funeral cover – what to in the event of death

what to do in the event of a death

The loss of a loved one is a traumatic experience for anyone to have to go through. Not only are you mourning the loss of a family member, but you now have to plan a funeral.

what to do when a family member dies suddenly

Here are a few official points that you need to remember:

  • If your family member passes away at home, contact a doctor who will issue a death certificate for you, depending on the circumstances of the death.
  • If the death of a loved one occurs in hospital, the death certificate will be issued by the resident doctor. You might be requested to authorise an autopsy, but this isn’t a legal obligation for family funeral cover.
  • It is also your responsibility to register the death of a family member through either of the following channels:
    • The Department of Home Affairs
    • The South African Police Service
    • A funeral home or undertaker who is authorised by law to register the death of a person.
  • You will be issued with a Death Report (Form BI – 1680) which you need to keep along with a burial order.
  • No burial may legally take place unless authorised by way of the Burial Order (Form BI -14).
  • Once the initial shock of your loss has subsided, start informing the relevant financial institutions of your family member’s passing.
  • Whether you are claiming from a funeral policy for parents or immediate family funeral cover, contact Virgin Money Insurance as soon as possible.

what documents will you need to claim from your family funeral policy?

Knowing that you will need to have certain documents ready will make the process run a little smoother. Here’s what you’ll need:

  • Have your policy number on hand.
  • You will be required to present a copy of the death certificate.
  • You will also need to have certified copies of the deceased’s and the beneficiary’s identity document.
  • You can have documents certified by visiting your local SAPS with the original document on hand.

how soon are claims paid out

Once you have submitted the necessary documents, and completed the funeral insurance claim forms, the process is usually quite speedy:

  • The claims procedure typically takes 48hrs from the time you lodge all the necessary documentation, and the claim is approved, to funeral plan pay out.
  • If there are additional documents required, we’ll let you know to keep the process running smoothly.

funeral plans 101

Why do you need funeral cover? Does it cover everyone in your family? When does it pay out? Here is our quick guide to everything you need to know about funeral insurance.

The loss of a loved one is not only a traumatic experience, but can also be a heavy financial burden. Where will you find the thousands of Rands needed for a funeral? Planning a funeral is never something we want to do, but it is made easier when we have a family funeral plan in place.

Here are some reasons why funeral cover for extended family as well as your immediate family is so important:

  • Funeral cover is designed to ease the financial burden of the cost of a funeral.
  • This is done by providing the beneficiary of the policy with a lump sum payment to assist in paying for the funeral.
  • Great funeral cover will cover more than just the funeral expenses, but also offer some smaller benefits to make this trying time a little easier.
  • The lump sum that is paid after the death of a loved one can be used at your discretion for funeral arrangements to suit your family.

We don’t like to think about it, but death is a part of life and something that we should be planning for. Investing in a family funeral plan is a responsible choice to make for the sake of you and your loved ones.

must-have features of funeral cover

These features should come standard with your family funeral plan:

  • Funeral cover with no waiting period should be possible in the event of an accidental death.
  • In the event of the main member or their spouse passing away, the amount paid out should be doubled in the event of an accidental death.
  • Payout should be within 48hrs of receiving all the necessary documentation.

should-have features for family funeral cover

These benefits should help funeral arrangements run smoothly:

  • Grocery benefits that are paid out immediately with the funeral claim. This is to help feed all the guests who will be attending the funeral.
  • Airtime vouchers, so that the beneficiary can make all the important phone calls needed to arrange a funeral.
  • Being able to add your domestic worker to your family funeral plan is another important feature that your funeral cover should have.

could-have features for the ultimate funeral plan

Here are a few that could make a big difference for you and your family:

  • Having 24hr access to medical advice and information, seven days a week.
  • HIV Assist is another great benefit that your funeral plan could have. This allows you to get preventative treatment for a possible HIV infection due to a traumatic event within the 72hr window period.
  • Access to 24hr legal advice goes a long way, especially if there are legal problems that arise after the death of a loved one.

what else you should know?

There are a few details that you should know before taking out a family funeral policy. This information is to make sure you are aware of a few exclusion clauses across the board where funeral cover is concerned. They are:

  • A 24-month suicide and self-inflicted injury clause.
  • War, terrorist activity, rebellion, civil unrest or riot.
  • Wilful and deliberate breaking of any criminal law that accelerates or increases the risk that an insured person might die.
  • A nuclear event, biological or chemical warfare