What are you waiting for?

We don’t make you wait for your funeral benefits. You get full payout as soon as your claim has been approved.

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Why choose Virgin Money Funeral Cover
Comprehensive family funeral insurance cover

Comprehensive cover for you and your family

Choose the amount of cover for you and your nominated spouse from R10,000 to R100,000.

Member and nominated spouse are covered up to R100k, all others (up to 23 in addition to the main member and spouse, will be covered for up to R50k, 50% of the main member sum assured) Not bad hey?

All funeral insurance cover benefits

Plenty of benefits at no extra cost

On top of the amount you choose to cover, you get extra help to pay expenses like groceries, memorial, airtime and repatriation at no extra cost to you.

There’s also a double payout for you and your nominated spouse in case of accidental death.

Emergency helpline for funeral cover

24/7 emergency helplines to assist you when you need it

You and your family get 24/7 access to emergency medical, legal, HIV and crime helplines to assist you whenever you need it, not just for when a funeral needs to be organised.

48hr payout funeral cover

48hr payout and your own claims person

Get your claims sorted quickly and easily with your own claims person. Claims will be paid within 48hrs after we receive the documents and your claim is approved.

You are the best! I obtained a policy with peace of mind...I'm a pensioner that got a masive deal from you, thank you!

- 7 July 2017

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Benefits and features

48hr payout

Once we receive your documentation, all approved claims will be paid within 48hrs. Your own claims person will help you get paid quickly and easily.

Double payout

To help with your costs, we’ll pay you a double benefit if the claim is a result of an accident. This applies to both the main member and nominated spouse.

Cover up to R100,000

You can get cover up to R100,000 (each) for the main member and spouse and up to R50,000 (each) for other family members.

Family cover

Protect up to 24 additional members; including your spouse, children, parents and extended family as well as one domestic worker as most of the time, they’re like family too.

Groceries R6,000

This benefit will be paid out in a lump sum, once all the necessary documentation is received, and your claim is approved. This applies to the main member and their nominated spouse.

Airtime R1,000

To help your family make funeral arrangements, we’ll give you a voucher once your claim is approved. This will be available to the main member and their nominated spouse.

Memorial R5,000

We’ll pay out for a memorial or tombstone. This benefit will be paid as a lump sum, once all the necessary documentation is received and the claim is approved. This applies to all insured members 14 years or older.

Repatriation R10,000

Includes relocation of the body, overnight accommodation for the next-of-kin up to R500 and assistance services. Covers all insured members up to R10,000 per policy, per year, within the borders of South Africa.

This is an outline of the main benefits of the policy. For a full list of benefits and exclusion please call 0861 50 60 70. Terms and conditions apply. If there are any discrepancies between the website and the policy document issued, the policy document will prevail.

24/7 assistance helplines

Your funeral policy comes with free medical, legal, crime and HIV assistance helplines that you can use at any time, not only when you are dealing with a loss in your family.

Available free to you:

  • Medical advice and information
  • Emergency telephonic advice and information, 24/7
  • Referrals to crisis lines
  • Referrals to medical practitioners and facilities

We can arrange the following, at an extra cost:

  • Emergency medical response to the scene of an incident
  • Emergency medical transport to the nearest appropriate medical facility
  • Inter-hospital transfers
  • Escorted return of minors
  • Compassionate visits
  • Medical repatriation
  • Repatriation of mortal remains


  • 24hr legal advice This always comes in handy. We provide you and your immediate family with ongoing legal advice on any aspect of the law like criminal law, family law, constitutional law, child law and labour law.

  • 30-min free consultationHow does this work? You get a free initial 30-minute consultation if you have a matter that requires legal action. You will be referred to a lawyer who is part of our national network.

  • Free standard legal documentsWe can provide you with standard purchase, sale, lease, prenuptial agreements and employment contracts to mention a few, for mahala. We can also give you advice on how to use each of these documents and the procedures and principles that apply.

This is a 24hr hotline that can help you in the event of a hijacking or a home invasion, for instance:

  • If your cell phone is stolen in a hijacking, we’ll give you with a cell phone loaded with R100 pre-paid airtime.
  • If your vehicle is hijacked, we’ll give you a group B car for 48hrs to keep you mobile.
  • If your credit card is stolen, we’ll give you a debit card pre-loaded with R500.
  • If your keys are stolen in a hijacking, we’ll send a locksmith to your house to change the locks, up to the value of R1,000 a year.
  • If you are hijacked at your home, we’ll place a security guard at your house for 24hrs.
  • If your home is invaded, we will place a security guard at your house for 24hrs.
  • If your home is invaded, we will book you into a hotel, to the value of R2,000 a year.
  • We’ll also provide you with counselling by trained medical professionals, to the value of R20,000 per family, per event to help you through the healing process.


The HIV protection treatment service ensures confidential testing and treatment with the vital 72hr window period, and is available to you 24hrs a day. It includes:

  • Free access to STD-preventative medication
  • Free access to anti-retroviral or prophylactic therapy
  • Free access to the “morning-after pill”
  • Free 28-day post-exposure prophylaxis, if needed
  • 3 HIV-blood tests, the first immediately after the incident and the second and third at 6 weeks and 3 months respectively.
  • 24hr access to trauma counsellors, providing telephonic trauma counselling as well as counselling for post-traumatic stress disorder.
  • 3 HIV related trauma consultations with a specialist, who can be a general practitioner, trauma-trained registered nurse or trauma counsellor.

Get a quote

Do you want to find out how much insurance would cost? Get an instant quote online.

or get a call back

Frequently asked questions

Have questions? Give us a call to 0861 50 60 70 and we’ll be happy to help.

  • Funeral benefit
  • Double accidental death benefit (main member and nominated spouse only)
  • Grocery benefit (main member and nominated spouse only)
  • Memorial/tombstone benefit (insured members 14 years or older)
  • Repatriation benefit (covers all insured members up to a limit of R10,000 per policy per year)
  • Emergency medical assist
  • Legal assist
  • Crime assist
  • HIV assist
  • Funeral communication benefit (airtime vouchers – main member and nominated spouse only)


Any person aged 18-70, who has a South African ID.  Extended family may be added, up to the age of 75.

You can add up to 25 members (including yourself) onto your funeral policy. 

In the name of the main member (policyholder).

You are covered for accidental death from the date we receive your first premium (payment).

You are covered for death due to natural causes after 6 months for immediate family, and after 12 months for extended family members.

There is a 24-month suicide and self-inflicted injury clause.

This policy does not cover the death of an insured person by suicide, or intentional or grossly negligent self-inflicted injury within 2 (two) years from the start date of this policy.

We will not admit a claim that arises directly or indirectly from an insured person participating in any of the following:

  • War, terrorist activity, rebellion, civil unrest or riot.
  • Wilful and deliberate breaking of any criminal law that accelerates or increases the risk that an insured person might die.

We will also not admit a claim that arises directly or indirectly from:

  • A nuclear event
  • Biological or chemical warfare

For a full list of exclusions, call us on 0861 50 60 70.


  • As long as you live, and are still paying your premiums
  • As long as all premiums are up to date; or
  • Until you cancel the policy.


Call us on 0861 50 60 70 and we’ll happily walk you through the claims process.

Yes. The main member (policyholder) nominates who receives the benefit in the event of them passing away. The main member receives the benefits if any of the other insured family members die.

The main member (policyholder) is paid out if one of the insured members dies. If it’s the main member who passed away, the payout goes to a beneficiary who was nominated by the main member. We will always pay the nominated beneficiary on the policy.

Just give us a call on 0861 50 60 70 or email and we will change this with no hassle to you.

We will pay out within 48hrs of receiving all the necessary documents and once your claim has been approved (i.e. death certificate, IDs and banking details).

An amount ranging from R10,000 to R100,000 is paid out, depending on the amount of cover chosen, in the event of a death due to natural causes or an accident.  The benefit will be doubled should the main member or nominated spouse die as the result of an accident.

There is no limit on the number of policies held, but the maximum accumulated benefit payable per insured person is R100,000 for death by natural causes, or R200,000 for an accidental death.

Yes, any time. The more updated your information is, the easier it is for us to make sure your insurance is perfect for you.

You, your spouse(s), mother, father, parents-in-law, children, aunt, uncle, niece, nephew, brother, sister, brother-in-law, sister-in-law, grandchildren and one domestic worker.

We understand this is not something you want to worry about. So you can cover up to 4 children automatically in the ‘family’ & ‘member and kids’ funeral plans and add a further 5 children for an extra charge per child – providing cover for up to 9 children on your funeral plan.

Yes, but remember, there is a waiting period should your loved one pass away as a result of natural causes.

No, there are no medical questions. Acceptance is guaranteed for all human beings. 

Sure thing, but you need to notify us within 3 months so that we can add the child to your policy. If the child is added at a later stage, a waiting period for natural death will be applied.

The child will be taken off the family funeral plan and needs to purchase their own policy, unless they are a full time student or mentally or physically disabled. If they’re a full-time student, they can stay on your policy as a child member up until the age of 25. If they are physically or mentally disabled, they can still be covered on your policy after reaching the age of 25, as an extended family member. 

We cover you no matter what. If you are the main member, your family has the option to continue it. This means your spouse (or if there is no spouse, the oldest family member over the age of 18) has the option to become the main member and continue cover by informing us. In this instance, no new waiting periods will apply. However, the balance of any original waiting periods will apply. This option to continue the policy is valid for a period of 3 months after the death of the main member and we will inform the new main member of the monthly premium to continue the cover

Not to worry. We will just do a double debit on the first working day of the next month.

Yes, there is a 1-month grace period, but your policy will be cancelled if you miss 2 premiums in a row.

Yes. When this happens, a new policy will be issued to you and a new set of waiting periods will apply.

By all means, at any time. It will be cancelled from the 1st of the following month. 

Help for existing customers

Customer services

Call the number below to talk to your people person about buying a policy now or update your details.

0861 50 60 70

Mon – Fri: 8am to 8pm
Sat: 8am – 2pm

Make a claim

You can make a claim at any time of the day. Your own claims person will get things sorted as quickly as possible.

0861 50 60 70

Open at all times for new claims

Emergency assistance

Your safety always comes first. In life-threatening situations like hijacking, home invasion or a medical emergency, call this number and we’ll assist you immediately.

0861 86 72 33

Open at all times

> Go to the funeral cover claims page for more

Funeral cover guides and tools

How much cover do you need? Are you paying more than you should? Find out with our online guides and tools.

Home Contents Calculator

Funeral calculator

How much home contents cover do you need? Find out with our free online tool

Funeral plans 101

Funeral plans 101

Funeral plan basics: when will you be paid out; how many family members can you cover with funeral insurance? Read Virgin Money’s guide.

Funeral cover - what to do when

Funeral cover - what to do when

Funeral Insurance: What to do when you need to organise a funeral. Read Virgin Money’s guide.

There are even more guides and tools in our help section. Check them out.

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