How much is Capitec funeral cover per month?

Roughly R30–R60 a month for R10,000 of single cover, and around R230–R420 for R50,000 of family cover. Premiums are age-rated, so joining younger locks in a lower rate for life.

Who underwrites Capitec funeral cover?

Sanlam. Capitec distributes the policy through its app and branches, while Sanlam carries the insurance risk and pays the claims.

How do I claim Capitec funeral cover?

Lodge the claim in the Capitec app, by phone or at a branch, with the certified death certificate, DHA-1663 form, the deceased's ID and the beneficiary's bank details. Complete claims are normally paid within 48 hours.

Does Capitec funeral cover have a waiting period?

Yes — six months for natural causes and twelve months for suicide. Accidental death is covered from the moment your first premium is received.

Funeral Cover · Provider comparison

Capitec funeral cover prices: what you pay per month in 2026

Capitec's funeral plan, underwritten by Sanlam, is consistently among the cheapest large-brand funeral cover in South Africa — largely because it is sold through the banking app with no adviser commission built into the premium. If you want maximum cover per rand and you are comfortable with a fully digital product, it is usually the price benchmark everything else should be measured against.

At a glance

Cover from R10,000 up to R100,000 per life, bought in the Capitec app or at a branch.
Underwritten by Sanlam, so the claims-paying backing is a large SA insurer.
No medical tests — acceptance is guaranteed within the age limits.
You do not need to be a Capitec client to be a beneficiary.

Capitec funeral cover prices

Indicative South African market ranges. Your own quote depends on age, location and the exact cover you choose.

Cover	Typical premium	Notes
R10,000 single	R30 – R60 / month	Among the lowest large-brand entry premiums in SA.
R30,000 single	R80 – R160 / month	Scales close to linearly with cover.
R50,000 family	R230 – R420 / month	Main member, spouse and children.
R100,000 family	R450 – R850 / month	Upper tier; parents priced separately.

Waiting periods and when cover starts

6-month waiting period for natural causes.
Immediate cover for accidental death.
12 months for suicide.
Premiums are typically debited on your chosen salary date to reduce lapse risk.

How to claim from Capitec

Claim through the Capitec app, the client care line or any branch.
You need the death certificate, DHA-1663, the deceased's ID and the beneficiary's banking details.
Valid claims are usually paid within 48 hours of receiving complete documents.
Cover lapses after missed premiums — the most common reason a Capitec claim is declined.

Capitec pros and cons

What works well

Cheapest cover per R10,000 among the big consumer brands in most age bands.
Buy, change beneficiaries and claim entirely in the app.
Sanlam underwriting behind a low-cost price point.
No medical underwriting.

What to watch

Extended-family and parent cover is less flexible than Old Mutual or AVBOB.
No funeral-service benefit — it is a cash payout only.
Digital-first service, which is harder if you prefer face-to-face advice.

Alternatives to Capitec

Old Mutual: Better if you need extended family, in-laws and adviser support on one policy.
AVBOB: Bundles the actual funeral service, which can be worth more than the price difference.
Metropolitan: Competitive for lower-income households and group schemes.

Compare Capitec against the rest of the market

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Capitec funeral cover: frequently asked questions

Other funeral cover providers compared

Old Mutual funeral coverPrices, waiting periods and alternatives AVBOB funeral coverPrices, waiting periods and alternatives Standard Bank funeral coverPrices, waiting periods and alternatives Sanlam funeral coverPrices, waiting periods and alternatives Hollard funeral coverPrices, waiting periods and alternatives Metropolitan funeral coverPrices, waiting periods and alternatives Clientèle funeral coverPrices, waiting periods and alternatives

CompareQuotes.co.za is an independent comparison service and is not affiliated with Capitec. Premium ranges are indicative South African market estimates for general guidance only and are not a quote or financial advice. Always confirm the benefits, exclusions and waiting periods in the provider's policy schedule.