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FAQ - Funeral cover

Funeral insurance provides your family with the finances to pay for a funeral, as well as costs related to the death of you as the main member or any member on the policy. These costs could include funeral parlour services, repatriation services, even the medical costs if there were any.

In addition to the cover amount, 1Life also provides your family with:

  • A premium waiver in the event of the main member dying so that the policy stays in place for other members for up to two years.
  • Grocery benefit: if the main member passes away his/her family will receive a grocery benefit of up to R1 000 per month for 6 months.*
  • Memorial benefit: R5 000 is paid out to assist with buying a headstone for the unveiling, on the anniversary of a successful claim*.
  • Repatriation service: a repatriation service is offered to transport the deceased from place of death from any SADC country and adhere to cultural requirements in this respect. 
  • Claims paid out within 24 hours of approval.

*Terms and conditions apply. These benefits are only available to members who are older than 14 years of age.

No you don’t have to be an existing client and you can purchase the cover as a stand-alone benefit.

Your premium is based on the amount of cover you request as well as your age at the inception of your policy.

Depending on the type of product that you purchase, you may have to either complete an HIV test, or disclose your HIV status in order to determine your risk.

No, there are no medical exams or tests. You may however be asked a few health and lifestyle questions as well as be requested to complete an HIV test.

  • You are covered immediately for accidental death.
  • For natural death, the waiting period is 6 months. 

You can cover 2 spouses, up to 5 children (up to the age of 21) and 9 extended family members including 4 parents or in-laws at an additional cost per member.

Your family will receive a payout as designated by you when you bought 1Life funeral insurance. This can be used to pay for a funeral, a memorial service, funeral parlour services, etc.

Yes there age limits for funeral cover. You can take out funeral cover anytime between the age of 18 and 65. Children up to the age of 21 will be covered or 25 if they are full-time students. Parents up to the age of 75 will be covered and extended family members up to the age of 65.

Yes, you will simply be asked a few health and lifestyle questions as well as be requested to complete an HIV test.

No they won’t have to pay tax. These types of insurance pay-outs are tax-free so that your family can enjoy the full benefit they offer.

Yes you can, just call our Client Services department who will help you amend your policy.

DebiCheck is a new way you control how certain debit orders are taken out of your bank account. You confirm this once, at the start of the contract. This is done to inform your bank that you give permission for the money to be taken from your account. Find out more here.

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
  • Completed forms need to be faxed back to 1Life on 0860 10 51 97

Benefit is paid out within 24 hours provided that 1Life has received all claims documents and they have been approved by our claims department.

No they don’t have to. They can use the pay out to pay outstanding debts, ensure the monthly bills are paid or even medical expenses that may have piled up.

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