1. Funeral Cover Options

Lebowa Funeral Parlour offers Seven affordable family policy options to choose from.

2. Joining Fee

There is no joining fee applicable to any of the available options.

3. Covered Family Members

• Spouse

• Children under 21 years of age

• Extended family members (at an extra cost)

• Stillborn children are covered under the active policy.

• Children aged 22-25 years are covered if proof of school registration (student cover) is submitted annually.

4. Children with Disabilities

Children with mental or physical disabilities will remain covered under the active policy, regardless of age, subject to submission of a medical report.

5. Extended Coverage for Children

Children above 21 years will remain covered under the active policy at an extra cost, with no waiting period, if they are not students.

6. New-born Registration

Registration of new-born children must be done within one month after birth. Failure to submit the birth certificate within the required timeframe will result in a six-month waiting period.

7. Collections, Deliveries and Burial Transport

Services are provided within a 600km radius. A fee of R5.00 per kilometre will be charged for distances exceeding 600km.

8. Waiting Periods

• No waiting period for accidental death.

• Six months waiting period for death due to natural causes.

• Twelve-months waiting period for death due to suicide.

9. Claim Eligibility

• The policy premiums are in arrears.

• Death occurs within the waiting period.

• The insured was engaged in a criminal activity or an illegal activity at the time of death.

10. Late Claim Submissions

A claim should be submitted within six months of death.

12. Premium Payments

• All premiums must be paid in advance, on a monthly basis to keep the policy active.

• The policy will lapse after two months of non-payment.

13. Premium Escalation

An annual 2.5% premium escalation shall be implemented.

14. Ex-Spouse Coverage

The active policy will not cover an ex-spouse in case of divorce.

15. Policyholder Responsibility

It is the sole responsibility of the policyholder to submit any general information in case of changes.

16. Nomination of beneficiary

The registered spouse in the policy is the automatic beneficiary. In the event that no beneficiary has been nominated on the policy or where the nominated beneficiary predeceased the main life assured, the policy benefits will, in accordance with the law, be payable to the executor of the deceased estate.

Where a cash benefit is claimed, the following documents will be required for processing the claim

• Letter of Authority.

• Estate bank account details.

Where Lebowa Funeral Parlour is providing the funeral service, the above mentioned documents will not be required

17. Required Documents for Joining

• ID copies of adult members and of the extended members as well as children’s birth certificates.

• Marriage certificate or customary marriage letter.

18. Required Documents for Claiming

• Certified ID copy (ies) of the deceased and of the beneficiary.

• Certified death certificate and BI 1663.

• Police report for death due to unnatural causes.

• Policy card/booklet.

19. Benefit Payment

Benefits will be paid within 48 hours into the policyholder/
beneficiary’s bank account, provided all required documents are submitted.