Funeral cover, side by side
The premiums, cover amounts, waiting periods, entry ages and claim pay-out times that South African insurers publish for their funeral plans, copied from each insurer's own page and linked back to it. Enter the cover you want and your age to see which published limits that falls inside. The table is in insurer order — we don't rank or recommend.
- 6 insurers
- 4 of 7 plans with published figures
- Cover, waiting periods and entry ages
- Last checked
Maximum cover for the main member
R30 000 cover, age 40.
Insurer order, not a ranking. Sort the table and the chart follows.
| Insurer | Plan | Premium from (a month) | Maximum cover, main member | Family cover | Waiting period, natural death | Waiting period, accident | Entry ages, main member | Claim paid within | Fits the cover entered | Fits the age entered | Notes | Source | Last checked |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AVBOB | AVBOB Cashback Funeral Cover | Data pending | R50 000 | Parents and extended family up to R30 000 each; children up to R30 000 (by age) | 6 months | None once the first premium is paid | Data pending | Data pending | Yes | Data pending | Whole-life policy. Accident benefit doubles the main insured's amount (max R20 000) for an accidental death before 60. Cash back of the fifth year's premiums after every five claim-free years. Premiums are by quote only - no premium table is published. | AVBOB Cashback Funeral Cover page | |
| Capitec | Capitec Funeral Plan | Data pending | Data pending | Data pending | Data pending | Data pending | Data pending | Data pending | Data pending | Data pending | capitecbank.co.za showed a Cloudflare bot check to every fetch on 2 Nov 2026, so nothing could be read off Capitec's own pages yet. | Capitec Funeral Plan page | |
| Clientele | Clientele Funeral Dignity Plan | R370 "From R370 p/m" - the age and cover it applies to are not stated | R50 000 | R154 000 family cover, up to 13 people on one plan | Data pending | Data pending | Data pending | 24 hours | Yes | Data pending | Total pay-out between R35 000 and R100 000 per the plan comparison. Double accidental death benefit for the main member. Grocery (R3 000) and unveiling (R2 000) benefits, R200 airtime on a claim. | Clientele Funeral Plans page | |
| Clientele | Clientele Ultimate Dignity Plan | R435 "From R435 p/m" - the age and cover it applies to are not stated | R50 000 | Up to R500 000 family cover, up to 13 people; 3 children at no extra cost | Data pending | Data pending | Data pending | 24 hours | Yes | Data pending | Total pay-out between R30 000 and R100 000. Pays back the deceased member's premiums with a valid death claim (premium payback has a six-month waiting period and excludes children), or half the premiums at 65 if taken before 50. | Clientele Funeral Plans page | |
| Hollard | Hollard Funeral Online | Data pending | R50 000 | Partner at the same amount; up to 5 children at 50% (max R20 000) at no extra premium; up to 4 parents | 6 months | None from the first premium | 18 to 75 | Data pending | Yes | Yes | Suicide or self-inflicted injury: 12-month waiting period. Premiums and cover increase automatically each year until 65. Premiums are by online quote only - no premium table is published. | Hollard Funeral Online page | |
| Old Mutual | Old Mutual funeral plans | Data pending | Data pending | Data pending | Data pending | Data pending | Data pending | Data pending | Data pending | Data pending | oldmutual.co.za returned HTTP 403 (access denied) to every fetch on 2 Nov 2026, including the plan-range page and the Care Funeral Plan PDF, so nothing could be read off Old Mutual's own pages yet. | Old Mutual funeral plan range | |
| Sanlam | Sanlam funeral cover | Data pending | Data pending | Data pending | Data pending | Data pending | Data pending | Data pending | Data pending | Data pending | sanlam.co.za funeral pages now redirect to sanlamonline.co.za, which returned HTTP 403 (CloudFront) to every fetch on 2 Nov 2026, so nothing could be read off Sanlam's own pages yet. | Sanlam online funeral cover |
Premiums are monthly and are what the insurer advertises as a starting price — the age and cover a "from" price applies to is usually not stated, and most insurers publish no premium table at all, so your premium depends on a quote. "Maximum cover" is the largest amount for the main member the insurer states; "Waiting period" is for death from natural causes. "Fits the cover entered" and "Fits the age entered" only compare your figures with those published limits. Click a heading to sort; click again to reverse, a third time for insurer order.
How to read the table
- A waiting period is the time before a natural death is covered - a death in that period is not paid out. Accidental death is usually covered from the first premium.
- The waiting period can be waived if you switch - several insurers credit the time already served on a policy you are replacing, for the same cover.
- Children's cover is capped by law - the amount paid for a young child is limited, whatever cover amount the plan has.
- Premiums and cover often rise every year - check the annual increase in the policy terms, not only the starting premium.
- A figure we could not read off the insurer's own page shows "Data pending" - we leave it blank rather than guess.
Facts, not advice. This is published product information shown side by side. Plans differ in who they cover, what they exclude and how premiums change over time, and a lower premium or a shorter waiting period does not make a plan the right one. MaxWealth does not rank, recommend or sell any funeral plan, and is not paid by any insurer. Read the insurer's policy terms before you buy.