Discovery Family Cover

Discovery family funeral cover is one of the latest initiatives by Discovery Life. Most South African people will know, or at the very least have heard the name Discovery. Although they have only been around for about 20 years, they have left a deep mark in the industry. They are one of the only life insurance companies that actively promote a healthy lifestyle.

You don’t need to have any other Discovery products or services to qualify for the Discovery family funeral plan. This product can be taken as a stand-alone product. It will however compliment any of your existing Discovery products. They offer the highest cover level of all the providers we represent. With Discovery funeral cover, you can have from R10 000 to R60 000. This will ensure that sufficient funds will be available in desperate times. Nobody wants to struggle to fund a burial, having funds available quickly will solve this problem.

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Reasons To Get Family Funeral Cover

Firstly, it’s important to understand the implications. A funeral plan is not really a nice to have. Everybody will die someday. You must always be prepared for this event. It can be stressful if you are not prepared. Secondly, it’s extremely expensive to arrange a burial. A basic service can easily cost R20 000. It obviously depends on how many people attend, etc. A lot of people don’t know that even a cremation can cost R10 000. 

Lastly, you have to make sure you have money available quickly. Most funeral plans will pay within a day or two. Discovery funeral insurance settle claims within 24 hours. This means that your family will not have to try and get money together. They will have access to money quickly and hassle free. It’s important to keep in mind that a funeral plan does not cost you an arm and a leg each month. It’s a small price to pay for the peace of mind it offers

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Automatic Baby Cover

Education Icon

Education Benefit

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Grocery Benefit

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Quick 24 Hour Payout


Cashback Benefit

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Continued Cover Benefit


Double Accident Cover

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Unveiling Benefit

Discovery Family Funeral Plan Automatic Benefits

This I a cash only funeral plan with some really interesting additional benefits. For example, if you, or your spouse die as a result of an accident, the insured amount will double. They have also taken the plan to the next level by including benefits like Accidental Death Benefit, Automatic Baby Cover, Premium Payback Benefit and an Education Benefit.

  1. Automatic Baby Cover
  2. Premium Payback Benefit
  3. Accidental Death Benefit
  4. Education Benefit
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Automatic benefits are befits that are included in every policy. Providers like Discovery have to make sure they offer more than just a cash payout. Cash only providers usually offer a bunch of value adding benefits. Some of these befits are not always great and can sometimes be used by providers to lure customers. In this case, we believe that every benefit they offer actually add real value to your policy. They are well thought out and make a lot of sense.

How are Premiums Calculated?

As with most providers, they have a couple of ways they figure out the cost of a policy. Firstly, the ages are very important. As we grow older, the premium starts to increase. This is due to the fact that as we get older, our risks increase. This is one of the reasons why we suggest getting a policy while you are still young. Secondly, the amount of cover determines the cost. The more cover you want for each person, the more it will cost. This is two of the main factors to consider. Lastly, there are optional benefits. These are benefits you can take if you want them to compliment your policy. They are benefits that you choose to improve your policy. Let’s look at some of the optional benefits available on this policy.


Discovery Family Funeral Plan Optional Benefits

With the Discovery family funeral plan, the consumer can amend the policy to suit their lifestyle. They offer amazing additional benefits that will make your plan standout above the rest. Optional benefits you can select includes a Memorial Benefit and Grocery Benefit. The Grocery benefit will pay out monthly for a couple of month after the burial. This is to assist the remaining family with shopping funds. This benefit will payout after the burial to ensure that the family is taken care of until they are back on their feet.

  1. Grocery Benefit (Optional)
  2. Memorial Benefit (Optional)

Automatic Baby Cover

The Discovery family funeral plan automatically covers newborn babies. This benefit will be applicable for the first three months of birth. The lump sum will be paid in the event that the baby dies.

Premium Payback Benefit

This benefit will ensure that if the premiums are paid in full, a cash back incentive will be paid to the policy holder. You can get a full year’s premiums back for every 5 years of paying for your funeral policy. This money can be used for anything the policy holder deems fit. A new premium payback cycle would start if the spouse decided to keep the policy after the death of the premium payer.

Accidental Death Benefit

If the policy holder, or indicated spouse die as a result of an accident, the payout will double. This includes events like murder, car accident, high jacking, etc. If you are covered for R50 000 for your main funeral benefit, the payout will increase to R100 000. This benefit will only be applicable if death is due to an accident. Natural causes of death will not be applicable.

Education Benefit

If you or your indicated spouse dies, an education cash benefit will be paid for six full months after the claim. The Education benefit will be available to all children covered under the policy. Unfortunately this benefit does not cover children under the extended family section. E.g. Brothers Children will not be covered under the extra benefit.

Memorial Benefit (Optional)

This benefit automatically includes your spouse and is optional on your Discovery Family Funeral Plan. The cash amount will be paid monthly to you or your spouse. This benefit will continue to pay for one year after the claim. This is an optional benefit and can be included at a small additional premium.

Grocery Benefit (Optional)

Similar to the Memorial Benefit, the Grocery Benefit will pay the insured amount for six months after a claim. This cash pay-out might help to provide funds for necessities like groceries etc. This amazing additional benefit is available for the main applicant and spouse.


Discovery Family Funeral Cover Conclusion

Discovery Funeral Cover offers affordable cover up to R60 000. They have a proven track record and has some of the most amazing insurance products in South-Africa. They are always a few steps ahead of the competition. There will be no medicals required. This product is only available to South African citizens. Cover start from as little as R54 p/m. They settle claims faster than most providers. You can have money as quick as 24 hours after you claim.

To get a free quote, please complete any contact form on our website. A competent consultant will contact you via telephone. If you are completely satisfied with your free quote, we can arrange your policy at no additional costs.