FAQs
Find answers to common questions about our funeral plans, claims process, memberships, documents, and funeral services. We are here to provide clarity, support and peace of mind when you need it most.
Funeral cover is a type of insurance that helps pay for funeral and burial expenses when a covered member passes away.
This policy is underwritten by Royal Financial Services and marketed by Royal Funeral Group.
The policy can cover the policyholder, spouse, children, parents, parents-in-law and extended members.
An insurable interest means the policyholder must have a valid family or financial relationship with the person being insured.
Your cover starts once the insurer receives your first premium payment.
Funeral cover helps reduce financial pressure on families by providing support and benefits during difficult times.
The standard waiting period is six months for natural death claims.
No. Natural death claims are subject to the applicable waiting period.
Accidental death claims are covered immediately after the first premium payment has been received.
No. Once the first premium has been paid, accidental death cover becomes active immediately.
Will a waiting period apply after reinstatement?
Yes. Replacement members are treated as new joiners and waiting periods may apply.
Premiums can be paid via EFT, Debit Order, Easypay and Pay@.
Yes. An SMS confirmation is sent after payment has been received.
Missing premiums may cause your policy to lapse or terminate depending on the number of missed payments.
A lapsed policy may still be reinstated, while a terminated policy requires a new application.
Yes. Policies may generally be reinstated within the allowed reinstatement period.
Premiums and benefits are guaranteed for the first 12 months and may thereafter be reviewed annually.
Required documents may include a claim form, death certificate, certified IDs, banking details and supporting documents where applicable.
Valid claims are paid within 48 hours after all required documentation has been received.
Claims may be submitted through Royal Funeral Group’s approved claims channels.
Yes. Royal’s team assists families through the claims process and required documentation.
Yes. Royal Funeral Group assists clients through its branch network and support channels.
Yes. Royal Funeral Group provides funeral support services and assistance when a death occurs. Contact the emergency assistance line immediately for guidance and body collection arrangements.
Entry ages vary depending on the selected funeral plan.
No. Newborn children must be added to the policy within the prescribed period.
Yes. Dependants over the qualifying age may request removal in writing.
Yes. Replacement members may be added subject to policy rules and waiting periods.
Yes. Your spouse or nominated beneficiary may continue the policy subject to policy requirements.
Yes. Selected plans allow cover for qualifying extended family members.
Yes. Royal Funeral Group provides support for qualifying cross-border and SADC funeral arrangements. Contact your nearest branch for assistance.
Selected plans include funeral transport and related funeral support services.
Selected plans include grocery benefits to assist families during funeral arrangements.
Royal Funeral Group may assist with transportation and repatriation services where applicable. Contact your nearest branch for more information.
Selected plans include funeral support benefits such as programmes, décor and funeral assistance services.
Yes. Royal Funeral Group provides practical funeral support and assistance to qualifying members and beneficiaries.
Yes. Policyholders may cancel their policies by providing written notice.
Refunds are considered according to policy terms and conditions.
The cooling-off period allows policyholders to cancel within the prescribed period after policy inception.
Your personal information is processed and protected in accordance with South African privacy legislation.
Complaints can be submitted through Royal Funeral Group’s official complaints channels.
Clients may contact Royal Funeral Group, Royal Financial Services, the FAIS Ombud or the National Financial Ombud Scheme South Africa.