How to Claim

If you've clicked on this page, it means that you have probably lost a loved one.
Our deepest condolences go to you and your family.
We promise to make the claims process as smooth and convenient as we possibly can.
We know how difficult this time is.

Who must claim

All benefits are payable to the policyholder:

  • If the policyholder is the deceased then the benefit is payable to the beneficiary of the death benefit.
  • If there is no beneficiary appointed then the benefit is payable to the executor of the estate.
  • If the person receiving the money is a minor then the legal guardian must claim.
  • If you are not sure who must claim, please contact us at 0861 235 433

In order to initiate a claim we will require certain documents depending on the cause of death of the deceased.

Important Information regarding your claim

Suicide is treated as death by non-accidental causes and a waiting period will apply. This waiting period applicable to your policy is in your terms and conditions.

  1. No affidavits will be accepted to prove relationships or marriage.
  2. Commissioner of oath signatures by a funeral house, post office or home affairs will not be accepted
  3. Claim payment will be made in South African currency only.

What to send us: Cause of death: Natural (for example illness)

  • Fully completed funeral claim form.
  • A clear, certified copy of the official death certificate issued by the Department of Home Affairs.
  • A clear, certified copy of the deceased’s identity document Should the identity numbers on the death certificate differ to that of the ID document, a letter from Home Affairs with an explanation is required.
  • A clear, certified copy of the claimant’s identity document.
  • Proof of bank account into which the claim will be paid (Bank statement stamped by the bank).

Fully completed BI/DHA 1663 or BI/DHA-1680 (Pages 1, 2, 3 and 4).(Not a standard requirement)

What to send us: Cause of death: Unnatural (for example accident/ murder)

  • This completed funeral claim form
  • A clear, certified copy of the official death certificate issued by the Department of Home Affairs.
  • A clear, certified copy of the deceased’s identity document. Should the identity numbers on the death certificate differ to that of the ID document, a letter from Home Affairs with an explanation is required.
  • A clear, certified copy of the claimant’s identity document.
  • Proof of bank account into which the claim will be paid (Bank statement stamped by the bank). The statement cannot be older than 3 months at the date the claim is submitted. If a bank statement cannot be provided then a cancelled cheque will be accepted. In the case of third party payments, (where the beneficiary does not have a bank account), we require the clear certified copy of the Identity Document of the account holder as well as bank statement and a completed Sanlam discharge form;
  • Fully completed BI /DHA1663 or BI/DHA-1680 (Pages 1, 2, 3 and 4)
  • Fully completed police report.
  • Post mortem report
  • Road accident report (if cause of death was as a result of a Motor Vehicle accident)
  • Inquest verdict (may also be requested depending on the circumstances surrounding the death)

What to send us: Still-born child

  • Fully completed funeral claim form.
  • A certified copy of the identity document of the still-born child’s mother.
  • Notice of stillbirth.
  • A letter from the doctor who was present at the baby’s birth, confirming the mother of the child and at how many weeks the child was born.
  • Proof of bank account into which the claim will be paid.

What we will do within 48 hours after receiving the claim

  • inform the person claiming if we need any other information, or
  • inform the person claiming about our decision to either approve or decline the claim

To start the claim process choose one of the following options: