How much is Metropolitan funeral cover per month?

About R40–R85 a month for R10,000 of single cover and R270–R490 for R50,000 of family cover, depending on the ages of everyone insured.

What is the Metropolitan funeral cover waiting period?

Six months for natural causes, twelve months for suicide, and no waiting period for accidental death.

Can I add extended family to a Metropolitan funeral plan?

Yes, most family plans allow extended family members such as parents and in-laws, priced on their individual ages and subject to entry-age limits.

Is Metropolitan funeral cover good value?

It is one of the more affordable options for lower cover amounts and is well suited to households wanting accessible service. For maximum cover per rand, compare it against Capitec first.

Funeral Cover · Provider comparison

Metropolitan funeral cover: premiums, benefits and comparison

Metropolitan, part of the Momentum Metropolitan group, has built its funeral book around accessible, community-level cover — low entry premiums, agents on the ground and products designed for households where a funeral payout is the primary financial safety net. If you want affordable family cover without a bank relationship or an adviser appointment, it belongs on your shortlist.

At a glance

Cover commonly from R5,000 to R50,000 per life, with higher tiers available.
Strong agent and branch presence in townships and smaller centres.
Family plans that cover main member, spouse, children and extended family.
Group and employer schemes widely available.

Metropolitan 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	R40 – R85 / month	Low entry point.
R20,000 family	R120 – R230 / month	Popular affordable tier.
R30,000 family	R165 – R310 / month	Main member, spouse, children.
R50,000 family	R270 – R490 / month	Extended family priced by age.

Waiting periods and when cover starts

6 months on natural causes.
Immediate cover for accidental death.
12 months for suicide.
Some group scheme members receive reduced or waived waiting periods.

How to claim from Metropolitan

Claim at a Metropolitan branch, through your agent or via the contact centre.
Provide the certified death certificate, DHA-1663, the deceased's ID and beneficiary banking details.
Valid claims typically settle within 48 hours.
Group-scheme claims may also require confirmation from the employer or scheme administrator.

Metropolitan pros and cons

What works well

Genuinely affordable entry premiums.
Physical accessibility where digital-only insurers don't reach.
Backed by the Momentum Metropolitan group.
Well-established group and employer scheme offering.

What to watch

Maximum cover amounts are lower than Old Mutual or Sanlam on some plans.
No funeral-service benefit.
Agent-sold policies can carry benefits you don't need — check the schedule.

Alternatives to Metropolitan

Capitec: Comparable or lower premiums with fully digital management.
AVBOB: Free funeral service in addition to the cash payout.
Sanlam Sky: Similar mass-market positioning with a wider product range.

Compare Metropolitan against the rest of the market

One short form, quotes from multiple South African providers. Free, no obligation, POPIA compliant.

Compare funeral cover quotes

Metropolitan funeral cover: frequently asked questions

Other funeral cover providers compared

Old Mutual funeral coverPrices, waiting periods and alternatives Capitec 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 Clientèle funeral coverPrices, waiting periods and alternatives

CompareQuotes.co.za is an independent comparison service and is not affiliated with Metropolitan. 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.