In South Africa, funeral cover is the most popular type of insurance, with approximately 22 million adults – 48% of the population – holding a policy. This, however, still leaves more than half of the adult population without funeral cover, which can have significant consequences for families.
This gap in cover is concerning, given the inevitability of death and the substantial costs involved in funerals. Funerals are more than just ceremonies; they are cultural and personal legacies. Without adequate planning, these costs can quickly become overwhelming. Funeral cover plays a vital role, providing a financial safety net to prevent unexpected burdens.
That said, not all funeral policies are created equal. Many policyholders believe they are covered, only to discover a long list of exemptions in their time of need. This highlights the importance of choosing a comprehensive policy – one that addresses not only the obvious costs but also hidden expenses like the transportation of the deceased.
Why repatriation matters
Transporting the body of a deceased loved one back to their home for burial can be a costly and logistically challenging process. In South Africa, many individuals migrate from poorer provinces to cities or wealthier regions in search of employment. As a result, family members often remain in rural areas while their loved ones work far from home.
When death occurs, the financial and logistical responsibility of transporting the deceased often falls on those left behind – families who may already be struggling with limited resources. This is why Metropolitan offers a repatriation benefit, which covers not only physical transportation but also assistance with funeral and cremation arrangements, ensuring families are supported every step of the way.
This round-the-clock service eliminates the heavy costs associated with moving a loved one back to their place of origin, while also relieving families of the administrative and logistical burdens during a highly emotional time.
After all, the need for funeral cover extends beyond the immediate costs of a burial. It’s about leaving a legacy of care – ensuring that loved ones are supported and can grieve without additional financial stress.
Metropolitan’s funeral cover combines its longstanding reputation for top service with a commitment to meeting diverse needs. Taking this step ensures that your family is protected, offering them dignity and support in the face of life’s inevitable challenges.
* Wolmarans is the head of the digital service at Metropolitan.
PERSONAL FINANCE