General Rules for Funeral Insurance


  1. Any person over the age of 16 years may participate as a main member in this Scheme / Enige persoon oor die ouderdom van 16 jaar kan deelneem as ‘n lid op die skema

  2. INTREE PERIODE/INCEPTION PERIOD

    6 Maande/Months – Natuurlike oorsake/Natural Causes (SUICIDE INCLUDED)

    9 Maande/Months – Natuurlike oorsake/Natural Causes Singles 86 – 90 (SUICIDE INCLUDED)

    1 Maand/Month – Onnatuurlike oorsake/Unnatural causes

    1 Maand/Month – Oorneem polisse/Take over Policies

    Claims qualify from the 1st month following the last month of the waiting period.

    Eise kwlifiseer vanaf die 1ste maand na die laaste maand van die wagperiode.


  3. A restriction of 6 own children is placed on the size of a participating family and all dependent children must be own or legally adopted children / Maksimum van 6 kinders kan gevoeg word en moet eie kinders of wettig aangenome of voogdyskap hê.
  4. A Child for whom there is no legal adoption or foster care documents must be an own member / ‘n Kind vir wie wettige aanneem of voogdyskap dokumente nie bestaan nie moet ‘n eie lid wees.
  5. A main member and spouse can both be members of the same policy if they are legally married, living together or married in custom law. All details must be supplied at inception / ‘n Hooflid en gade kan beide lede wees van dieselfde polis indien hulle wettiglik getroud is of saambly of getroud in Stamverband.
    All ID numbers of all members must be supplied at inception / Alle ID nommers moet verskaf word by aansluiting.
  6. IMPORTANT: ALTHOUGH SAFRICAN DOES NOT HAVE A SEPARATE SUICIDE EXCLUSION PERIOD ANYMORE, DEATH DUE TO SUICIDE WILL STILL CARRY THE NORMAL WATING PERIODS APPLICABLE TO THE MAIN MEMBERS POLICY. SUICIDE DOES NOT COMPLY WITH THE DEFINITION OF UNNATURAL DEATH / BELANGRIK: AL HET SAFRICAN NIE MEER ‘n APARTE SELFMOORD WAGPERIODE NIE SAL SELFDOOD NOGSTEEDS DIE NORMALE WAGPERIODES VAN DIE POLIS Hê. SELFDOOD VOLDOEN NIE AAN DIE VEREISTES VAN ONNATUURLIKE STERFTE NIE.
  7. Information wrongfully or wilfully supplied incorrectly will also cause a claim not to pay out / Informasie verkeerdelik of opsetlik verkeerd voorsien kan ook veroorsaak dat eise nie uitbetaal nie.
  8. All unnatural deaths (Excluding suicide) are covered after 1 month of date of inception if the data has been received by the administrator/Insurer and the 1st premiums have been paid and received. Death at a later stage due to attempted suicide is not deemed to be unnatural death. / Alle onnatuurlike sterftes (Selfmoord uitgesluit) word gedek na 1 maand indien data ontvang is en premies ontvang is deur die administrateer/versekeraar. Dood op ‘n latere stadium as gevolg van gepoogde Selfmoord is nie Onnatuurlike sterfte nie.
  9. Cover on this scheme is based on a month–to–month basis and premiums received for that month will cover you for that month only. Premium = No Cover / Dekking op hierdie skema is op ‘n maand tot maand basis en premies ontvang vir daardie maand dek slegs daardie maand. Geen Premie = Geen Dekking
  10. Full premiums for a month is payable on or before the 30th of that month. You have until the 10th of the next month to pay the premium at the maximum but then you must pay a double premium for both months / Volledige premies betaalbaar vir ‘n maand is betaalbaar voor die 30ste van daardie maand. U het tot die 10de van die volgende maand om te betaal maar dan ‘n dubbel premie betaalbaar.
  11. This is not a savings plan with any accrual value and no money will be refundable if you should cancel the policy at any time. If you should become in arrears with your premiums the policy can/will be cancelled. You will lose all paid premiums / Hierdie is nie ‘n spaarplan met enige groei waarde nie en geen gelde is terugbetaalbaar nie. Indien u ophou betaal of die kontrak kanselleer verval u dekking en premies. Sou u agterstallig raaak met betalings kan/sal die polis gekanselleer word. U verloor alle premies betaal.
  12. Premiums will because of different risk factors in the Insurance industry vary from time to time and can be adjusted if need be with a 30–calendar day notice period. Notice of cancellation of policy must also be with a 30–day calendar period. Membership of the scheme always commences on the 1st day of the month following the month of application or commences on the 1st day of a month selected by the client / Premies sal vir verskillende redes in die verskeringsbedryf van tyd tot tyd aangepas word ae kan aangepas word met ‘n 30 dae kalender periode. Lidmaatskap begin altyd op die 1ste dag van die maand opvolgend na die aansoek ontvang is of die maand wat die klient genommineer het.
  13. There will be no cover until after the 1st premium has been received and the designated waiting periods have been completed / daar sal geen dekking wees alvorens die 1ste premie nie ontvang is en die neergesette wagperiodes nie voltooi is nie.
  14. Only members up to the age of 85 or 90 years (next birthday) will be accepted. All existing paying members of other funeral schemes who wish to shift their insurance to us and keep their inception dates in place must be able to show proof that they had for a period of 6 months previously paid their premiums on a regular monthly basis / Slegs lede tot op ouderdom 85 of 90 (volende verjaarsdag) sal aanvaar word. Alle lede van oorneem polisse sal moet bewys lewer dat hulle vir die vorige 6 maande aaneenlopend op datum betaal het.
  15. Claims can be paid within 48 hours after the Insurer has received all the correct documentation. (see Control list on Claim form) / Eise kan binne 48uur nadat die versekeraar al die korrekte dokumentasie ontvang het betaal word. (sien Kontrole lys op Eis vorm)
  16. Claims will not be considered for persons who were not mentioned on the application form at inception. This also includes new–born babies who were not reported within 30 days after birth. Any new person added at a later stage after inception date of the policy is subject to a new waiting period equal to that of the main member. / Geen eise sal hanteer word vir persone wat nie by aanvang op die aansoekvorm verskyn het nie. Dit sluit nuut gebore babas in wat nie binne die neergelegde 30 periode gerapporteer is nie. Enige persoon wat nademaal bygevoeg word gaan deur ’n wagperiode soortgelyk aan die Hooflid.
  17. Any child dependant who reaches the age of 21 years and who is not a fulltime student at a registered institution or is not physicaly or mentally handicapped must become an own main member. / Enige kinder afhanklike wat die ouderdom van 21jaar bereik en nie ‘n voltyds geregistreerde student by ‘n geregistreerde instelling is nie of nie fiese of geestelik gestrem is nie moet dadelik ‘n eie hooflid word.
  18. Any own child over 21 years of age who is a registered fulltime student at a legal tertiary institution or school will only have cover as a dependant up to age 25 years. / Enige kind ouer as 21jaar wat by ‘n wettige Instituut of skool as ‘n Voltydse student geregistreer is sal slegs dekking hê tot ouderdom 25jaar.
  19. Working students enrolled part time does not qualify as a fulltime student and must become own members over age of 21 years. / Werkende deeltyds student kwalifiseer nie as voltydse student nie en moet na ouderdom 21 ‘n eie lid word.
  20. Any child dependant who at any age becomes pregnant and/or marries must become an own member with the same inception date of that of the original parent policy. In the case of a marriage the new spouse will have a new inception period. In the case of a child over 21 years there is a grace period of 3 months to register child as own member. After grace period has expired that child must go through a new waiting period. / Enige kind op enige ouderdom wat swanger raak of trou moet ‘n eie hooflid word met dieselfde intree ouderdom as die Ouers. In die geval van ‘n huwelik sal die nuwe man/vrou deur ‘n nuwe wagperiode gaan. In die geval van ‘n kind oor 21dae gee ons 3 maande grasie tyd as eie lid. Na grasie tyd geld normale wagperiodes.
  21. Claims for people who have been dead for more than 6 months will not be considered if prior notice of the death had not been received at time of death. / Eise vir persone wat reeds 6 maande en langer oorlede is se eise sal nie kwalifiseer indien ons nie binne die 6 maand tydperk sodanig in kennis gestel is nie.
  22. Stillbirths will only qualify after the 26th week of pregnancy. / Stil geboortes kwalifiseer slegs na die 26ste week van swangerskap.
  23. Claims for people who were put on record by the funeral parlours with details totally different from those supplied at time of death will also not qualify. / Eise vir persone wat geregistreer is met total verkeerde inligting van wat ontvang tydens eis stadium, sal nie kwalifiseer nie.
  24. A client has the right to cancel a policy in writing within 30 days after signing the application form and if you have paid a premium that money minus risk & administrative costs must be paid back to client. / ‘n Klient het die reg om ‘n polis binne 30 dae na aanvang te kanselleer en indien ‘n premie klaar betaal is moet daardie premie minus risiko en admin koste terug betaal word aan die klient.
  25. No part of any claim may be withheld from a client if that client has not signed an Invoice setting out the reasons for the deduction / Geen gedeelte van enige eis mag van ‘n klient weerhou word indien daardie klient nie ‘n Faktuur geteken het wat die redes vir die aftrekking weerspeel nie.
  26. Daar is steeds ‘n probleem dat ondernemers eise terug hou of nie uitbetaal nie of gedeeltes aftrek as die kliente nie van hulle dienste gebruik maak om begrafnisse te doen nie. DIT IS HEELTEMAL ONWETTIG EN SOU ONS SO ‘N EIS UITBETAAL EN SAFRICAN KRY SO ‘N KLAGTE SAL HULLE U FORSEER OM DIE VOLLE BEDRAG UIT TE BETAAL WAT NA U BETAAL IS. U MAG NIE EERS SO ‘N REEL IN U LEDE BOEKIES HÊ NIE. DIE ENIGSTE KEER DAT U GELD KAN TERUGHOU VAN ‘N EIS IS WANNEER DIE KLIENT VIR U AGTERSTALLIGE PREMIES SKULD, OF U ENIGE DIENSTE VERRIG HET SOOS DIE ADMIN KOSTE OM ‘N LIGGAM AF TE HAAL OF TE BERG EN SELFS DIE TYD. KOSTE EN MOEITE WAT U GEHAD HET OM DIE DOOD TE REGISTREER EN DIE EIS IN TE DIEN. TYD IS GELD. WAT BAIE BELANGRIK IS, IS DAT U MOET VIR ALLE BEDRAE WAT U AFTREK ‘N FAKTUUR AAN DIE KLIENT UITREIK SODAT HULLE KAN SIEN WAARVOOR DIE GELD GEGAAN HET.

    There is still a problem of undertakers keeping claims back or not paying it out deducting certain amounts if the clients do not make use of their services for funerals. IT IS TOTALLY AGAINST THE LAW AND SHOULD WE PAY OUT A CLAIM AND SAFRICAN RECEIVES A COMPLAINT THEY WILL FORCE YOU TO PAY OUT THE FULL AMOUNT THAT WAS PAID TO YOU. YOU MAY NOT EVEN HAVE SUCH A RULE IN YOUR POLICY BOOKLETS. THE ONLY TIME THAT YOU MAY WITHHOLD ANY AMOUNTS FROM A CLAIM IS FOR PREMIUMS IN ARREARS, OR ANY SERVICES YOU RENDERED LIKE REMOVING AND STORAGE OF THE BODY AND EVEN THE TIME AND COSTS INVOLVED IN REGISTERING THE DEATH OR SENDING IN THE CLAIM. TIME IS MONEY. WHAT IS VERY IMPORTANT IS THAT FOR ALL AMOUNTS THAT YOU DEDUCT, YOU MUST ISSUE AN INVOICE TO THE CLIENT SO THAT THE CLIENT CAN SEE WHAT MONEY WAS USED FOR WHAT PURPOSES.