What is funeral insurance?

A funeral policy is a type of insurance that provides a lump sum payment to assist with funeral expenses. Upon the death of the policyholder or a covered family member, the benefit is paid to the designated beneficiary, usually a family member, to help cover burial expenses.

What is group funeral insurance?

Group funeral cover is offered to companies and forms part of the employer’s employee benefits structure. In the event of the employee’s or an immediate family member’s death, benefits will be paid to beneficiaries to assist the surviving family members with funeral costs.

Why do I need funeral insurance?

Funerals are expensive. Expenses for transport, funeral services, burial, and catering can quickly add up when arranging a dignified funeral for a loved one. In many cases, families may need to take out a loan from relatives or dip into their savings to pay for these expenses. Funeral insurance offers a single lump sum payout, enabling families to cover all necessary costs related to the funeral.

How much does a funeral cost in South Africa?

Funeral expenses cost South Africans, on average, between R30,000 and R80,000. Funeral extras like flowers, food, and tombstones are not included in this cost. In most cases, cremations are less expensive than burials.

How do I or a loved one claim?

You can claim through your employer by contacting the HR department, alternatively, you can call us on 0861 493 587 or email us at funeralclaims@kaelo.co.za. Claims must be reported within six (6) months after the death of any Policy Member.

Where can I access the claim form?

From your HR department.

How soon is payment made?

Kaelo will pay out the cover amount within 48 hours of claim approval, provided all requisite documentation is received.

Who is covered on this policy?

The policy covers the main member, up to two (2) spouses and up to six (6) children only. Your employer decides on whether your policy covers you, or you and your spouse and children.

What are the age limits on the policy?

What documents need to be submitted when claiming?

What happens if I leave my employer?

This policy will end if you leave your employer, turn age 71 or unfortunately, pass away while still employed.

Do I need to update my details every year?

No, we will get the latest data directly from your employer, so there will be no need for you to update any of your details with us.

How will I provide you with beneficiary information?

When your employer signs up, you will receive a welcome letter sent directly to your cellphone or email. You will also receive a Benefit Schedule together with a Disclosure Notice. After a few days, the beneficiary nomination link will be sent to you via our WhatsApp chatbot. Once you click on the link, it will redirect you to a landing page where you can input your beneficiary details.

Can I change my beneficiary at any time?

Yes, you can. You will have access to our WhatsApp chatbot number where you can change your beneficiary details at any time.

Who is your underwriter?

The Kaelo Group Funeral Plan is a long term insurance policy underwritten by Guardrisk Life Limited.

Why should I invest in group funeral cover for my employees?

In many families, your employees are the primary breadwinners, and their dependents could face financial hardship in the event of a tragedy. As an employer, there is a perception that you possess a moral responsibility to support their families during such times.

A significant portion of your workforce likely lacks funeral insurance or has insufficient coverage. Group insurance offers a more affordable alternative compared to individual policies your employees might purchase on their own. By securing coverage at a lower rate—even if the cost is passed on to employees—you can provide them with substantial savings and valuable financial protection.

How much will Group Cover cost?

In most cases, coverage is far less expensive than what your employees might obtain on their own.
Speak to your Financial Advisor who can assist in providing a quotation for Kaelo Group Funeral for your employees.

How soon are my employees covered and what are the waiting periods?

Upon signing up, cover will start on the first of the month and your first premium will only be due at month-end, which means cover is immediately provided even though you haven’t paid a premium.
There are no waiting periods.

What information is required for a quote?

All we require is the following information:
• Gender
• Date of birth (ID/Passport)
• Salary (Band/Range)
• Industry Category
• Your preferred cover option (cover amount and main member/immediate family cover)

Should I choose to change from our existing group funeral provider to Kaelo Group Funeral, what is the process that would be followed?

There will be no administrative tasks required from you. We will contact our underwriter to notify them about the existing plan and obtain approval for the communications that will be sent to each individual member. The transfer will be seamless for employees and will not involve any waiting period.

What are the cover options available?

Step 1: Choose if cover is for Main Member only or Family
Step 2: Choose the level of cover for main Member.

If the Family option is selected, the cover value for family members is determined based on the cover value chosen for the Main Member.