offers numerous advantages. Experience the convenience of buying funeral cover anytime and anywhere using 1Life’s user-friendly online buy process, which is accessible 24/7. You can purchase your funeral cover in under 10 minutes, and complete your purchase within 10 minutes. You will also save 40% on your premiums when you buy online from SA’s #1 Direct Life Insurer*.

How does 1Life Funeral Cover support repatriation services?

1Life's repatriation service provides for the transportation of the body from place of death, to place of burial. This benefit is only available within the borders of South Africa. Any person listed as a member on the policy qualifies for this benefit.

Repatriation will be provided even if death occurred during the waiting period for natural causes provided that the policy is active and paid to date. The deceased must be an insured life on the policy.

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