Kunene Makopo Risk Solutions

Funeral plans

Care for the people who matter.

Explore KM, UP and ZionPlus funeral plans. Compare benefits, cover options and premiums for yourself and your family.

01 / Funeral cover

KM Funeral Plans

Compare three family cover options and four cover levels for extended family members.

Executive Family Cover

Cover for the principal member, spouse and children, with benefits by age.

Executive Family Cover

Option A

Family benefits and premium rates
Principal member
R12,500
Spouse
R12,500
Child 14–21 years
R12,500
Child 6–13 years
R5,000
Child 1–5 years
R3,000
Child 0–11 months
R3,000
Stillborn
R3,000
Waiting period
6 months
Premium rate
R77

Additional members

Extended Family Cover

Cover for each extended family member, up to age 75.

R7,000 cover
R53 premium6 months waiting
R12,500 cover
R101 premium6 months waiting
R15,000 cover
R135 premium6 months waiting
R25,000 cover
R166 premium6 months waiting
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Executive Family Cover

Option B

Family benefits and premium rates
Principal member
R25,000
Spouse
R25,000
Child 14–21 years
R15,000
Child 6–13 years
R10,000
Child 1–5 years
R5,000
Child 0–11 months
R5,000
Stillborn
R5,000
Waiting period
6 months
Premium rate
R135

Additional members

Extended Family Cover

Cover for each extended family member, up to age 75.

R7,000 cover
R53 premium6 months waiting
R12,500 cover
R101 premium6 months waiting
R15,000 cover
R135 premium6 months waiting
R25,000 cover
R166 premium6 months waiting
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Executive Family Cover

Option C

Family benefits and premium rates
Principal member
R30,000
Spouse
R30,000
Child 14–21 years
R30,000
Child 6–13 years
R15,000
Child 1–5 years
R7,500
Child 0–11 months
R7,500
Stillborn
R7,500
Waiting period
6 months
Premium rate
R154

Additional members

Extended Family Cover

Cover for each extended family member, up to age 75.

R7,000 cover
R53 premium6 months waiting
R12,500 cover
R101 premium6 months waiting
R15,000 cover
R135 premium6 months waiting
R25,000 cover
R166 premium6 months waiting
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KM cover and claims information
  • Underwritten by Safrican. Claims are administered by Genlife.
  • Claims must be submitted to the administrator within six months of the death of the assured life.
  • A valid claim requires the prescribed claim form and supporting documents, including certified death and identity documents and the payee’s bank details. Additional documents may be requested.
  • Stillborn children of an extended member are not covered.

02 / Funeral cover

UP Funeral Plans

UP in partnership with KMRS. Choose a family size and benefit level, then compare monthly premiums by age band.

1+5 Family Plan

Principal member + up to 5 extended family members.

Monthly premiums by age band

Funeral Benefit (Monthly Premium)

R10,000 Cover

Under 65
R87.53
65–69
R109.94
70–74
R131.30
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Funeral Benefit (Monthly Premium)

R15,000 Cover

Under 65
R130.68
65–69
R164.88
70–74
R205.20
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Funeral Benefit (Monthly Premium)

R20,000 Cover

Under 65
R174.25
65–69
R219.84
70–74
R273.53
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Funeral Benefit (Monthly Premium)

R30,000 Cover

Under 65
R261.39
65–69
R329.78
70–74
R410.33
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All premiums include cover for the principal member and selected dependants.

1+9 Family Plan

Principal member + up to 9 extended family members.

Monthly premiums by age band

Funeral Benefit (Monthly Premium)

R10,000 Cover

Under 65
R138.20
65–69
R172.75
70–74
R207.25
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Funeral Benefit (Monthly Premium)

R15,000 Cover

Under 65
R207.36
65–69
R259.15
70–74
R306.16
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Funeral Benefit (Monthly Premium)

R20,000 Cover

Under 65
R276.50
65–69
R345.51
70–74
R408.23
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Funeral Benefit (Monthly Premium)

R30,000 Cover

Under 65
R414.70
65–69
R618.28
70–74
R612.33
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All premiums include cover for the principal member and selected dependants.

UP benefits, eligibility and important information
  • Extended family may include a spouse or life partner, children, parents or parents-in-law, siblings, grandchildren and other extended family members as defined by the policy.
  • Benefits include funeral assistance and support through the claims process.
  • This is a voluntary, employee-paid product. Cover is subject to underwriting, policy terms and conditions.
  • Waiting periods, exclusions and limitations may apply. Benefits are paid in accordance with the policy rules.
  • The treatment and eligibility of members aged 75 and above is subject to confirmation by the underwriter.
  • Underwritten by Safrican Insurance Company Limited, a licensed insurer and authorised Financial Services Provider.

03 / Funeral cover

ZionPlus Funeral Plans

Explore family and individual cover at three benefit levels, or the Member + 9 option.

Family Cover

Three benefit levels for the principal member, spouse and children.

Family cover benefits

R15,000 cover

Family cover benefits

Principal member
R15,000
Spouse
R15,000
Child 14–21 years
R15,000
Child 6–13 years
R7,500
Child 1–5 years
R3,750
Child 0–11 months
R1,875
Stillborn
R1,875

Premium by age entry

18–64 years
R55
65–74 years
R152
75–84 years
R311
85–120 years
R475
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R20,000 cover

Family cover benefits

Principal member
R20,000
Spouse
R20,000
Child 14–21 years
R20,000
Child 6–13 years
R10,000
Child 1–5 years
R5,000
Child 0–11 months
R2,500
Stillborn
R2,500

Premium by age entry

18–64 years
R67
65–74 years
R197
75–84 years
R405
85–120 years
R625
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R30,000 cover

Family cover benefits

Principal member
R30,000
Spouse
R30,000
Child 14–21 years
R30,000
Child 6–13 years
R15,000
Child 1–5 years
R7,500
Child 0–11 months
R3,750
Stillborn
R3,750

Premium by age entry

18–64 years
R91
65–74 years
R285
75–84 years
R605
85–120 years
R930
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Individual Cover

Cover for the principal member only, with a choice of R15,000, R20,000 or R30,000 benefits.

Individual premium rates by age entry level

R15,000 cover

18–64 years
R37
65–74 years
R90
75–84 years
R175
85–120 years
R260
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R20,000 cover

18–64 years
R45
65–74 years
R115
75–84 years
R225
85–120 years
R340
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R30,000 cover

18–64 years
R55
65–74 years
R156
75–84 years
R325
85–120 years
R497
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Member + 9

Funeral Parlour Member Plus cover, with two principal-member age bands.

Member + 9 benefits and monthly premiums

Principal member 18–64

Principal member
R20,000
Spouse
R20,000
Child 14–21 years
R20,000
Child 6–13 years
R20,000
Child 1–5 years
R20,000
Child 0–11 months
R10,000
Extended family
R20,000
Extended family age band
0–64 years
Monthly premium per principal member
R350
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Principal member 65–74

Principal member
R20,000
Spouse
R20,000
Child 14–21 years
R20,000
Child 6–13 years
R20,000
Child 1–5 years
R20,000
Child 0–11 months
R10,000
Extended family
R20,000
Extended family age band
65–74 years
Monthly premium per principal member
R456
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About the ZionPlus cover options
  • Family and individual cover premiums are shown by age entry level. Family benefit amounts differ by the child’s age.
  • Member + 9 premiums are monthly rates per principal member. The extended family age bands are shown separately in the benefits table.

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