Talking about death isn’t easy. Neither is asking questions about what happens when someone you love passes away. But understanding how your funeral cover works can help you make informed decisions now and make things a little easier for your family when the time comes.

Why Is There A Waiting Period On Funeral Cover? 

A waiting period is a set amount of time after taking out a policy during which you may not be covered for certain causes of death. 

Waiting periods help insurers manage the risk of someone taking out cover when they already know a claim is likely to happen soon. They can differ depending on the insurer and cause of death, so it’s important to understand exactly what applies to your policy. 

With MiFuneral, your policy documents will set out the waiting periods that apply to your cover, so you know exactly where you stand from the start.

What Actually Happens When My Family Needs To Claim? 

When a loved one passes away, the last thing a family wants is a complicated claims process. The person making the claim will usually need to notify the insurer and provide certain documents, which may include a death certificate, identification documents and other supporting information. 

MiFuneral also includes Funeral Assistance Services to help your family navigate some of the practical arrangements after a loved one passes away, including guidance on how to obtain a death certificate. 

It’s also a good idea to make sure someone in your family knows you have funeral cover and where to find your policy information. 

Can I Cover Family Members Who Don’t Live With Me? 

Yes. Funeral cover doesn’t have to stop with the people who live under your roof. 

MiFuneral allows you to cover your spouse, children and parents, as well as up to 12 extended family members. Eligible extended family can include grandparents, siblings, aunts, uncles, cousins, nieces, nephews and certain in-laws.

What If A Loved One Passes Away Far From Home? 

Getting a loved one home for their funeral can add another logistical and financial worry at an already difficult time.

MiFuneral includes a Repatriation Benefit to help bring your loved one home if they pass away far from home. It’s one less practical concern for your family to deal with while they’re grieving.

Does Funeral Cover Only Help Pay For The Funeral?

Not necessarily. While funeral cover is designed to help with the immediate costs surrounding a funeral, losing someone can have a financial impact that lasts much longer. 

MiFuneral offers optional Final Expenses Cover, which provides an additional R50 000 benefit for other end-of-life expenses rather than the funeral itself. You can also choose optional Income Support Cover, which can provide a monthly amount to nominated beneficiaries for 12 months after an approved claim.

Still Have Questions About Funeral Cover?

Don’t be afraid to ask. MiFuneral is here to help answer your questions so you can feel confident about your cover. Simply get in touch, or get an obligation-free quote today. 

Did You Know:

You can now take out affordable funeral cover with us online in a few simple steps. No calls and no agents! Discover the digital way to enjoy full peace of mind by buying a MiFuneral Policy cover online.