Funeral and accidental death income benefits
Who can be covered for the funeral benefits
If the policyholder and the main insured person are the same person
The following relationships to the main insured person are eligible to be covered for the funeral benefits:
- Partner
- Children
- Additional children
- Parents
- Extended family
What are the benefits
If an insured dies during the period of insurance, we will pay the benefit as set out in the policy schedule as a lump sum.
- Funeral benefit: This benefit covers the main insured person and a still-born child only.The main insured person must be 18 years or older, but under the age of 76 years as at the benefit start date.We will cover a maximum of one still-born child for any 12 month period, regardless of whether the main insured person is male or female.A stillborn child is a child that showed no sign of life at birth after 28 weeks of pregnancy, but not because of a wilful abortion.
- ▶ Accidental Death Income benefit: This benefit covers the main insured person only.The main insured person must be 18 years or older, but under the age of 76 years as at the benefit start date.If the main insured person dies because of an accident during the period of insurance, we will pay the benefit as set out in the policy schedule as a lump sum paid in equal instalments over a period of 12 months
This benefit covers the partner of the main insured person.
▶ The main insured person must be covered under the Individual funeral benefit.
▶ You can choose to cover the partner if you pay the additional benefit premium.
▶ The partner must be 18 years or older, but under the age of 76 years as at the benefit start date.
- We will cover a maximum of one partner at any one time.
This benefit covers the children of the main insured person.
▶ The main insured person must be covered under the Individual funeral benefit.
▶ You can choose to cover the children if you pay the additional benefit premium.
▶ A child must be younger than 21 years of age as at the benefit start date.
▶ We will cover a maximum of five children during the entire period of insurance.
▶ If five children are covered on the Children funeral benefit and a child’s cover ends, you may not add another child to the Children funeral benefit. You must choose the Additional children funeral benefit and pay the extra benefit premium.
- Additional children funeral benefit This benefit covers additional children of the main insured person.
▶ The main insured person must be covered under the Individual funeral benefit.
▶ The maximum of five children must be covered under the Children funeral benefit.
▶ You can choose to cover additional children if you pay the additional benefit premium per child.
▶ A child must be younger than 21 years of age as at the benefit start date.
▶ We will cover a maximum of five additional children.
- Parents funeral benefit This benefit covers the parents of the main insured person.
▶ The main insured person must be covered under the Individual funeral benefit.
▶ You can choose to cover parents if you pay the additional benefit premium for each parent.
▶ The parent must be 18 years or older, but under the age of 76 years as at the benefit start date.
▶ We will cover a maximum of four parents.
- Extended family funeral benefit This benefit covers the extended family members of the main insured person.
▶ The main insured person must be covered under the Individual funeral benefit.
▶ You can choose to cover extended family members if you pay the additional benefit premium per extended family member.
▶ The extended family member must be:
» 21 years or older but under the age of 76 years at the benefit start date if he is an adult; or
» Under the age of 21 years old at the benefit start date if he is a child.
» We will cover a maximum of eight extended family members.
This benefit covers the parents of the main insured person.
▶ The main insured person must be covered under the Individual funeral benefit.
▶ You can choose to cover parents if you pay the additional benefit premium for each parent.
▶ The parent must be 18 years or older, but under the age of 76 years as at the benefit start date.
▶ We will cover a maximum of four parents.
This benefit covers the extended family members of the main insured person.
▶ The main insured person must be covered under the Individual funeral benefit.
▶ You can choose to cover extended family members if you pay the additional benefit premium per extended family member.
▶ The extended family member must be:
» 21 years or older but under the age of 76 years at the benefit start date if he is an adult; or
» Under the age of 21 years old at the benefit start date if he is a child.
» We will cover a maximum of eight extended family members.