Death benefit claim
Death can occur as a result of natural or unnatural causes.
Natural causes refer to internal factors such as medical conditions, illnesses or diseases. Examples of natural causes are cancer and diabetes.
Unnatural causes refer to external factors such as trauma from an accident. Examples of unnatural causes are suicide and a motor vehicle accident.
If a valid death claim is admitted, the claim amount will be paid to the following people in the following order:
- The cessionary (if any)
- The beneficiary for proceeds (if any)
- The policyholder, if different to the insured life
- The deceased estate, if the insured life and policyholder is the same person
Death benefit claim requirements
- A copy of the death certificate (BI-5).
- A copy of the deceased insured life’s identity document or birth certificate (if younger than 18 years).
- A copy of the notice of death / still birth (DHA-1663) obtainable from the doctor who declared the death.
- The death claim form (CLAIM001E) completed and signed by the claimant or authorised representative of the claimant.
- If death is due to unnatural causes, the unnatural death claim form (CLAIM003E) is also required and must be completed by the Investigating Police Officer.
- The medical certificate for death claim form (CLAIM002E)(required only if the benefit started less than 3 years from the claim event date).
- The POPIA consent form (CLAIM026) completed and signed by the claimant or authorised representative of the claimant.
- Proof of banking details, in the name of the claimant (natural person, minor, deceased estate, legal entity), not older than three months on a bank letterhead or that has a bank stamp on it.