Funeral cover for everyone

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Capitec Funeral Insurance

Get a funeral plan with Capitec that is underwritten by Centriq Life Insurance Co Ltd. You can choose how much cover you and your family need and what type of benefits you would like to add to your funeral plan. You won’t have to pay for benefits that you don’t need or want. Choose the products from Capitec Funeral Insurance cover that suit you best.

Family smiling and sitting down while, mother and father hold their son and daughter


  • The Capitec Funeral Cover Plan (just add the benefits you need)

Capitec Funeral Cover Benefits

  • Tell Capitec how many people you would like to cover and Capitec will calculate the premium based on what you choose
  • You can get lower premiums by making use of the Capitec Bank app
  • Get one plan with more cover — a combination of a high cover amount and the number of lives insured
  • Get cover for up to 21 dependents
  • The dependents on your plan can include a partner and up to 4 parents, eight children and eight extended family members
  • Let Capitec Funeral cover know how much you can afford, and they will calculate your cover
  • You will always be informed regarding decisions such as premium hikes
  • All information will be in writing – at least 30 days prior to any changes
  • Should you add more beneficiaries to your plan or increase your funeral cover, your premiums will be adjusted accordingly
  • The claims process is easy – simply contact the 24/hour Capitec Client Care centre and submit the necessary documents
  • There is a waiting period waiver
  • Waiting period waiver: should you switch from a funeral policy and the waiting period is over, Capitec will waive your waiting period for natural death for the same life assured and related cover amounts in your previous policy
  • No waiting periods for accidental death, and a double accidental death benefit from day one
  • For children, there is limited funeral cover to the maximum cover amounts as prescribed by law
  • Pause your premium for up to six months without any monthly premium payments and with no cover. This benefit has a waiting period of 24 months
  • Restart your plan any time in the 6-month period to reactivate your cover and premium, and you get the same full benefits
  • There is a newborn premium waiver. Get full cover for up to 6 months without any monthly premium payments when you provide an unabridged birth certificate within 3 months of the birth or adoption of a baby (Capitec’s way of congratulating new parents)
  • The newborn benefit has a waiting period of 12 months and can be applied for on an unlimited basis (all subjected to 12 month waiting periods over the term of the policy)
  • Repatriation covers transportation of the body within the borders of South Africa, Namibia, Zimbabwe, Swaziland, Lesotho, Botswana and Mozambique to a chosen funeral home closest to the place of burial (in South Africa)
  • This benefit also includes transportation arrangements and overnight accommodation for one family member
  • Death premium waiver should the policyholder die within 12 months after the inception of the policy
  • Dependants on the schedule will continue to receive full cover for the next 6 months at no extra cost
  • Death Premium Waiver will be automatically activated upon the registration of the policyholder’s death
  • Legal maximum child cover is restricted by legislation (if the child cover of the policy reaches the maximum amounts, Capitec Funeral will restrict the payout amount to the maximum amount allowed)

All Capitec Funeral Plan benefits are subject to terms and conditions, including limitations and exclusions stipulated in the ​​terms and conditions​.

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