(Abbreviated –  Full version on application form)

Constantiaberg Funeral Policies are underwritten by SAFRICAN Insurance Company, FSP No. 15123  – an Authorised Financial Services Provider.

The Insurer pays cash to cover funeral costs according to the cover amount (reduced scale for younger children) on the death of a person listed in the policy.  Payment can be made to any funeral director of the member’s choice, or to the beneficiaries.

‘Individual Member’ and ‘Member & Spouse’ policies do not include children. A ‘Single Parent’ policy includes the member and children up to 21 years old (25 for unmarried students). A ‘Family Plan’ includes the member, spouse and children (as described above). Other close relatives of the member or spouse may be included as “Extended Family” in the ‘Member plus Nine’ policy.

After the death of the Main Member, the surviving spouse can take out a new policy based on the original entry date (i.e. at the original age category for premium purposes) – individual or family.

Six months waiting period is applicable should death occur as a result of natural causes. Immediate cover for unnatural causes (accident).  12 months in the case of suicide.

The premium will be determined by the chosen policy option, cover amount, and age category of the Main Member.  Premiums will not increase when one moves into a higher age bracket.  However, this is a group scheme, and the Insurer may adjust premiums or benefits according to the claims experience of the group.

Premiums are payable monthly in advance to Constantiaberg Funeral Home – by Cash, EFT, Stop Order or Debit Order.   The member enjoys cover as long as premiums are paid.  The policy does not become ‘paid up’ and there is no savings component.  A grace period of 30 days is allowed; but If two premiums are missed, the policy will lapse and all premiums and benefits will be forfeited.

There is a 30 day “cooling off” period after the inception of the policy, during which time the member will be free to cancel the policy by advising us in writing, and be refunded premiums paid (less the risk portion).  The policy may be cancelled at any time by the Member or Safrican, by written notification.

Safrican (through Constantiaberg Funeral Home) will endeavor to settle a claim within 48 hours, from receipt of ALL claim documentation, provided all the claim procedure criteria have been met. They reserve the right to request further documentation or information as they may deem necessary to   accurately assess a claim. Claims need to be submitted within six months of death.