Funeral cover, or funeral insurance is there to take care of the immediate and often urgent costs of a funeral. It's a type of insurance which pays out a lump sum amount in the event of death, to help cover the costs of a funeral so that family members do not have to struggle financially at this difficult time.

The costs of a funeral can vary depending on your needs. The right funeral policy will provide cover not just for you, but for your whole family including your life partner and children. You can also take funeral cover for up to 20 people: parents and extended family members. At Metropolitan you can choose cover from R5 000 up to R100 000 to cater for your specific needs. The Metropolitan Funeral Plan offers affordable funeral cover from as little as R40 a month.

The Metropolitan Funeral Plan offers you and your family peace of mind knowing that you’re covered for a dignified funeral. Here’s some of the benefits you get with a Metropolitan Funeral Plan:

Cover your children
Choose whether to cover your children for life or for a limited time, up to age 21.

We'll take care of your premiums if you can’t
Choose the Payment Protection benefits on death, disability and/or retirement and we'll cover the cost of your premiums when you become disabled, retire or pass away. A family member can take over the plan to ensure the plan continues.

Get some of your premiums back
Choose the CashBack benefit and get some of your money back by staying on track with your plan. We will give 12.5% of your premiums after the first 24 months, and then every 36 months thereafter. Ts & Cs apply. 

Transportation of the deceased's body (repatriation)
We'll cover the costs to transport the deceased person's body to the place of burial within South Africa. Ts & Cs apply.

Cover the rising cost of living (inflation)
Add the Value Protection benefit to your plan to keep up with the rising funeral costs.

Skip premiums in tough times
Even if you have to skip paying your premium when your finances are tight, having this benefit will ensure your plan still stays active.
 

We have developed a diverse service approach to ensure the claims process is easy and convenient when it matters most.

• Simply call 0860 724 724 and speak with one of our friendly agents.
• You can also submit your funeral claim on WhatsApp by sending “Claim” to 0860 724 724 to start the process. Our WhatsApp chatbot will guide you through the steps and help you identify the information needed for your claim.
• Our financial advisers and support staff at our branches are also standing by and are ready to help.

The Monthly Essentials benefit is an add-on benefit that pays a monthly payout of up to R3 000 for 6 or 12 months, depending on the cover you choose. You can claim and use the payout from the benefit to cover any household costs and other essential items after the death of an insured adult family member who contributed to your family’s income. 
Ts & Cs apply.

This add-on funeral plan benefit pays a lump sum amount of up to R20 000 to help you honour the memory of a loved one. You could use the money to pay for a tombstone and/or a memorial ceremony. You can choose to receive the money immediately or within 18 months after you’ve made the funeral claim. 
Ts & Cs apply.

To help make your funeral claim process as seamless as possible and ensure a fast payout, please include the following documents when submitting a funeral claim:

• Claim form, you can download this form via our web chatbot by clicking on the Chat with us button on the right and following the prompts.
• Proof of claimant’s banking details.
• Certified copy of the claimant’s ID.
• Certified copy of the deceased’s ID.
• Certified copy of the DHA 1663 form.
• Certified copy of the death certificate.
• Statement by police (unnatural death only).
• If there is no beneficiary listed, we will need an invoice from the funeral home.