Jpf-Funeral slider

JPF Funeral Cover Slider

Introducing the ALL NEW online do-it-yourself JPF PERSONAL FUNERAL COVER from as little as R33 per month

It has never been so easy to take out cover in just a few quick and convenient steps.

If you pass away, your family can use the payout to cover funeral costs associated with arranging a funeral

By taking out JPF FUNERAL COVER you can be rest assured that you and your loved ones will be looked after in a time of great mourning. After receiving all fully completed required documentation, the claims committee will review it and if no additional documentation is needed, the underwriter aims to settle the claim within 72 hours.

If the Policyholder dies as a result of an Accident, DOUBLE the benefit (Sum Insured of this policy) will be paid out.

Apply online now for JPF FUNERAL COVER

Funeral Cover in one easy slide:

Cover Amount : 0
Premium: 0 per month

Input your current age:

Select your Funeral Cover amount :

1. Policy Features:

Cover amounts are available in units of R1000 with a minimum of R10 000 up to a maximum of R50 000 for funeral cover and this is a single life Funeral Cover.

A waiting period of 6 months applies in the case of death due to natural causes. During the first six months after commencement of insurance, the policyholder will only enjoy cover in the case of death due unnatural causes. Suicide is excluded for the first 12 months from the commencement date.

Cover is granted without any medical proof of insurability.

No age, gender or smoker differentiation for this product. Everyone pays the same premium rate for the amount of chosen cover. There is also no inflation related premium increases for this product.

After receiving all fully completed required documentation, the claims committee will review it and if no additional documentation is needed, the underwriter aims to settle the claim within 72 hours.

2. Frequently Asked Questions: (FAQ's)

Q: Who qualifies for this cover?

A: Anyone between the ages of 18 and 64 can apply for this policy. You can stay a policyholder until death.

Q: Are there any medical exclusions for this cover?

A: No. Cover is granted without any medical proof of insurability

Q: Are there any other exclusions for this cover?

A: Waiting periods of 6 months applies in the case of death due to natural causes. During the first six months after commencement of insurance, the policyholder will only enjoy cover in the case of death due to unnatural causes. Suicide is excluded for the first 12 months from the commencement date.

Q: Can children also get cover under this policy?

A: No. Minimum inception age is 18.

Q: What information is needed when you submit a claim?

A: For a speedy pay out, the claimant must supply JPF with the following documentation;

Fully completed Claim Notification Form,
Proof of death: (B1-5) original certified copy of the computer produced Death Certificate,
Certified copy of Policyholder’s Identity Document,
Certified copy of deceased’s ID document,
a Copy of the Policy Certificate.
Certified copy of the DHA1663 Notice of Death Form.
Proof of address of claimant (not older than 3 months).
Claim form can be downloaded here

Q: Who gets the money in the event of my death?

A: You need to appoint a beneficiary, to whom the benefit will be payable in the event of your death.

Q: What does a single life funeral cover mean?

A: It means only one person’s life is covered per policy. For example: A husband takes out R10 000 JPF funeral cover for R33 per month, the policy payout will only be for his life and does not include the life of his wife and/or children. They would have to take out individual funeral cover policies for each of them separately.

CLAIM EVENT / INCIDENT	% OF COVER AMOUNT
1. DEATH	100%
2. BURNS: Third-degree burn wounds, full thickness of the skin that cover at least 20% of the body surface.	100%
3. COMA: A condition of unconsciousness where the life insured:
Presents with a Glasgow Coma Scale of 8 or less, and
Is dependent on life-sustaining aids, such as a ventilator and intravenous infusion, for an uninterrupted period of at least 96 hours.	100%
4. TOTAL VISION LOSS: Total, permanent and irrecoverable loss of vision in an eye.
ONE EYE	60%
TWO EYES	100%
5. TOTAL HEARING LOSS: Total, permanent and irrecoverable loss of hearing in an ear.
ONE EAR	20%
TWO EARS	75%
6. AMPUTATIONS: Complete physical severance of the applicable part of the body. Surgical reconstruction after amputation will not affect the benefit.
THUMB	30%
ONE FINGER, OTHER THAN THUMB	5%
TWO FINGERS, OTHER THAN THUMB	10%
THREE FINGERS, OTHER THAN THUMB	20%
FOUR FINGERS, OTHER THAN THUMB	40%
HAND	70%
ARM	80%
FOOT	50%
LEG BELOW KNEE	60%
LEG ABOVE KNEE	70%
7. PLEGIA:
PARAPLEGIA - Total, permanent and irrecoverable loss of function of both lower extremities, with or without loss of bowel or bladder function.	100%
QUADRUPLEGIA - Total, permanent and irrecoverable loss of function of all four limbs.	100%
8. GUNSHOT-WOUND: Penetration of the skull, chest or abdomen, requiring surgical exploration under general anaesthetic.
9. PENETRATING STAB-WOUND: Penetration by a sharp object through the skull, or into the chest or abdominal cavities, resulting in surgical exploration of the skull, or cavity concerned, under general anaesthetic.
HEAD	60%
CHEST WITH UNDER WATER DRAIN	25%
CHEST WITH THORACOTOMY	50%
ABDOMEN	40%
NECK, with damage to one or more of the following:
- subclavian or carotid artery - oesophagus - trachea	40%
MULTIBLE RIB FRACTURES: Numerous rib fractures, requiring ventilation in an intensive care unit in order to sustain a stable blood-gas profile.	80%
UNSTABLE PELVIS FRACTURES: More than one fracture of the pelvic framework, resulting in instability, and requiring surgical intervention.	60%
LOSS OF BOWEL OR BLADDER FUNCTION, with permanent stoma or indwelling catheter: Total, permanent and irrecoverable loss of function of the bowel or bladder, resulting in a permanent stoma or indwelling catheter.	50%
10. LOSS OF FUNCTION OF A LIMB, EXCLUDING AMPUTATION: Total, permanent and irrecoverable loss of function of a limb. Maximum medical improvement must have been reached with little or no chance of significant further improvement. The loss of function will be estimated after all medical, surgical and rehabilitation measures have been applied.
50% loss of upper arm	50%
80% loss of upper arm	80%
50% loss of lower leg	40%
75% loss of lower leg	70%
11. FRACTURE DISLOCATION OF THE SPINE: Objective radiological evidence of a fracture dislocation of the spine, with or without neurological deficit.
WITHOUT NEUROLOGICAL DEFICIT	50%
WITH INCOMPLETE NEUROLOGICAL DEFICIT	75%
12. POST-TRAUMATIC FAT-EMBOLISM OF THE LUNG:
Fat-embolism of the lungs, confirmed by a ventilation-perfusion (VQ) scan.	30%
13. LIVER OR SPLEEN RUPTURE:
Rupture of the liver or spleen, necessitating emergency laparotomy and surgical repair or splenectomy.	40%