How to claim for Funeral Cover

Funeral Cover generally pays out upon proof of death of a family member. You need to report the death in order to receive an official death certificate. Your Funeral Cover company will then provide you with documents to complete in order to submit the claim. Once the documents have been completed, submitted and approved, you will be paid out within 24 to 48 hours. This ensures that you have the funds to cover the financial obligations that arise during this time.

If you are unsure which cover is the right one for you and your family, then your next step is to do research. Compare quotes on Hippo.co.za to see what different companies can offer you and find the best Funeral Cover policy for your family.

Please note: not all partners on Hippo currently offer Family Funeral Cover. This article is for informational purposes only and should not be considered financial, medical, or legal advice.

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Frequently asked questions

What is Funeral Cover with no waiting period?

Funeral Cover with no waiting period is a type of policy where certain benefits, often for accidental death, are available from the moment your cover starts, instead of after a set waiting time. In some cases, insurers may also waive or reduce the waiting period for natural death, but this will depend on the specific policy and provider.

What is a waiting period on Funeral Cover?

A waiting period is the time from when your policy starts to when you can claim for specific events, usually natural death. During this time, you pay your premiums, but your beneficiaries may not be able to claim for certain causes of death, as defined in the policy wording.

What is a natural death waiting period?

A natural death waiting period applies to deaths caused by illness or other non-accidental, natural causes. Many Funeral Cover policies set this period at between 6 and 12 months, meaning that if the policyholder dies from natural causes during this time, the insurer may not pay the full benefit, or any benefit at all, depending on the terms and conditions.

What is a pre-existing condition waiting period?

A pre-existing condition waiting period relates to illnesses or conditions that existed before you took out the policy, such as long-term heart disease, diabetes, or other chronic illnesses. If a covered family member passes away due to a pre-existing condition within a specified period (commonly up to 24 months), the insurer may limit or decline the claim according to the policy rules.

Are there Funeral Cover policies with no waiting period?

Yes, some Funeral Cover policies offer no waiting period for accidental death, and in certain cases reduced or no waiting periods for natural death. It is important to confirm exactly which benefits are covered immediately, and which still have waiting periods, by reviewing the policy details or speaking directly with the provider before you sign up.

How do I choose the right Funeral Cover option for my family?

Consider factors such as the level of cover you need, your budget, and how long you are comfortable waiting before full benefits apply. Comparing multiple Funeral Cover options side by side can help you identify policies with shorter or no waiting periods, more flexible benefits, and premiums that suit your family’s needs.

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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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Funeral cover with no waiting period

Understand how no waiting period funeral cover works and what protection is available immediately after taking out a policy.