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Funeral Benefit

Funeral benefit

The funeral benefit will help pay for funeral expenses in the event of a death.

Base option

We will pay the following amounts for you and your family, if they are included on your membership, if the cause of death is as a result of natural causes:

You, your spouse and children over 14 = R10 000
Children between 6 and 13 = R5 000
Children between 1 and 5 = R2 500
Children under 1 = R1 250
Stillborn babies past 28 weeks gestation = R750

We will pay the following amounts for you and your family, if they are included on your membership, if the cause of death is as a result of unnatural causes:

You, your spouse and children over 14 = R20 000
Children between 6 and 13 = R10 000
Children between 1 and 5 = R5 000
Children under 1 = R2 500
Stillborn babies past 28 weeks gestation = R1 500

Standard option

We will pay the following amounts for you and your family, if they are included on your membership, if the cause of death is as a result of natural causes:

You, your spouse and children over 14 = R15 000
Children between 6 and 13 = R7 500
Children between 1 and 5 = R3 750
Children under 1 = R1 875
Stillborn babies past 28 weeks gestation = R1 125

We will pay the following amounts for you and your family, if they are included on your membership, if the cause of death is as a result of unnatural causes:

You, your spouse and children over 14 = R30 000
Children between 6 and 13 = R15 000
Children between 1 and 5 = R7 500
Children under 1 = R3 750
Stillborn babies past 28 weeks gestation = R2 250
The funeral benefit will help pay for the funeral expenses in the event that you, your spouse or one of your children passes away, if you have this benefit. The funeral benefit also includes a repatriation benefit, should you or your family, if they are included on your membership, pass away within South Africa or the neighboring countries, Botswana, Lesotho, Mozambique, Namibia, Swaziland or Zimbabwe, more than 100kms from your normal place of residence.
You will need to call Europ Assistance on 0860 00 42 98 for assistance with repatriation of mortal remains. If you pass away, the funeral benefit will be paid to your spouse or to the person responsible for making your funeral arrangements. If your spouse or one of your children passes away, the funeral benefit will be paid to you.

Funeral benefit claims have to be submitted within four months of the claim event date (the date of death). If you do not submit your claim within four months of the claim event date, your claim will be rejected.

Please check on your Health4Me membership certificate if you and your family (if included) have the funeral benefit.

Important definition

Stillborn child shall mean a child whose death occurs after the 28th week of pregnancy but before a live delivery.

Documents required for the submission of claims

  • Fully completed Health4Me funeral claim form.
  • Certified (by a commissioner of oaths) copy of the member’s identity document/passport/birth
    certificate.
  • Certified (by a commissioner of oaths) copy of the member’s death certificate.
  • Certified (by a commissioner of oaths) copy of the BI 1663 (obtainable from the doctor who
    certified the death).
  • Certified (by a commissioner of oaths) copy of the beneficiary’s/claimant’s identity
    document/passport/birth certificate.
  • If the deceased child does not bear the same surname as the member, proof in the form of an
    affidavit of the relationship.
  • If the deceased is a spouse, a certified (by a commissioner of oaths) copy of the marriage
    certificate.
  • If the marriage certificate is not available, proof in the form of an affidavit that a permanent life
    partnership existed.
  • Copy of the beneficiary’s/claimant’s bank statement (not older than 3 months) or cancelled
    cheque. Please note that ATM or internet statements are not acceptable.
  • Additional information may be required.
  • Please submit the completed and signed form and any supporting documents, via email to
    health4me@momentum.co.za, or via fax to 031 580 0500.

Important information regarding the submission of claims

  • Formal written notification of a claim in respect of a benefit shall be lodged with Momentum within four months of the date of death, failing which the claim shall not be admitted.
  • All documentation required by Momentum, shall be lodged with Momentum within four months of the date of death, failing which, the claim shall not be admitted.
  • Should Momentum request any additional information or supporting documents over and above the standard, prescribed requirements, these must be provided to Momentum within four months of the date of death, failing which, the claim shall not be admitted.
  • Momentum will assess the claim and, on the satisfaction of the provisions of this policy, shall pay the benefit to the policyholder or such other person as the policyholder may direct in accordance with the provisions of this policy, within a reasonable time period of receiving all required documentation.

Important information regarding the repatriation benefit

The repatriation benefit includes:

  • Road or air repatriation of the mortal remains of the deceased to a funeral home closest to the
    normal place of residence of the family or next of kin.
  • Repatriation is arranged when the deceased’s body is more than 100km from their normal place
    of residence, within South Africa and the neighboring countries, Botswana, Lesotho,
    Mozambique, Namibia, Swaziland and Zimbabwe.
  • Special care is taken to consider particular customs and beliefs.
  • Assistance with the necessary documentation and co-ordination with the authorities to
    transport the deceased’s mortal remains back to the normal place of residence is provided.
  • This benefit also includes the transfer of the ashes of the deceased to their normal place of
    residence after cremation.
  • A 24-hour bereavement counselling line is available to the next of kin in the event of death.
  • Where family members are required to identify the deceased or wish to accompany the
    deceased to the final funeral home, closest to the place of burial, 1 night accommodation to the value of
    R1 000 is arranged and paid for by Europ Assistance.
  • These services are provided through the Europ Assistance Call Centre 24 hours a day, 7 days a week and 365 days a year.
  • Europ Assistance can be contacted via phone on 0860 00 42 98 for assistance with repatriation of mortal remains.

Funeral benefit policy exclusions

No Benefit will be payable for any claim if it is in any direct or indirect way caused by, related to, or a result of:

    1. any nuclear reaction or nuclear radiation;
    2. active participation in war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, military uprising, military or usurped power, martial law, insurrection, rebellion or revolution;
    3. active participation in any mutiny, riot or civil commotion that assumes the proportions of or amounts to a popular uprising;
    4. any act of terrorism or action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism, even if there are other causes or events that contribute to the claim at any stage. In this Policy terrorism means an act, the threat of an act, or any preparation for an act:
      a. which may or may not involve violence or the use of force by any person or group (whether they are acting alone or on behalf of or in connection with any organisation, regime or any constitutional or practicing government);
      b. that is, or appears to be, intended to intimidate, harm or influence any government, the public, or a section of the public, or to disrupt any segment of the economy; or
      c. from its nature or context appears to be done in connection with political, social, religious, ideological or similar causes or objectives;
    5. excessive use of intoxicating liquor, wilful inhalation of gas or taking of poisons, drugs or narcotics (except under proper medical direction);
    6. any violation of the criminal law by the Member, or any event occurring whilst the Member is in violation of the criminal law;
    7. mining or using explosives unless as part of an occupation for commercial purposes;
    8. any hazardous activity, including but not limited to motorised racing/speed contests, speed trials, boxing (including kick-boxing) or fighting or any kind, except in self-defence;
    9. any risky or dangerous activities which, in the opinion of the Insurer, may expose the Member to a higher than average risk of injury; or
    10. death of a Member due to suicide or as a result of an attempted suicide within the first twenty- four months of the Member’s policy inception date.