Get a flexible funeral plan to suit your needs

Life insurance is designed to pay out a large amount of money to take care of your loved ones, in the event of death.  This payout can go towards a home, ongoing living expenses and even education. Life insurance can also include cover that pays out if you become critically ill.

A funeral plan typically pays out a smaller amount of money than life insurance. That is because funeral cover is designed to take care of the costs associated with a funeral alone. 

If your children are covered under your policy, regardless of their age, i.e. even after they've turned 21. 

Without funeral cover, your family may face financial hardship after your passing. They may need to rely on savings, taking out a loan or may need to seek financial assistance from relatives or friends. This may create additional stress and financial hardship, potentially affecting their ability to cope with the loss.

At OUTsurance, you can choose how much funeral cover you want, and you can change this amount as often as you need. Please note that waiting periods will apply. We offer funeral cover from R30 000 to R100 000.

If you are the main life OUTsured (the policy is in your name) and you pass away, then we will pay out the claim on the policy to your nominated beneficiary. If anyone else covered under your policy passes away, the benefit will be paid out to you. 

You can select the following additional benefits to add to your cover. 

A stillborn benefit: We will pay out R5000 in the event of a stillborn child after 26 weeks of pregnancy. The mother of the stillborn child has to be either the main life insured or the spouse covered on your funeral plan.

Premium waiver benefit: If the main life insured passes away and a valid claim is paid, cover for all persons on the OUTsurance funeral policy will continue for three months before the policy is cancelled and no premiums will need to be paid during this period.

Repatriation benefit: The transportation within South Africa of the deceased to a funeral home chosen by the family, where the chosen funeral home is more than 100km from the place of death.

In addition to the main insured person (yourself), you can also add your spouse, your parents, parents-in-law, and your extended family (i.e. the main insured's brothers and sisters, your brother's spouse, sister's spouse, your grandparents and grandchildren, your aunts and uncles, first cousins, nieces and nephews; as well as your children's spouses. Please refer to the funeral policy wording for a detailed breakdown of who you can cover under the main insured person's policy. 

Keep in mind that if you choose to take out funeral cover with OUTsurance that you, as the main life insured, need to have a valid South African ID number. You also need to make sure that the family members listed on your policy are South African citizens. They must also live in South Africa for at least 6 months in any 12-month period.

The major benefit of funeral cover is that it gives you the reassurance that, regardless of your circumstances at the time of a loved one’s death, the majority of the funeral costs will be taken care of. 

Once a valid funeral claim is paid out, you will be able to take care of any funeral planning and making the necessary arrangements without having to worry about having enough money at your disposal to cover all the funeral costs. 

No. All the people covered on your policy need to be South African citizens and live in South Africa for a minimum of six months in any 12-month period. The main life OUTsured must have a valid South African ID number.  

Yes, your premium will increase once a year by 5% on the anniversary date of your policy. 

If you've selected the repatriation benefits, we will also cover the transportation of the deceased to the funeral home chosen by the family, closest to the place of burial. This benefit is available if the place of death is in South Africa and where the chosen funeral home is more than 100km away from the place of death. Transport is provided to the destinations within South Africa and up to Lesotho, Swaziland, Zimbabwe, Namibia, Botswana or Mozambique.