If the Insured or his/her Family Member dies, the funeral aid benefit as selected on the application form and confirmed in the participation certificate, is paid.


The Insured or Principal Member is any client of Reris under the ages specified below at the time of applying for the insurance, is insured in terms of the policy:

  • 62 years in the case of an Insured with Family Members
  • 84 years in the case of an insured without Family Members

On the understanding that an Insured without Family Members must be older than 60 years to qualify.

Family Members

Qualifying Spouse, Qualifying Child and Extended Family Members.


A marriage/union in accordance with the Marriage Act, 1961, the Recognition of Customary Marriages Act, 1998, the Civil Union Act, 2006 or in terms of the tenets of a religion. Also includes a union where two persons live together as if married with the commitment of continuing to do so permanently and have been doing so for at least 6 months, provided they have successfully applied in writing to Safrican for the Union to be registered and one or both of them are not joined in a marriage or union with another person.

Qualifying Spouse

The person with whom the Insured is joined in Marriage (as defined above), who is over the age of 15 years and under the age of 62 years at the time of applying for insurance and which has been nominated in writing to Safrican, will be the Qualifying Spouse. If the Insured failed to nominate a Qualifying Spouse, the first spouse with whom he/she was joined in Marriage, will be the Qualifying Spouse

Qualifying Child

Unmarried child of the Insured or his/her Qualifying Spouse under the age of 22 or unmarried child who is a full time student under the age of 26 (proof of study must be supplied) or unmarried child, irrespective of age, who is in capacitated by a physical or mental infirmity and unable to maintain himself/ herself.

Stillborn Child

A child of the Insured or his/her Qualifying Spouse that has had at least 26 weeks of intra-uterine existence but showed no sign of life after complete birth.

Qualifying Parent

The Insured’s/Qualifying Spouse’s father, mother or foster-parent or such person’s spouse, who is under the age 75 at the time of applying for the insurance and is nominated in writing by the Insured and for whom an additional monthly premium is paid as determined by Safrican

Extended Family Member

Any person, except a Qualifying Spouse , Qualifying Child or Qualifying Parent,who is dependent on the Insured for maintenance, is under age 54 at the time of applying for the insurance and is nominated in writing by the Insured and for whom an additional monthly premium is paid as determined by Safrican The Insured must provide proof that the person(s) are in fact dependent on the Insured for maintenance.


Insurance in terms of the Policy commences as follows:

  • If the first premium is received by Safrican on or before the 7th day of a month, the insurance commences on the first day of that month.
  • If the first premium is received by Safrican after the 7th day of a month, the insurance commences on the first day of the following month.


A premium per Insured, determined by Safrican, is payable monthly in advance. If any premium is not paid timorously, Safrican’s liability in terms of the policy regarding that Insured and his/her Family Members lapses. Safrican shall be entitled to amend the benefit and premium payable in terms of the policy by way of 90 (ninety) days written notice to the Administrator, who in turn shall give notice to the member. Premium increase will be determined by claims ratio.


The validity of this insurance policy is subject to the fulfillment of due diligence obligations of the Insurer and Service Provider under the provisions of the Financial Intelligence Centre Act (as amended) conducted on the identity of client(s) or persons acting on behalf of clients as well as beneficiaries, and beneficial owners of juristic persons where applicable.


Your information will only be used for the purpose you would reasonably expect, including; providing administrative services on behalf of your Insurer and Service Provider; to issue, administer and manage your insurance policies, to process insurance claims; to notify you, on behalf of your Service Provider, of new products or developments that may be of interest to you; to verify your identity and to confirm, verify and update your details; and to comply with any
legal and regulatory requirements.


Your information may need to be shared to verify your identity, provide advice, reports, analyses, products or services that you have requested. Where we share your information, we will take all precautions to ensure that the third party will treat your information with the same level of protection as required by us.


Certain exclusions with regards to war and terrorism apply. Certain limitations may apply if you are not physically present in the Republic of South African. If you are going to be outside the borders of the Republic of South African for a period longer than 6 months, please inform the administrator immediately


In the case of death due to natural causes, any cover or any increase in cover has a waiting period of 6 (six) months from date of commencement or date of increase as the case may be. If the insured ‘s or Family Member’s benefit have lapsed and he/she again becomes insured in terms of the policy, the above waiting periods will apply.


This benefit is available on the death of any Insured or Family Member at no charge. The benefit provides for transport of the deceased via road or air from anywhere in South Africa, Lesotho, Swaziland, Zimbabwe, Botswana, Namibia or Mozambique (south of the 22o latitude), to the funeral home closest to the place of burial in South Africa. One relative may accompany the body to the funeral home, and if needed, overnight accommodation (one night) will be
provided at no additional cost.

CALL: 011 778 8000 – Provide the following information:

  • Name and identity number of the deceased
  • Name and code of the scheme
  • Place where death occurred


The Insured may at any time cancel the policy. This policy is a risk only policy and as such has no cash benefit and there will be no refund of premiums in respect of risk cover already enjoyed.


The Insured must complete an application form specifying his/her Qualifying family members. Any incorrect information provided to the administrators may result in a claim not being honoured. Only valid claims due to accidental death will be paid immediately (i.e. there is no waiting period), provided that the first premium was received.

Debit order procedure

The Debit Order will run on the date of each month. However, should payments not be received by the 15th day of each month, your cover may lapse.

Safrican may, however reinstate your cover on conditions applicable at the time. Please therefore ensure that the debit order is deducted from your bank account on the date selected. If it is not deducted on the selected date, please contact our offices immediately.


In the event of a death, a Claim Notification Form must be requested fromPhakama’s office, and must be submitted together with the relevant supporting documents within six (6) months of the date of death.

Documents to be submitted:

  • asdasd
  • Fully completed Claim Notification Form
  • Proof of death: (B1-5) original certified copy of the computer produced Death Certificate.
  • Certified copy of Insured’s Identity Document.
  • Certified copy of deceased’s Identity Document.
  • Certified copy of marriage/registration certificate or sworn affidavit that the Insured is married to the Qualifying Spouse or that the Insured has lived with his/her partner for at least 6 months.
  • Full time student: Letter from recognised education institution.
  • Disabled child: Confirmation of disability grant and a copy of medical report relating to disability.
  • In the event that a child’s surname is different from the principal insured,
  • an affidavit is required to explain the nature of the relationship to the
  • principal insured.
  • Still-born child: Certified copy of death certificate and the
  • Notification/Register of Death/Still Birth (83/B1 – 1663) form, as well as a
  • Letter from the doctor/hospital in attendance, confirming the duration of the gestation period.

Claims, in respect of Family Members (Qualifying Spouse, Child, Parents or
Extended Family), will only be paid where such Family Members have been
nominated on the original application/amendment form.

Safrican reserves the right to request any further documentation or information as it may deem necessary to accurately assess a claim.

Safrican will endeavor to settle the claim within 48 hours of receiving all of the
required fully completed documentation. All copies must be clearly certified. The details of the Commissioner of Oaths
with all the relevant details must be clearly legible. If at any time you have any concerns or complaints please send details of your issue including policy information and full names of the Insured in order to assist in speedy resolution to the following:

Phakama (Administrators)

Tel: (012) 348 8310
Fax: 086 514 1115

Safrican Insurance Company,

Postal address: P O Box 616, Johannesburg, 2000
Tel: 011 778 8000
Fax: 011 778 8183

Should a complaint not be resolved to your satisfaction, you may escalate the
compliant to:

The Ombudsman at FAIS Ombudsman (About compliant about how the policy was sold to you)

Postal address: P O Box 74571, Lynnwood Ridge, 0040
Tel: 012 470 9080
Fax: 012 348 3447

The Ombudsman of Long Term Insurance (For complaint about policy terms or a claim not paid)

Postal address Private Bag X45, Claremont, 7735
Tel: 021 657 5000
Fax: 021 674 0951