What funeral cover actually pays for, and what it does not

A funeral policy pays a fixed lump sum to the person you nominate, usually within days of a valid claim. It does not pay bills directly, does not pay a monthly income, and does not check how the money is spent. This guide lists what a typical R30 000 covers, which add-ons pay extra, and the common exclusions families discover too late.

This guide is being expanded. The summary above is complete and correct as at September 2026.