Discovery

Please find below benefits of the Discovery Funeral Plans.

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Funeral Cover.

  • The Funeral Plan option that you choose will determine the funeral cover amounts for you and the other lives assured.
  • The Funeral Cover Benefit is available on both the Classic and Essential Funeral Plan.
    We will pay out a lump sum for any life assured who passes away, based on the benefit table in the Policy Schedule. The waiting periods in clause 20 will apply.
  • This means that the funeral cover will not pay if you or any of the lives assured on the policy die from natural
    causes during a waiting period. The waiting periods do not apply if you or any of the lives assured die as a result of an accident.
  • If a life assured dies from natural causes during a waiting period, any premiums paid for that life assured will be refunded.
  • Once we have received all the documents we need to assess a claim and our requirements to pay out a claim have been met, we aim to pay out the funeral cover amount within 24 hours.
  • The funeral cover for each of the lives assured is set out in the Policy Schedule. The cover amounts in your Policy Schedule increase every year on the policy anniversary, by CPI.
  • Any funeral cover amount for a child or a stillborn child is limited by law. Please refer to section 18 for more information. The annual funeral cover increases may cause the funeral cover amount to be higher than the legal limit. In such cases the funeral cover.

Automatic Baby Cover.

  • We will pay out a lump-sum amount if a child, born to you or your spouse (insured as spouse on the policy), dies within three months of its birth, or if your child or the child of your spouse (insured as spouse on the policy) is stillborn.
  • The Automatic Baby Cover Benefit is available on both the Classic and Essential Funeral Plan.
  • No benefit will be paid for a child or stillborn while you or your spouse (insured as spouse on the policy) are still in the waiting period.
  • This cover is limited to a maximum of two payouts per policy.
  • No benefit will be paid for a child or a stillborn if the pregnancy term is shorter than 26 weeks.

Waiting Period.

  • The waiting period will be:
  • The waiting period does not apply for accidental deaths.
  • A waiting period applies from the start date of this policy, on all benefits for any life assured. A waiting period applies from the date a new life assured is added to the policy for the funeral cover amount of the new life assured. No funeral cover amount will be paid for a natural death during the waiting period.
  1. Six calendar months from the start date of the policy for you, your spouse, children, parents and parents-in-law covered under this policy.
  2. Nine calendar months from the start date of the policy for any extended family covered under the policy.
  • The waiting period will also apply on the increased funeral cover amount for all lives assured, from the date when cover is increased.
  • If you or a life assured dies of natural causes during the waiting period, Discovery Life will refund the premiums for that life assured.

Accidental Death Benefit.

  • If you or your spouse dies because of an accident, the total funeral cover amount will be double the funeral cover amount stated in the Policy Schedule. Your spouse must be insured as a spouse on the policy for the benefit to pay out on the death of your spouse.
  • The Accidental Death Benefit is available on both the Classic and Essential Funeral Plan.
  • If any other life assured dies because of an accident, the funeral cover amount will be the same as the funeral cover amount stated in the Policy Schedule.
  • The waiting periods referred to in the previous section do not apply if you or any of the lives assured die as a result of an accident.
  • The accident that leads to the death of a life assured must occur after the start date of the policy, or after we have accepted the addition of the lives assured on the policy, as the case may be.

Educational Benefit.

  • If you or your spouse, insured as a spouse on the policy, dies, the Education Benefit as stated on your Policy Schedule will be paid out for each child insured as child on the policy on your or your spouse’s death.
  • The Education Benefit is available on both the Classic and Essential Funeral Plan.
  • The Education Benefit will not apply to a child who is insured as extended family.
  • The Education Benefit will increase every year by CPI.
  • If the Education Benefit has been paid it will not be available again if your spouse chooses the continuation option.
  • The benefit will only be paid once on the earlier date of your or your spouse’s death.

Memorial Benefit.

  • If you or your spouse (insured as a spouse on the policy) dies, the Memorial Benefit amount stated on your Policy Schedule will be paid at death. The benefit increases by CPI every year, on your policy anniversary.
  • The Memorial Benefit is available on both the Classic Funeral Plan and the Essential Funeral Plan.

Grocery Benefit.

  • If you or your spouse (insured as a spouse on the policy) dies, the Grocery Benefit amount stated on your Policy Schedule will be paid at death. The benefit increases by CPI every year, on your policy anniversary.
  • The Grocery Benefit is available on both the Classic and Essential Funeral Plan.

Claims details for Discovery.

We need the following information for this claim

  •  DHA1663, notification of death/still birth. All 3 pages to be
    submitted as the claim cannot be finalized without this document.
  • Certified copy of identity document of policy holder.

Certified copy of identity document of policy holder.

  • Certified copy of identity document of policy holder.
  • Fax it to (011) 539 2508
  • Deliver it by hand to Discovery Life Claims, 3rd floor, Zone H3, 155 West
    Street, Sandton
  • Post it to PO Box 3017, Rivonia, 2128.

Please make sure all certified copies are clear and that your writing is legible on all forms, as this will allow us to pay you as soon as possible
if the claim is approved.

If you have any questions, please call us on 0860 103 905 or email us at
discclaims@discovery.co.za