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Discovery Funeral Cover

Discovery Funeral Insurance is an affordable option starting at R53 a month. This funeral cover is for the insured and for their family members and pays out at the time of death, offering benefits to assist during and after the event.

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Discovery Funeral

  • Discovery Life Funeral Plan

Discovery Life Funeral Plan

  • Get cover from R53 a month
  • The Discovery Life Funeral Plan option you choose determines the funeral cover amounts for you and the other lives assured
  • A lump sum is paid out for any life assured who passes away (funeral cover won’t pay out for you if you or the assured die from natural causes during a waiting period)
  • Waiting periods will not apply if the death is due to an accident
  • Should an insured die from natural causes during a waiting period, premiums paid during that time will be paid back
  • Once all requirements and documentation have been met, funeral cover is paid out within 24 hours
  • Cover amounts increase every year on the policy anniversary
  • Funeral cover amounts for children and stillborn children are limited by law

Discovery Life Funeral Plan Benefits

Automatic Baby Cover

  • Discovery Automatic Baby Cover pays out a lump-sum amount if a child born to you or your spouse (insured as the spouse on the policy) dies within three months from birth
  • Discovery Automatic Baby Cover pays out funeral cover if your child or the child of your spouse (insured as the spouse on the policy) is stillborn
  • Cover is limited to a maximum of two pay-outs per policy
  • No benefit will be paid for a child or stillborn if the pregnancy term is shorter than 26 weeks

Discovery Accidental Death Benefit

  • If you or your spouse or partner dies as a result of an accident, the total funeral cover amount is double the funeral cover amount stated
  • Your spouse needs to be insured as a spouse on your policy schedule
  • Waiting periods do not apply for accidental death for you and the lives assured
  • The accident that leads to the death of a life assured must occur after the start date of the policy, or after Discovery accepts the addition of the lives assured on the policy

Discovery Waiting Periods

  • Waiting periods do not apply to accidental deaths
  • A waiting period applies from the date a new life assured is added to the policy
  • A waiting period will be six calendar months from the start date of the policy for you, your spouse, children, parents, and parents-in-law covered under the Discovery Funeral Policy
  • A waiting period will be implemented for nine calendar months from the start date of the policy for any extended family covered
  • The waiting period will also apply to the increased funeral cover amount for all lives assured, from the date when cover is increased
  • If you or an assured dies of natural causes during the waiting period, Discovery Life will refund the premiums for that life assured

Discovery Educational Benefit

  • If you or your spouse, insured as a spouse on the policy, dies, the Education Benefit as stated on your Policy Schedule will be paid out for each child insured
  • The Education Benefit will not apply to a child who is insured as an extended family
  • The Education Benefit will increase every year
  • If the Education Benefit has been paid it will not be available again if your spouse chooses the continuation option
  • The benefit will only be paid once on the earlier date of your or your spouse’s death

Discovery Memorial Benefit

  • Should you or your spouse (a spouse who is insured on the policy), dies, the Memorial Benefit amount on your policy will be paid out at death
  • The benefit will increase every year on the anniversary of your policy date

Discovery Grocery Benefit

  • Should you or your spouse (insured as a spouse on your policy) die, the Grocery Benefit stated on your policy will be paid out at death
  • This benefit increases every year on the policy anniversary

Choose world-class Discovery Funeral Insurance cover with the most affordable options. Find one that suits you and your family’s needs.