Plain-language policy summary
Everything you need to know about your funeral cover — in one place.
Coverage Overview
We offer two types of coverage to meet different family needs:
Family Plan (R120/month)
Covers: Main member + Spouse + Up to 3 children under 21
Maximum 5 people total
Standard Plans (Bronze, Silver, Gold, Platinum, Diamond)
Covers: 1 main member + 9 family members
Maximum 10 people total
Premiums range from R250 to R450/month depending on service level
All plans provide comprehensive funeral services. Higher-tier plans include premium items like better coffins, more family cars, additional chairs and tables, and groceries benefit (Platinum & Diamond only).
What's Included in Your Plan
All plans include essential funeral services. The difference is in the quality and quantity of items:
Family
R120/monthMain Member + Spouse + Up to 3 Children (Under 21)
+ 8 more items
Bronze
R250/month1 Main Member + 9 Family Members
+ 8 more items
Silver
R300/month1 Main Member + 9 Family Members
+ 8 more items
Gold
R350/month1 Main Member + 9 Family Members
+ 8 more items
Platinum
R400/month1 Main Member + 9 Family Members
+ 9 more items
✓ Includes Groceries Benefit
Diamond
R450/month1 Main Member + 9 Family Members
+ 9 more items
✓ Includes Groceries Benefit
View complete package details on our Packages page
Groceries Benefit (Platinum & Diamond Only)
Platinum and Diamond plans include a groceries benefit to help support your family during the difficult time after a loss.
What's included:
The groceries are delivered as part of your funeral service package.
Optional Add-Ons
You can enhance your cover with optional add-ons. These benefits apply per claim (each time a covered member passes away). Add-ons are available for all base plans.
Top-Up Bonus
+R20/monthAdditional support when you need it most
- • R1,000 grocery voucher per claim
- • R300 airtime per claim
Nkomo
+R200/monthTraditional funeral support
- • R10,000 cash per claim
- • Supports traditional funeral costs
- • Honors cultural practices
Tombstone
+R200/monthMemorial stone or cash value
- • R10,000 value per claim
- • Option 1: We erect tombstone for you
- • Option 2: Buy tombstone from us (R10k value)
- • Option 3: Take R10,000 cash
Example: Full Coverage
Platinum Plan (R400) + Top-Up Bonus (R20) + Nkomo (R200) + Tombstone (R200) = R820/month total
Per claim you would receive: Full Platinum funeral service + R1,000 groceries + R300 airtime + R10,000 Nkomo cash + R10,000 tombstone value = Comprehensive support
Add-ons can be added at sign-up or to existing policies. Contact us to add them to your current plan.
Who Qualifies as a Family Member
To prevent claim rejections, ensure all covered members meet these requirements:
Main Member (You)
Policy owner, must be 18+ years old
Spouse/Partner
Legally married spouse or life partner living with you
Children
Biological, step, or legally adopted children (covered until age 21, or 25 if full-time student)
Parents/Parents-in-law
Must be financially dependent on you (Standard plans only)
Extended Family
Siblings, grandparents, aunts, uncles - must be blood-related AND financially dependent on you (Standard plans only)
Important:
Family Plan covers immediate family only (main member + spouse + up to 3 children). Standard Plans (Bronze-Diamond) can include extended family members who are financially dependent.
Waiting Periods
Natural death: 6-month waiting period
If a member passes away from natural causes within the first 6 months, premiums will be refunded but no funeral benefit is paid.
Accidental death: No waiting period
Full benefit paid from day one for death due to accidents.
Suicide: 12-month exclusion period
No benefit paid for suicide within first 12 months. Premiums refunded.
Switching from another insurer? If you've completed waiting periods with your previous insurer, these waiting periods are waived. Proof required.
Maximum Cover Amounts
Funeral policies in South Africa are capped at R100,000 per person (adjusted annually for inflation).
Current maximum as of 2025: Approximately R130,000
Child Cover Legal Limits:
South African law limits the total payout for children across all policies:
| Under 6 months | R7,500 |
| 6 months to 5 years | R15,000 |
| 6 to 13 years | R30,000 |
| 14 years and older | Full cover amount |
These limits apply across ALL funeral policies a child may be covered under, from all insurers combined.
Age Restrictions
Entry age: 0 to 83 years old at time of application
Children: Automatically covered from birth until age 21 (or 25 if full-time student)
Once accepted, cover continues for life regardless of age, as long as premiums are paid.
Repatriation Service
All plans include repatriation service to transport the deceased to their home area for burial.
Coverage includes:
- • Transportation within South Africa
- • Body preparation for transport
- • Required documentation and permits
- • Coordination with local authorities
Distance limits and specific terms apply. Contact us for details about your specific situation.
Premium Payment & Grace Period
If you miss a premium payment, you have a 31-day grace period to pay without losing cover. After 31 days, the policy lapses and waiting periods apply again if reinstated.
Contact us immediately if you're having trouble paying - we may be able to help.
Premium Increases
Premiums may increase annually in line with inflation. You will receive at least 31 days' notice before any premium increase takes effect.
Exclusions
Benefits will not be paid if death results from:
- • Suicide within first 12 months of policy start
- • Death during commission of criminal activity
- • War, civil unrest, or terrorism
- • Misrepresentation or non-disclosure of material facts
- • Death occurring outside South Africa for more than 60 consecutive days without prior approval
Premiums paid during waiting periods are refunded if a valid claim cannot be made.
How to Submit a Claim
Required Documents:
- • Death certificate (original or certified copy)
- • ID copy of deceased person
- • ID copy of claimant
- • Proof of banking details for payout
- • Completed claim form
How to Claim:
- • WhatsApp: 068 305 2513
- • Call: 084 011 4515 (Primary)
- • Email: info@ubfuneralservices.co.za
- • Visit any of our branches
Timeline:
Valid claims are processed within 48 hours of receiving all required documents.
Already Have Funeral Cover?
You can have multiple funeral policies, but be aware:
- • Each insurer will pay their portion (not duplicate full amounts)
- • Child cover limits apply across ALL policies combined
- • You may be over-insured and paying unnecessary premiums
Switching from another insurer? Tell us - your waiting periods may be waived.
When Someone Passes Away
We're here to support you 24/7. Here's what to do:
- Step 1Call Us Immediately
24/7 emergency line: 010 335 1819
- Step 2We'll Guide You
Our team will explain next steps
- Step 3Collection & Care
We handle collection and preparation
- Step 4Arrangements
Plan service according to your wishes
24/7 Emergency Contact:
Call: 084 011 4515 (Primary)
WhatsApp: 068 305 2513
Email: info@ubfuneralservices.co.za
Cancelling Your Policy
You may cancel your policy at any time by giving us written notice. No refund is due for the current month's premium already paid.
Cooling-Off Period
You have 31 days from the policy start date to cancel and receive a full refund of premiums paid, provided no claim has been made.
Privacy & Personal Information
We collect and process your personal information in accordance with the Protection of Personal Information Act (POPIA).
We use your information to:
- • Administer your policy and process claims
- • Verify identities and prevent fraud
- • Comply with legal and regulatory requirements
- • Communicate with you about your policy
Your information is kept confidential and secure. You have the right to access, correct, or delete your personal information.
Contact Us & Complaints
UB Funeral Services
FSP 50303
Email: info@ubfuneralservices.co.za
Phone (Primary): 084 011 4515
WhatsApp: 068 305 2513
Have a complaint?
If you're not satisfied with our service, please contact us first. If we can't resolve your complaint, you may contact:
FAIS Ombud
Phone: 012 470 9080 / 012 762 5000
Email: info@faisombud.co.za
Website: www.faisombud.co.za
Underwriters
Your policy is underwritten by licensed insurers:
- RMA
Licensed Insurer - Safrican
Licensed Insurer