Planning for a funeral isn’t something most of us like to think about, but having the right cover can lift a huge financial weight off your family’s shoulders. Funerals in South Africa can range from modest, no-frills send offs to elaborate ceremonies with hundreds of guests. So how much funeral cover is enough?

Let’s take a closer look at what the real costs look like, and how MiFuneral gives you the flexibility to choose the right cover amount.

The Basic Farewell

A simple, dignified cremation or burial with minimal extras may cost around R15 000. (To give you an idea of the cost of a funeral in 2025, read this.) This includes essentials like a plain coffin or casket (from R450), cremation (from R7000) and a basic memorial or service (from R4000). If family members live nearby and there are no major transport or catering costs, this level of cover can be enough to ease immediate pressure without breaking the bank.

MiFuneral’s minimum funeral benefit pays out R20 000 for the policyholder and their spouse. The minimum for cover amount for your parents is R10 000 and children under the age of 6 and extended families is R5 000.

The Standard Send Off

This is the range many South African families aim for and it might cost around R30 000. It typically includes a standard casket, funeral home services, transport of the deceased, flowers, a modest catering setup and printed programmes.

If you’ll need to bring family members in from another province, or provide accommodation for a few nights, the total can easily climb toward R50 000. This is where having mid-range cover makes a real difference.

You can also enhance your policy with extra optional benefits like Income Support Cover, which pays your family a monthly amount for 12 months after your passing. You could also opt for Final Expenses Cover which provides an additional lump sum payout to help cover urgent costs that arise after a loved one passes away that aren’t related to the funeral itself.

The Premium Funeral

Large funerals can involve full funeral parlour services, venue hire, elaborate catering for over 100 people, tents and chairs and several days of travel and accommodation for family members. These high-end ceremonies can easily exceed R100 000. For families who want to give their loved ones an especially grand farewell, a premium level of cover offers peace of mind.

The Bottom Line

At MiWayLife, we realise that every family is unique. This is why, with MiFuneral, you can customise your cover based on your needs and your monthly budget and payouts happen quickly – within 48 hours of receiving all the required documents.

If you have an idea of what type of funeral you’d like, why not get a quick quote today? You might be surprised by how little it costs to ensure that, when the time comes, you’ve got the coverage you need to ensure you or your loved ones receive the dignified farewell they deserve.

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.