Frequently Asked Questions
The Affinity Funeral Plan is an assistance policy, which works to pay out a specific benefit amount if someone on the plan has passed away, to cover the costs of the burial.
The Affinity Funeral Full and Half cover options cover the main member, the spouse, and up to 5 children under the age of 18. To add children over the age of 18, it is important to give us a copy of the registration letter confirming the child is a full-time student.
You may also add extended family, like more children and other blood relatives, who will be covered with the Extended Family Benefit.
Email or fax these documents to claim benefits:
- Affinity Funeral Claim Form
- Department of Home Affairs BI 1663 Form
- Certified copy of Death Certificate
- Certified copy of Deceased ID
- Certified copy of Policy Holder’s ID
- Certified copy of Beneficiary’s ID
- Certified copy of Beneficiary’s Bank Statement with bank stamp
- Police Report form needed for Unnatural Deaths
The claims are processed and paid out within 24 to 48 hours after all required documents have been received.
Affinity Funeral may adjust the monthly premium once a year. You will be notified of any changes via SMS at least one month before the new premium takes effect.
Insurance is a financial plan that reduces the risk of a financial loss if something valuable to you is damaged or lost. Common types of insurance include health, life, auto, home, and business insurance.
No one likes to think about planning for old age, illness or death. But when the time comes, having everything in order can save your loved ones a lot of worry and additional stress.
The Affinity Funeral Plan offers cover to all South Africans between the ages of 18 and 75 on the next birthday
- If the policy holder passes away, the benefit can be claimed by the chosen beneficiary.
- Should there be no nominated beneficiaries on the policy, the benefit is paid out to the spouse or closest relative on record.
- If a dependent dies, the benefit will be paid to the policy holder.
If death is caused by an accident, the policy pays out regardless of the waiting period. The accidental death benefit is not added to the normal death benefit. You may only claim the correct benefit that applies to the cause of death. The waiting period is only taken away when you claim the Accidental Benefit.
Affinity Funeral pays out a benefit amount in the event of death of either the policy holder or insured dependants or extended family members. This means that, as an insurance product, we do not have a cash-back option and there is no such benefit on the Affinity Funeral Plans.
- Should the policy holder pass away, the policy will cease and a new policy must be opened for the surviving spouse or a member of age, who is able to take over the policy.
- If one of the dependants passes away, the policy will continue with the same main member, but the premium will be adjusted accordingly.
- When a beneficiary passes away, a new beneficiary must be appointed.
As the policyholder of the Affinity Funeral Plan, it is important to know the following information:
- You may cancel the policy within 31 days from the date of making application for it.
- The policy will lapse if the main member passes away or fails to pay premiums for two consecutive months, but it can be reinstated with new waiting periods if the lapse is due to missed premium payments.
- No premiums will be refunded where the policy lapsed due to unpaid premiums or the policy is cancelled after the first 31 days from the inception date of the policy.
- We will let the main member know before the policy lapses.
It is important for the policy holder to read the terms and conditions and see for themselves if the product will meet their needs. The premium must be paid every month in advance and this premium is set by the cover option you have taken out, the age of the policy holder and other benefits selected. The policy provides a death benefit equal to the amount of cover chosen.
Make sure to read all the information about the cover option you have chosen, and the waiting periods applied to it. Affinity Funeral follows the principle of treating customers fairly. This has been put in practice through the Complaints Policy, which is available on request.
- Providing Funeral Services: Offering a range of funeral services.
- Managing Policies: Administering funeral insurance policies, including issuing and maintaining policies, processing claims, and updating policy details.
- Communicating with Policyholders: Keeping policyholders informed about their policies, any changes in terms, and upcoming premium payments.
- Handling Claims: Processing and paying out claims in a timely manner, as per the policy terms and conditions.
- Premium Collection: Collecting monthly premiums and managing payment schedules.
- Compliance: Ensuring that their operations and services comply with relevant regulations and standards in the funeral industry.
- Customer Support: Providing support to policyholders and beneficiaries, addressing any queries or concerns they may have.
- Maintaining Records: Keeping accurate records of policies, premiums, claims, and other relevant documents.
