Funeral
Benefits / Funeral
Benefits / Funeral
Funeral Benefit
The funeral benefit will help pay for funeral expenses in the event of a death
Base Option
We will pay the following amounts for you and your family, if they are included on your membership, if the cause of death is as a result of natural causes (a 3 month waiting period applies):
You, your spouse and children over 14 = R10 000
Children between 6 and 13 = R5 000
Children between 1 and 5 = R2 500
Children under 1 = R1 250
Stillborn babies past 28 weeks gestation = R750
We will pay the following amounts for you and your family, if they are
included on your membership, if the cause of death is as a result of unnatural causes:
You, your spouse and children over 14 = R20 000
Children between 6 and 13 = R10 000
Children between 1 and 5 = R5 000
Children under 1 = R2 500
Stillborn babies past 28 weeks gestation = R1 500
Standard Option
We will pay the following amounts for you and your family, if they are included on your membership, if the cause of death is as a result of natural causes (a 3 month waiting period applies):
You, your spouse and children over 14 = R15 000
Children between 6 and 13 = R7 500
Children between 1 and 5 = R3 750
Children under 1 = R1 875
Stillborn babies past 28 weeks gestation = R1 125
We will pay the following amounts for you and your family, if they are
included on your membership, if the cause of death is as a result of unnatural
causes:
You, your spouse and children over 14 = R30 000
Children between 6 and 13 = R15 000
Children between 1 and 5 = R7 500
Children under 1 = R3 750
Stillborn babies past 28 weeks gestation = R2 250
The funeral benefit will help pay for the funeral expenses in the event that you, your spouse or one of your children passes away, if you have this benefit. The funeral benefit also includes a repatriation benefit, should you or your family, if they are included on your membership, pass away within South Africa or the neighboring countries, Botswana, Lesotho, Mozambique, Namibia, Swaziland or Zimbabwe, more than 100km from your normal place of residence.
Special care is taken to consider particular customs and beliefs. The repatriation benefit includes road or air repatriation of the mortal remains of the deceased to a funeral home closest to their normal place of residence, as well as assistance with the necessary documentation and co-ordination with the authorities to transport the deceased’s mortal remains back to their normal place of residence. Transfer of the ashes of the deceased (in the event of cremation) to their normal place of residence is also provided. The next of kin of the deceased will have access to a 24-hour bereavement counselling line. Where family members
are required to identify the deceased or wish to accompany the deceased to the final funeral home, closest to the place of burial, one night accommodation to the value of R1 000 is arranged and paid for by Europ Assistance. Repatriation services are provided through Europ Assistance 24 hours a day, 7 days a week and 365 days a year.
If you pass away, the funeral benefit will be paid to your beneficiary or spouse. If one of your family members passes away, the benefit will be paid to you.
Funeral benefit claims have to be submitted within four months of the claim event date (the date of death). If you do not submit your claim within four months of the claim event date, your claim will be rejected.
Please check on your Health4Me membership certificate if you and your family (if they are included on your membership) have the funeral benefit.
Stillborn child shall mean a child whose death occurs after the 28th week of pregnancy but before a live delivery.
The repatriation benefit includes:
No Benefit will be payable for any claim if it is in any direct or indirect way caused by, related to, or a
result of:
1. any nuclear reaction or nuclear radiation;
2. active participation in war, invasion, act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, military uprising, military or usurped power, martial law, insurrection, rebellion or revolution;
3. active participation in any mutiny, riot or civil commotion that assumes the proportions of or amounts to a popular uprising;
4. any act of terrorism or action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism, even if there are other causes or events that contribute to the claim at any stage. In this Policy terrorism means an act, the threat of an act, or any preparation for an act:
a. which may or may not involve violence or the use of force by any person or group (whether they are acting alone or on behalf of or in connection with any organisation, regime or any constitutional or practicing government);
b. that is, or appears to be, intended to intimidate, harm or influence any government, the public, or a section of the public, or to disrupt any segment of the economy; or
c. from its nature or context appears to be done in connection with political, social, religious, ideological or similar causes or objectives;
5. excessive use of intoxicating liquor, wilful inhalation of gas or taking of poisons, drugs or narcotics (except under proper medical direction);
6. any violation of the criminal law by the Member, or any event occurring whilst the Member is in violation of the criminal law;
7. mining or using explosives unless as part of an occupation for commercial purposes;
8. any hazardous activity, including but not limited to motorised racing/speed contests, speed trials, boxing (including kick-boxing) or fighting or any kind, except in self-defence;
9. any risky or dangerous activities which, in the opinion of the Insurer, may expose the Insured Life to a higher than average risk of injury; or
10. death of a Member due to suicide or as a result of an attempted suicide within the first twelve months of the Member’s policy inception date
Momentum Health4Me is not a medical scheme product, and is not a substitute for medical scheme membership. The information provided on this website does not constitute advice in terms of the Financial Advisory and Intermediary Services Act. Momentum is a division of Momentum Metropolitan Life Limited, an authorised financial services provider (FSP 6406) and a wholly owned subsidiary of Momentum Metropolitan Holdings Limited.
Bloom Gap Cover is not a medical Scheme. Products that are offered are not the same as that of a medical scheme.
© Bloom Financial Services 2022. Bloom Financial Services (Pty) Ltd is an authorised financial services provider (FSP 50140). Bloom Gap is underwritten by Guardrisk Insurance Company Limited (FSP No 75).
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