frequently asked questions

Frequently Asked Questions

  1. What is the waiting period for natural death? 6 months
  1. What is the waiting period for suicide? 12 months
  1. What is the waiting period for accidental death? Immediate after receiving 1st premium
  1. Who is the underwriter for Asante Funeral? African Unity
  1. What is maximum cover that a client will get on family plan? R25 000.00
  1. Does Asante Funeral cover members in SADC countries? Yes it does but the members must be declared on the application form
  1. If the client chooses cash option does s/he is going to get airtime and grocery allowance? No, the allowances are for service option only
  1. Can a client choose both cash and service option? No, the client has to choose one when claiming
  1. Does Asante Funeral pay out the claim if the client’s policy is in arrears? No . The client must make sure the premiums are paid on monthly basis.
  1. Where can premiums be paid? Debit order or Pay at (Shoprite, Checkers, Pick n Pay, Boxer, Pep, Ackermans, Woolworths, Bradlows)
  1. How long can the beneficiary send the claim for it to be considered after the death of the deceased? 6 months. The beneficiary has to make sure s/he sends the required documents within 6 months after the death
  1. How many children can be added by the main member? 5 (Five) . Make sure there are declared on application form
  1. How many extended family members can be added by the main member? 6(six) .Make sure there are declared on application form
  1. Are the premiums guaranteed? Premiums are not guaranteed and can be adjusted by the insurer at any time
  1. What is the maximum age entry for extended family members? 85 years
  1. How the premiums for extended family are be calculated? The premiums are calculated per individual
  1. Children are covered up to how many years? Children are covered up to age 21 if not married. They will need to be moved to extended family members option if there are over 21 years old
  1. What is the maximum age entry for spouse? 65 years
  1. What are the exclusions on Asante Funeral? Involved in crime activities
  1. Does Asante Funeral cover a full time student who is above 21 years? Yes it covers until the age of 26 years
  1. How long physically or mentally disabled children are to be covered? Covered for life
  1. May the main member cancel the policy? Yes the policyholder may cancel the policy any time after giving 30 days’ notice
  1. What happens if the policy holder dies during waiting period? All the premiums will be refunded back
  1. What is the cooling off period?  31 days cooling off period and client will get the refund
  1. Does the discounted Grocery coupon apply to all members? Only applies to the principal insured. R500 worth of discounted grocery coupons to be provided per month and it’s redeemable at any Shoprite or Checkers outlet.
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