Funeral Benefit
Our Funeral Benefit gives employees the comfort of knowing that their family won’t be left with the burden of paying for their funeral when they die
Benefit structure
The Funeral Benefit assist’s the family of the deceased financially for the purpose of providing the deceased with a dignified burial. The Funeral Benefit may be offered as a single member benefit or as a family benefit.
The family benefit allows for cover to include an insured’s spouse, children or parents, depending on the policyholder’s benefit selection.
The basic benefit
The benefit is always a flat benefit amount, selected by the policyholder at the start of the policy.
Where to find us
Call Hollard Group Risk on
011 351 5000 or email
hgradmin@hollard.co.za
Alternatively, visit us at:
Address:
34 Melrose Boulevard, Melrose Arch, Gauteng, South Africa
Visit Hollard Group Risk to talk to someone or for more information.
If the policyholder has selected the family benefit, the benefits are usually scaled, as shown in the example below:
Insured | Maximum benefit allowed |
|---|---|
Main member | R30,000 |
Spouse | R30,000 |
Child of 14 - 21 years | R30,000 |
Child of 6 - 13 years | R15,000 |
Child of 1 - 5 years | R15,000 |
Child of 0 - 11 months | R3,750 |
Stillborn | R3,750 |
Parent | R7,500 |
Maximum benefit allowed
Main member
R30,000
Spouse
R30,000
Child of 14 - 21 years
R30,000
Child of 6 - 13 years
R15,000
Child of 1 - 5 years
R15,000
Child of 0 - 11 months
R3,750
Stillborn
R3,750
Parent
R7,500
Spouse
A person who is the permanent life partner (whether in a heterosexual or homosexual partnership) or spouse or civil union partner of a main member in accordance with the Marriage Act, 68 of 1961, the Recognition of Customary Marriages Act, 68 of 1997, or the Civil Union Act, 17 of 2006, or the tenets of any Asiatic religion. A permanent life partner will be covered only from the date of receipt of written disclosure of the life partnership to us. A maximum of one spouse per main member will be covered for benefits under this policy at any one time.
Child
An unmarried, financially dependent child of the employee, who has not yet attained the age of 21, and will include a posthumous child, a stepchild, a legally fostered child, an adopted child and a stillborn child following 26 weeks of pregnancy. The age may, at our discretion, be extended to 25 ages attained, in respect of an unmarried child who is a full-time student at a registered educational institution. Will also mean an unmarried, financially dependent child of the employee who is mentally disabled or permanently, totally physically disabled, whilst the employee is eligible for cover under this policy.
Parent
Includes the parent of the employee and/or spouse where the employee and/or spouse is a natural child, a stepchild, a legally fostered child or an adopted child of the parent. A maximum of four parents will be covered for benefits under this policy during the entire period of the main member’s cover under this policy.
*The policyholder can request a scale appropriate for the scheme; however, the benefit for the spouse, child or parent may not be more than the main member’s benefit.
Policy terms and conditions
Eligibility
- Minimum entry age is 18.
- Maximum entry age is 64 (except for parents who can join up to age 74).
- Maximum cover age is 70 (except for parents where there is no maximum cover age).
An insured must:
- be an employee of the employer or be a spouse, child or parent of the employee.
- live in the Southern African region and must either be a citizen of the Republic of South Africa or have been given the necessary permission from the South African authorities to live and work in the Republic of South Africa.
Exclusions
Warlike activities
- Nuclear, biological and chemical warfare or sabotage.
- The insured actively taking part in any war, invasion, rebellion, revolution, uprising, riot, civil commotion, strike, labour disturbance, and the seizing of power overthrowing or influencing any government by force or terrorism.
Waiting period
If a waiting period applies to your policy, we will not pay a claim that occurs during the waiting period.
How to claim
The claim must be notified, and all claim documentation must be submitted to us within 12 months of the date of death.
We typically need the documents listed below. If we need any additional evidence or documents, we will tell you what we need:
- An original signed claim form.
- An original certified copy of the employee’s identity document.
- An original certified copy of the deceased’s death certificate.
- An original certified copy of the deceased’s identity document.
- A copy of the employee’s last payslip.
- Proof of banking details.
- An original certified copy of proof of the relationship of the deceased to the main member.
- A copy of the completed BI1663 report.
- If applicable, a copy of the Police Report from the South African Police Service.
- The nomination Beneficiary form.
Download the Hollard Group Risk claims form.
When cover for an insured will end
Cover for the main member ends when any of the following occurs:
- The main member’s employment with the employer ends, unless the main member remains covered under the paid-up benefit.
- Any conditions for eligibility are no longer met.
- Premiums are not paid, unless the main member remains covered under the paid-up benefit.
- The main member reaches the maximum cover age.
- The main member is temporarily absent from work for more than six months (or any extended period agreed to by us writing).
- The main member remains outside the Southern African region for more than 12 months (or any extended period agreed to by us in writing).
Cover for an insured ends when any of the following occurs:
- The main member’s cover under this policy ends.
- The spouse no longer meets the definition of spouse (if the insured is a spouse).
- The child no longer meets the definition of child (if the insured is a child).
- The insured other than the main member dies.
- The main member dies, unless the insureds remain covered under the paid-up benefit.
- The insured other than the main member reaches the maximum cover age.
- When all benefits for all insureds under this policy have been paid.