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Our services and cover plan
gold plan
Gold Cover Plan – Overview
Purpose:
To provide financial support to the insured’s family at the time of death by covering funeral expenses, and sometimes offering additional benefits like cash payouts or repatriation.
key features
High Funeral Cover Amount
* Provides a lump sum payout (often higher than basic plans) to cover funeral costs.
* Typical cover ranges from R20,000 to R50,000 or more depending on the plan.
Covers Family Members
* Can include cover for:
* Main member
* Spouse
* Children (biological/adopted)
* Parents or extended family (depending on the insurer)
Affordable Monthly Premiums
* Fixed monthly premiums based on cover amount and age of Quick Payout
* Claims are usually paid out within 24–48 hours after receiving all required documents, ensuring quick funeral arrangements.
Additional Benefits (May Vary)
* Grocery benefit (monthly allowance for a few months)
* Memorial or unveiling benefit
* Transportation/repatriation of body
* Accidental death double payout
* Premium holiday (e.g., pay for 12 months, covered for 18)
No Medical Exam Required
* Generally no medical check-up needed; acceptance based on age.
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Eligibility Criteria:
* Entry age usually between 18 and 75 years
* Some plans allow continuation for life with fixed premiums
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Why Choose a Gold Cover Plan?
* Offers peace of mind with higher cover than basic plans
* Helps prevent financial strain on family during a difficult time
* May come with value-added services (legal help, trauma counseling, etc.)
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silver plan
Silver Plan – Funeral Cover
Purpose
* To provide moderate financial relief for funeral costs, so family isn’t burdened with all expenses.
* To strike a balance between cost (monthly premium) and benefits.
Funeral benefit (lump sum or service value) Covers funeral costs for principal member (and sometimes spouse or children). Could be something like R10,000–R20,000 depending on age, provider, and premiums. E.g., MTG Silver Plan offers cover: Principal member & spouse \~R20,000; children a bit less.
Dependants / family cover Often includes spouse, children. Extended family may be optional or at extra cost. Some plans include “extended family” or “extended dependants” benefits.
Waiting periods / age restrictions | There’s often a waiting period for natural death claims (e.g. 6 months), while accidental death may be covered immediately. Entry ages may be limited (e.g., up to age 75 or 80 for joiners).
Included services Things like a standard coffin/casket, hearse, transport of the body, grave registration, program booklets, chairs/tent for viewing, basic graveside decoration, etc. Some Silver plans include limited catering or refreshments. Grocery or essential support Sometimes a small grocery component or “comfort” items for family hosting the service, or refreshments etc. But less than in higher plans. These could include body repatriation (if required), radio announcements, death registration, lowering device, tombstone/memorial contributions, etc. The Silver plan may offer some of these but possibly with lower limits.
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Premiums
* Monthly premium is higher than Bronze/basic plans but lower than Gold/Platinum.
* Premium depends on:
* Age of the person insured (older ages = higher premium)
* Number of dependants / family members covered
* Sum insured (benefit amount)
* Example: MTG’s Silver Plan with full family cover might cost around **R110 per month** for family. Single person might pay less.
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Considerations / Limitations
* Waiting periods: Natural death claims usually have a waiting period before the full benefits kick in.
* Age limits for joining or for certain benefit levels. Older entrants may pay more or get fewer benefits.
* Benefit caps or exclusions: some items might not be included (e.g. premium or luxury coffin options, extensive repatriation, elaborate catering). Families may need to top up themselves.
* Terms & conditions matter: what “standard service” means; what “transport” is included; notice required; who arranges services.
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bronze plan
Bronze Plan– Funeral Cover
Purpose
* To provide essential funeral cover at a low monthly cost.
* Ensures basic funeral costs are covered so the family doesn’t face the biggest financial burden.
* Fewer bells & whistles compared to Silver or Gold, but still dignified.
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Common Features
Typical Bronze Plan Contains
Casket / coffin Basic coffin (often “flat lid”, basic material). Might be a simple design without premium finishings. E.g., flat coffin in a “Budget” or Bronze range.
Collection / removal of deceased Removing the body and transport to the mortuary or funeral home, handling of body storage.
Hearse & transport Use of a hearse, possibly plus minimal transport of family or one car. More premium plans might have more family cars or nicer transport.
Mortuary storage / handling Keeping the body until funeral; basic mortuary services.
Funeral programs / documentation A certain number of printed programmes; assistance with death registration etc. Maybe a grave marker or cross.
Grave decoration / marker Basic grave marker or simple cross; minimal decoration. Possibly flowers / coffin spray.
Tent / chairs / shelter For viewing / service - basic tent and some chairs; fewer than in higher-tier plans.
Waiting period Often there's a waiting period before you can claim for natural death (e.g. 3‑6 months). Accidental death often has little or no waiting period.
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Cost / Premiums
* Bronze plans are usually the cheapest tier. Low monthly premiums compared to Silver/Gold.
* Premium depends on age, number of family members covered, and the benefit amount.
* For example, one provider’s Bronze plan might cost \~R80 per month for a single member (18‑64 yrs) under basic benefits.
* As age goes up, premiums rise. Cover for spouse/children adds cost.
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Limitations / What You Might Not Get
Bronze plans often omit or limit many of the extras that higher tiers have. Common limitations include:
* Less elaborate coffin / no premium finishes
* Fewer family cars for transport
* Lower number of chairs/tents/“comfort” services (refreshments, meals, elaborate staffing)
* No luxury add-ons (e.g. no VIP lounge, no mobile toilet, no video services, etc.)
* Lower payouts (i.e. the cover amount is more modest, meaning you may have to contribute extra if you want more)
* Longer waiting periods for some causes of death (natural causes, sometimes suicide)
* Minimal or no grocery or “after‑funeral” benefits
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Bronze Plan: R220 per month under our 1+5 / 1+9 plan; includes flat or half‑view coffin, coffin spray, hearse, 2 family cars, grave marker, grave decoration, chairs/tent etc.
bronze plus
A Bronze Plus funeral plan is typically a more enhanced version of the standard Bronze Plan, offering slightly more coverage and benefits while still being an affordable option. It’s designed for people who want the basics of a funeral plan but with a few extra features that provide more dignity and convenience to the service. Bronze Plus Funeral Plan – Features 1. Increased Funeral Cover A Bronze Plus Plan usually offers a slightly higher payout than the standard Bronze plan, typically between R12,000–R18,000. * This amount is still considered relatively modest but can help cover the costs of a more dignified service, including transportation, basic coffin, and funeral-related costs. 2. Dependants Included * In a Bronze Plus plan, cover often extends to the principal member, their spouse, and children (up to a certain age). * Some plans may allow you to cover extended family members (parents, siblings), but this is usually optional and could add to the premium. 3. Funeral Services Hearse services to transport the deceased to the funeral home, as well as 1–2 family vehicles to carry relatives to the service. Coffin options** may still be basic (wood or simple material), but they are often upgraded slightly in comparison to a regular Bronze plan (e.g., better design, more durable materials). 4. Additional Services Extra funeral essentials that are not included in basic Bronze plans: Basic tenting and chairs for the funeral service (larger than the typical Bronze plan). * A basic floral arrangement or acoffin spray is often included, but it will still be a modest one. * A basic grave marker (which could be a cross or small headstone). * Funeral programs may be upgraded in design and print quality. 5. Extended Mortuary Storage * Many Bronze Plus plans provide longer mortuary storage (up to 7 days or more), which can be helpful if there is a delay in organizing the funeral due to family logistics or other circumstances. 6. Premiums Bronze Plus plans come with a slightly higher premium than the regular Bronze plan, but they are still much more affordable than Silver or Gold plans. * Monthly premiums can range from R100 – R200, depending on the number of family members covered, age of the insured, and benefits. 7. Waiting Periods * Just like with standard Bronze plans, there will often be a waiting period of 3–6 months for natural death claims. Accidental death claims may be paid out immediately. * This waiting period ensures that the insurer doesn't face any undue risk if the policyholder dies soon after taking out the plan. --- While the Bronze Plus plan remains a budget-friendly option, there may be a few additional perks that could set it apart from the standard Bronze plan. These could include: Grocery or essential benefits: Some providers offer small grocery allowances or essential household goods for the family after the funeral. These are not always guaranteed with Bronze or Bronze Plus plans but may be included as an add-on. Accidental Death Double Payout: If the policyholder passes away due to an accident, the benefit payout might be doubled. Body Repatriation: Transporting the body back to the deceased's home town or country could be covered, depending on the plan. Extended Family or Dependant Cover: The option to add extended family members such as grandparents, parents, or siblings for a slightly higher premium. --- Premiums: Around R120 – R150 per month for a single person. Family coverage will increase premiums. * Includes benefits like a basic coffin 1–2 family cars, grave marker, funeral programs, and basic floral arrangement**. Extended services like7-day mortuary storage and extra cover for the spouse and children. Why Choose a Bronze Plus Plan? Affordable, but more comprehensive than the basic Bronze plan. * Provides more dignity and better coverage than basic Bronze options. * A good balance of affordability and enhanced service. * Ideal for individuals who want to ensure their family is covered for the funeral, without breaking the bank for high-tier plans.
bronze dignified
A Bronze Dignified Plan is a type of funeral cover that offers essential, yet dignified, funeral arrangements at a budget-friendly rate. This plan typically targets those who want to ensure their funeral costs are covered but without extra or premium features that come with higher-tier plans like Silver or Gold. The goal is to keep the service simple and respectful, while still providing for the necessary needs during a difficult time. Bronze Dignified Funeral Plan – Features 1. Basic Funeral Cover A lump-sum payout for the funeral expenses, typically lower than Silver or Gold plans. * Cover amounts generally range from R10,000–R15,000depending on the plan and the provider. This can cover: * Basic coffin (e.g., wood or low-cost material) * Transport of the deceased to the funeral home or mortuary * Basic grave marker or cross * Mortuary storage for a limited time (usually a few days) 2. Dependants Coverage * Most Bronze Dignified plans will include the principal member and possibly a spouse or children (up to a certain age, like 21 or 23). * Some plans allow you to extend cover to other family members, but it will increase the monthly premium. 3. Transport Hearse services for the deceased to be transported to the funeral service. * The plan may include1-2 family cars or attending the service, but these are generally simpler options (less than a higher-tier plan’s vehicles). 4. Funeral Arrangements Basic funeral services such as: * Preparation of the deceased * Standard service with minimal decoration * A small number of chairs and tents for viewing * A simple memorial service, including a grave marker and basic decorations * Catering and refreshments are usually not included, or very minimal. 5.Basic Documentation and Registration * Assistance with registering the death and issuing the necessary certificates. * Printing of funeral programs may be included (though basic in design). 6. Waiting Period A waiting period of3–6 months is often required before you can claim for natural death (accidental death typically has no waiting period). * Be sure to check the terms as this can vary between providers. 7. Affordable Premiums * One of the main selling points of the Bronze Dignified Plan is its affordability. Monthly premiums are typically much lower than Silver or Gold plans. * You may expect to pay between R80 – R120 per month for individual cover, and slightly higher for family cover. 8. Premiums Based on Age * The cost of the premium increases with the age of the insured person. For example, a 25-year-old might pay a lower premium compared to someone who is 65 years old. * Family cover (spouse, children) will raise the cost of the premium. --- Common Limitations or Exclusions Limited benefits: Unlike higher-tier plans, the Bronze Dignified Plan doesn’t provide premium coffins, elaborate grave decorations, extensive repatriation (body transport across distances), or extra family services. Shorter cover: Only basic essentials like a basic casket, minimal flowers, and a simple grave marker. No extras: No grocery, legal, or trauma counseling benefits (which might come with Silver or Gold plans). --- A Bronze Dignified Plan typically covers a single person (and possibly their spouse or children) with a similar level of service—basic coffin, hearse, and one family vehicle, along with funeral program and grave marker. Expect to pay between R100 and R150 per month for individual cover. --- Why Choose a Bronze Dignified Plan? Affordable: Ideal for those who want to cover funeral costs but can't afford the higher premiums of Gold or Platinum plans. Essential Coverage: Ensures the most important aspects of the funeral are taken care of without adding extras. Peace of Mind: Knowing that the basics—like transport, a coffin, and basic funeral services—are covered helps ease the burden during difficult times.
grocery plan
A Grocery Funeral Plans a specialized form of funeral insurance that combines funeral cover with grocery or household assistance benefits. These plans are designed to help provide a modest amount of financial relief for families not only for funeral costs but also for essential daily living expenses in the aftermath of the loss.
Key Features of a Grocery Funeral Plan
1. Funeral Cover
* As with traditional funeral plans, the primary benefit of a Grocery Funeral Plans to cover funeral-related expenses, such as:
*Casket/Coffin
Transport of the deceased (e.g., hearse and possibly family vehicles)
Funeral service (tents, chairs, basic floral arrangements, etc.)
Grave marker (usually a cross or small headstone)
Mortuary services (storage, body preparation, etc.)
The funeral cover** may range from R10,000 – R25,000or more, depending on the insurer.
2. Grocery Allowance or Support
* The unique feature of a Grocery Funeral Plan is the inclusion of a grocery benefit. This helps the family manage their day-to-day expenses in the weeks or months after the funeral.
* This benefit may include:
Cash voucher or discounts for a set number of months (usually 1–6 months).
Grocery or food vouchers that can be redeemed at specific stores.
* Some plans may even include household essentials such as cleaning products or other non-food items.
3.Premiums
* These plans are generally affordable, with premiums ranging from R100 – R300 per month, depending on:
* The number of dependents (spouse, children, extended family).
* The sum insured (funeral cover amount).
* The specific grocery benefit (e.g., monthly grocery value).
For instance, a single member might pay R100 – R150/month, while family coverage could range from R200 – R300/month.
4. Waiting Periods
* As with most funeral plans, there may be a waiting period before full benefits kick in (especially for natural death claims).
* Accidental death claims often have no waiting period or a shorter waiting period (e.g., 24 hours).
5. Extended Family Cover
* Some grocery plans allow for extended family cover, where you can include spouse children, and even parents(depending on the provider).
* The grocery benefit may apply to just the principal member or extend to family members, depending on the plan.
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Additional Benefits
Cash benefit: A lump sum of money in addition to the funeral cover to assist with immediate financial needs.
Accidental Death Benefit: Double the cover amount if the insured person dies in an accident.
Trauma Counseling: Assistance or vouchers for grief counseling to help the family cope with the loss.
Repatriation: The cost of transporting the deceased to their home town or another location.
Legal Services: Some plans offer basic legal assistance with estate planning or death registration.
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*Seremakga funeral parlour offers a Grocery Benefit Plan that combines funeral cover and grocery vouchers for the family.
* You could receive R5,000–R10,000 worth of grocery vouchers over the first 3–6 months after the funeral.
* Funeral cover can start from R1,000 and go upwards, with premiums ranging from R100 – R250 Depending on the cover level and family.
Seremakga funeral parlour Plan with Grocery Benefit:
Our funeral plan often includes grocery vouchers (around R1,000–R3,000) to help with monthly grocery expenses after the funeral.
* Includes standard funeral cover and basic family benefits.
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Why Choose a Grocery Funeral Plan?
Dual Benefit: Offers both funeral cover and practical, post-funeral support to help ease the financial strain on the family.
* Convenience: Ensures that essential needs, like groceries, are covered after the loss, so the family doesn't have to worry about day-to-day expenses.
Affordable: The grocery add-on is typically offered at a reasonable price, making it accessible for families with tight budgets.
* Peace of Mind: In addition to the traditional funeral benefits, knowing that groceries are covered for several months can be a relief for the family in the grieving process.
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Considerations
Limitations: Some plans may offer limited grocery benefits or restrict which stores you can redeem vouchers from. Waiting Periods: Be aware of waiting periods (especially for natural death), and confirm if accidental death is covered immediately.
Premiums: While grocery funeral plans are relatively affordable, the more comprehensive plans with higher cover amounts and more grocery support may increase premiums.
