Flexible Funeral Cover for Your Whole Family

Add up to 13 people on one policy with a choice of cover limits from R135 pm

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Get the Funeral Plan that suits your budget

Episodic funeral plans pay out cash on the death of a family member. Your premium depends on the number of family members and your choice of cover amounts.

Flexible Plan

Cover just you or up to 13 family members on one policy.


Flexible Cover

R10,000 to R50,000 cover available. Choose the amount of cover for each family member.



Pays out cash within 48 hours of submitting a valid claim after the death of an insured member.


Waiting Periods

Immediate cover for accidental death. 12 months waiting period for suicide & 6 months for other reasons.



No hidden benefits you don't need. Just plain cover for the death of a loved one.



There is no age limit after you join a policy.



Build your plan from R135 pm

Start by choosing a single or family plan. Then add your extended family. Simple.


Cover for just you.

R135 pm
R180 pm
R225 pm


Cover for you & your immediate family. Add up to 7 members with one premium.

R180 pm
R240 pm
R300 pm

Extended Family

Add up to 6 extended family members to your base plan, each with their own cover limit. Premium is per member based on their age.


Want to see some examples of how this works?
Take a look at some typical funeral plan scenarios and see how the premium is calculated.


Read all about it

Download the brochure and policy wording, read it in your own time and let us know when you're ready for a quote.

Funeral Plan BrochureFuneral Plan Policy Wording
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What Funeral Plan are you going to build?

Get a quote and find out



You have Questions, We have Answers

Find answers to the most common questions about Funeral cover below. You can also browse our Help pages and Blog posts for more information.

Who qualifies as Immediate Family?

Immediate Family members on the funeral plan include your spouse and your children.

Your children may be natural, adopted or foster children, as long as they are younger than 21 years and not married. However, if your child is still a registered full-time student, then this age limit is increased to 26 years.

Who qualifies as Extended Family?

Extended Family members on the funeral plan include your:

  • children that don't qualify as immediate family
  • parents, grandparents and grandchildren
  • brothers and sisters
  • aunts and uncles (meaning the brother or sister of your mother or father)
  • nephews and nieces (meaning the children of your brother or sister)

The above must be your (the principal members) family line and not that of your spouse.

What are the payout amounts?

The funeral plan pays out ratios according to the age of the deceased:

  • 14 years or older: 100% of the cover limit
  • 6-13 years: 50% of the cover limit
  • 0-5 years: 25% of the cover limit
  • Stillborn: 25% of the cover limit

What are the Waiting Periods?

  • Accidental death: Immediate cover, no waiting period
  • Suicide: 12 months waiting period
  • Other: 6 month waiting period

Are there any age restrictions?

For Immediate Family:

  • the principal insured member must be at least 18 years old and younger than 65
  • your spouse must be younger than 65 years
  • children must be younger than 21 or, if they are full time students, younger than 26

For Extended Family, all members must be 18 years or older and younger than 85.

There is not cession age, meaning that you are never removed form a policy for being too old. The above age restrictions apply at time of application.

How is the Premium Calculated?

Single and Family policies have a premium that depends on the amount of cover you choose.

For Family policies, the premium is the same regardless of whether you add 1 member or all 6.

You can add Extended Family to any policy and you get to choose the cover amount per member. The premium is calculated according to their age and amount of cover.

For example:

  • I cover myself for R40,000 - premium is R180 pm.
  • I add my wife and two children - new premium is R240
  • I add my 70 year old Mother for R20,000 cover - new premium is R240 + R150 = R390 pm
  • I add my 50 year old brother for R10,000 cover - new premium is R390 + R50 = R440 pm
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Episodic is a top-rated Financial Services Provider with 4.8 stars on Trustpilot and 4.9 stars on Google Reviews. Thanks for sharing the love!
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I am looking forward to be part of this Medical Insurance, it seems that they have thought about everything to ensure their members get the best value for money.
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I can definitely say the initial service and telephone consultation was brilliant. Bradford is a wonderful broker and I felt like I received all the information I required and am very happy with the plan and the rates.
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This was the easiest application ever. Friendly, helping, caring. Thank you Gabby and her team for all the assistance and support. I am proud to be a member. Thank you.
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For not giving up i rate Muneeb 5 stars. I many times could not talk, and didn't take his calls. Then he will email me and ask if I understand the health insurance benefits and policies. And I found him another applicant. I think its a good product for this price. Thank you. We have started our journey with you.
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Once again, Episodic health has exceeded expectations! The efficient, professional manner in which they attend and complete enquiries are to be commended. Within less than 24 hours the enquiry was resolved and you have another happy client! Well done to Elize and Teswin for your efficient service.
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Quick and easy application and very helpful consultant. So far so good!
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I would like to send a huge thanks to Michael [...] for his time, patience and excellent service. Even when I was still trying to decide on which medical insurance company to go with, by far his service stood out from the rest. He explained every detail to me and assured me that if I needed any help, he is just an email away. Thank you Michael.
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Amazing service from Elize [...]. Prompt replies and went out of her way to assist me with my situation. Thanks for making this process seamless.
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