Funeral Cover | Compare Quotes in 2 min

Compare 10 of SA's top Funeral Insurers

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All our Funeral Insurance partners are licensed insurers and FSP's, vetted to meet our internal compliance and quality standards.

How to compare Funeral Cover quotes

Hippo simplifies the process by letting you compare Funeral Plans side by side, so you can find one that works best for you.

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Head to the top of this page to get started with your quote.

Answer a few questions

Fill in a few details, such as your lump sum amount and income for a more accurate quote.

Get your quotes

Compare plans and prices directly from 10 insurers. No need to enquire separately.

Pick your plan

Choose an insurer. A representative will get in touch to finalise your cover.

Real reviews and real savings

South Africans think we’re lekker. But don’t just take our word for it. See what they have to say:

Service provided is useful. Getting multiple quotes quickly and easily in one place is very convenient. When capturing my age I had to scroll for longer than needed to get all the way back to 1978. Consider changing this to an input field where you can just type in the date.

Anonymous

With hippo you will never go wrong.They give you different insurance quotes to choose from and after choosing you will receive a call from the insurance of your choice.So thank you hippo I managed to get insurance cover because of you.

Elisabeth

It was easy because I didn't have to fill in my personal details I only entered my ID number and that was it. The option of having many quotes to choose from one app is really time saving....... WELL DONE HIPPO, WELL DONE ☺️

Moeketsi

Independent Service rating based on 20 704 service ratings.

Funeral Cover for peace of mind

It’s already a difficult time. Make it easier by ensuring the funeral costs are taken care of.

What is Funeral Cover?

Funeral Cover is an insurance policy that pays out a tax-free lump sum soon after an insured person passes away, helping the family cover immediate funeral costs without financial strain during an already difficult time.

Why should you consider it?

Funeral costs in South Africa can run into tens of thousands of rands, covering undertaker fees, burial arrangements, catering and transport. Without insurance in place, these expenses can push grieving families into serious debt.

Life Cover vs Funeral Cover

Life Insurance replaces lost income for dependants, covering bond repayments, education, debt and allowing for an inheritance. Funeral Insurance is typically a smaller amount, easier to qualify for and focused on covering the immediate costs of a funeral.

How do payouts work?

Funeral insurance pays out a tax-free lump sum, typically within 24 to 48 hours of a valid claim. It’s one of the fastest-paying insurance products, helping families get the money they need, when they need it most.

Dunno much about Funeral Cover?

You can take out affordable Funeral Cover for yourself and add members of your family.

Funeral costs

Payouts can be used to cover airtime, groceries, flowers, catering, tent hire, transport, and repatriation. Some plans also include bereavement counselling, tombstone benefits, premium holidays, and cashback rewards.

Waiting periods

Accidental death usually has no waiting period. Natural death typically has a 6–12 month waiting period, while suicide carries a 12–24 month waiting period. Adding a new family member starts a new waiting period for them.

Family members

A single policy can cover up to 21 family members, including your spouse or partner, children (biological, step or adopted, typically under 21), parents and parents-in-law, and extended family members.

Claims process

When an insured person dies, the beneficiary must contact the insurer. You'll need a death certificate, the deceased's ID, the beneficiary's ID and banking details, a completed claim form, and proof of cause of death.

Find a better deal on family funeral cover

What does Funeral Cover cost?

The answer depends on several factors: the cover amount you choose, how many family members you want to insure, their ages and the plan you select.

Individuals

On Hippo, premiums start from as little as R42pm for individual cover.

Premiums from R42pm*

Cover up to R80,000**

Family plan

A family funeral plan covers your spouse, children and parents.

Premiums from R100pm*

Cover up to R80,000**

Extended family

Some of our partners’ policies offer cover for up to 21 members.

Premiums from R500pm*

Cover up to R80,000**

*Lowest accepted quote by Hippo users in 2026. Actual quote prices will be profile dependent. **Hippo quotes up to R80,000. However, some of our partners offer Funeral Cover up to R100,000.

Choose the best plan for you

Helpful guides to help you choose the right cover and get the most from your funeral policy.

Funeral Cover for Parents

Funeral Cover for parents lets you add them to your policy so that when they pass away, a tax-free lump sum is paid out to help cover funeral costs.

Family Funeral Cover

Family Funeral Cover covers burial expenses for you, your spouse, children and parents. A speedy, tax-free lump sum is paid out on proof of death.

Funeral Cover for Extended Family

Extended family Funeral Cover covers the funeral costs of family members beyond your immediate household. Some of our partners offer cover for up to 21 members.

Funeral Cover for Over 80's

Some of our partners offer Funeral Cover for over 80s. Like most funeral policies, you don’t need a medical test. It's never too late to put a plan in place.

The ins ‘n outs of Funeral Insurance

Hippo's top tips to getting more out.

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Funeral Insurance FAQs

How quickly will my claim payout?

Most claims are paid within 24 to 48 hours of the insurer receiving all required documents. Payment is made via EFT directly to the named beneficiary.

Do I need a medical exam to get Funeral Cover?

No. Funeral Cover in South Africa does not require a medical exam or health questionnaire. However, waiting periods will apply before certain claims can be paid.

Can I change my cover amount and family members?

Yes, most providers allow you to adjust your cover amount or add and remove family members at any time. Note that a new waiting period will apply for any newly added person.

What happens if I miss a premium payment?

This depends on your insurer. Some plans offer a grace period or premium holiday that lets you skip 1–3 months without losing cover. If your policy includes a paid-up benefit and you've paid premiums for the required period (usually 10–15 years), your cover may continue even if you stop paying altogether.

What does "remain covered" mean after the main member dies?

Some plans offer a premium waiver, allowing remaining family members to stay covered for a set period after the main insured person passes away, without having to pay further monthly premiums.

How do I make sure my family can claim?

Make sure your loved ones know the policy exists, keep your beneficiary details up to date and store your policy documents where family can easily find them. Unclaimed benefits are more common than you'd think, usually because families didn't know a policy was in place.

What are the legal requirements for cover amount and age?

Funeral Cover in South Africa is regulated under the Insurance Act, 18 of 2017, together with the Policyholder Protection Rules, there is no statutory cap on aggregate Funeral Cover across multiple policies held with different insurers. Main members are typically accepted from age 18 to 65, with cover continuing up to age 75 or 85 depending on the insurer. Children (biological, step, and legally adopted) are covered from birth up to age 21, or 25 if they are full-time students. Parents and parents-in-law can also be added, with an age limit of 75, though this will result in higher premiums.

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Your easiest way to find better funeral cover

Compare more than just Funeral Cover

With Hippo we make it easy to find great deals across multiple products.

Life Insurance

Provides financial security for your dependants. Ensure your home loan, rental costs, debt and children’s tuition are taken care of when you pass.

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Car Insurance

Covers your vehicle against damage, theft and third-party claims. Premiums vary by driving history, usage, vehicle model and where you park overnight.

Building Insurance

Covers the physical structure of your property against damage. Compare quotes to make sure you're not overpaying.

Motorbike Insurance

Covers your motorcycle against damage, theft and third-party claims. Premiums vary based on your personal profile.

Pet Insurance

Vet bills can add up quickly, especially when unexpected. Compare quotes to find a policy that fits your fur baby’s needs (and your monthly budget).

Travel Insurance

Protects you against unexpected medical and/or flight-related costs when travelling locally or abroad. Premiums vary based on the type of cover you opt for.

Home Fibre

Fibre prices and speeds vary significantly by area and provider. Find the fastest, most affordable package without contacting each provider separately.

Medical Gap Cover

Covers the difference (shortfall) between what your Medical Aid pays and what a specialist charges. Gap Cover is not a substitute for Medical Aid.

Medical Insurance

More flexible and affordable than Medical Aid, Medical Insurance covers day-to-day health needs or specific procedures. This product is not a substitute for Medical Aid.

Hippo Comparative Services (Pty) Ltd is an authorised financial service provider.

FSP number: 16357. Block A, Steyn City Capital Park, Erling Road, Riverglen, Dainfern, 2191

*Based on independent research by Kaufman Levin & Associates 2025.

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