What to do if you have funeral cover?

It is so easy to talk about not having something and how to plan or make your situation work, but for those that are organised and have funeral cover, there are things to consider when it comes to claims stage, here are basic points to consider when you need to claim on an existing funeral policy.

Funeral claim procedure

There are two ways you will be able to claim on an active funeral policy, the first is as the beneficiary and the second as the insured. If you are a beneficiary on a policy, it means that the person who took out the policy has passed away and that you receive the insured amount to bury your loved one.

Once you have the funeral policy details, you can call the claims department of your insurer. Their information should be easy to find in the policy documents or you can do a quick Google search. You can contact them even if you do this without having a death certificate, even though this is a pre-requisite before the claim will be paid. Remember the name of the person you are dealing with at your insurance company, this way when you need to call in or correspond in any other format, you do not need to continue repeating yourself during your time of grief and they can guide you through the entire claims process.

Insurance companies also promise to pay out claims within 48 hours. This will only be the case, if there is a valid claim on the deceased and that all documents requested by your insurer have been supplied by you, the beneficiary or insured. It is important to understand this, you will need to get all the documents that your insurer asks for you, so that you can complete the funeral claim.

The documents you need to submit can include the funeral plan claim form, which is a unique form per insurance company. This form will contain a summary of all the important information the claims consultant and underwriters will need. Other documents to be aware of are certified copies of the death certificate, the deceased’s ID book as well as the beneficiaries’ ID book/s. Another document that the claims assessor might ask for, is the medical report of the deceased, this is dependent on the nature of the claim and the circumstances surrounding the death. These are the most important items to be aware of but note there might be other information that your claims consultant can ask for.

If you are responsible enough to have funeral cover and if you have the policy information on hand, remember that during your time of grief the people you work with, from insurer to funeral parlour, are there to help you, but they can only do this if you help them by providing them all the information they need to make the payment and help you lay your loved one to rest, quickly and effortlessly.