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Funeral Cover

The passing of a loved one is a devastating time. Funeral cover can help alleviate many financial responsibilities, so you can take the time necessary to grieve without any additional stress.

What is Funeral Cover?

 A funeral policy pays out a set sum in the event of a death by accidental or natural causes. The coverage allows you or a loved one to have the well-deserved dignified burial that’s envisioned. 

Contact Dialdirect today for a comprehensive, free funeral cover quote. We’ll make sure to offer you the best funeral cover services available in the South African market. 

Funeral Cover Benefits

  • Natural and Accidental death covered.
  • Death as a result of HIV/AIDS covered.
  • Death as a result of Covid-19 covered.

Repatriation Benefit

  • In the event of the insured’s death, the next of kin may decide on the place of burial and the funeral home.
  • The mortal remains will then be sent to a branch of the chosen funeral home, closest to the cemetery.
  • This service is only offered if both the death and burial occur within the borders of South Africa.


Funeral Cover Pricing

Individual Cover –

Benefit Cover Options

Policy holder

(If additional member e.g. Domestic worker, parents etc. is added the individual cover band must be selected)


From only R37pm

What are the waiting periods?

This period is a time in which no insurance cover is provided and monthly premiums are payable. The following waiting periods apply:
  • Natural death on the funeral plan is six months and six paid premiums.
  • Death from accidental causes is covered from the time we receive your first premium.
  • If you have had existing cover which is active within 31 days of taking up this policy, only the remaining waiting period on your existing cover will apply. Should there be no remaining waiting period left on your existing cover, then no additional waiting period will be applied to this policy. Waiting periods will only be adjusted if you have cancelled or you are going to cancel your existing cover.
  • For your reduced waiting period to be deemed valid on this policy in the case of a claim, we need you to submit a copy of your most recent policy schedule from your previous insurer for assessment and confirmation. This will be stored against your policy record.

Refer to Terms and Conditions for a full list of exclusions.

Frequently Asked Questions: Funeral Cover

What is excluded from my funeral cover?

Cover will not be granted and benefits will not be payable in the event of death of the assured life resulting directly or indirectly from or which is attributable to, suicide or attempted suicide during the first 12 months from the commencement date, notwithstanding such suicide or attempted suicide being the result of insanity (temporary or permanent), mental illness, the influence of drugs or intoxication of the assured life.

Who is eligible for funeral cover?

Our funeral cover is available for people between 18 and 65 years old. Contact Dialdirect for a personalised funeral cover quote.


How do I claim for funeral benefits?

To claim on the Funeral Cover policy, contact our call centre on 0862 10 50 85 from Monday to Friday, between 08:00 and 17:00 and Saturday between 8:00 and 13:00, and one of our helpful consultants will assist you.

What documentation must be submitted when I claim funeral benefits?

  • Certified copies of the identity documents of the life assured and nominated beneficiary.
  • Proof of identity of the assured life and the nominated beneficiary.
  • The policy schedule.
  • A fully completed DHA 1663 form (notification of death form).
  • An official police report if the death of the assured life was due to unnatural causes.
  • Proof of banking details of the beneficiary and one month’s bank statement.
  • If no beneficiaries exist, then a letter of executorship from the high court is required.
  • Any other documentary proof that may be required by the insurer.


Please note: all claims must be submitted within six months of the death of the assured life.

Is there a 24-hour service for repatriation?

Yes, there is an after-hours service offered when the claim contact number is used.

Who needs funeral cover?

Everyone should have funeral cover. People with large families can benefit the most, as a large funeral can be costly.

What kind of cover is available?

There are a few funeral plans to choose from. They include:

  • Individual cover: for a main member only.

  • Family cover: for the main member, spouse, and up to five dependents 21 years old and younger. The cover will include dependents up to 25 years old if they are registered students. 

  • Extension of cover for family members is also an option at an additional premium.

What would you like to be quoted on?

Scratch & Dent
Personal Accident
Funeral cover
Legal Cover