Quick Facts

• Cover amounts from R30,000 to R100,000
• Cover up to 13 family members on one policy
• Pause cover for up to 3 months if needed
• Must be South African citizen with valid ID
• Premiums increase by 5% annually

What is Outsurance Funeral Cover?

Outsurance funeral cover is insurance that pays money when someone dies. The money helps your family pay for the funeral. This means they do not have to worry about money during a sad time.

Outsurance started offering funeral cover in June 2018. It is a separate product from their life insurance. You can buy it on its own.

The cover is flexible. You can change the amount of cover you need. You can also add or remove family members. If you cannot afford to pay for a few months, you can pause the cover.

Who Can Apply for Outsurance Funeral Cover?

You must meet these requirements:

• Be at least 18 years old
• Have a valid South African ID number
• Be a South African citizen
• Live in South Africa for at least 6 months per year
• Maximum age to apply is 69 years old

All family members on your policy must:

• Be South African citizens
• Live in South Africa for at least 6 months per year
• Not be temporary residents or foreign nationals

💰 Cover Amounts and Costs

Outsurance lets you choose how much cover you want. You can change this amount later if needed.

Cover Amount Options

Cover Amount	What It Covers
R30,000 minimum	Basic funeral costs
R50,000 – R75,000	Standard funeral with extras
R100,000 maximum	More expensive funeral

How Premiums Work

Your monthly premium depends on several things:

• Your age (older people pay more)
• The amount of cover you choose
• How many family members you add
• Which extra benefits you select

Important: Your premium increases by 5% every year on your policy anniversary date. This happens automatically.

Who Can You Cover on Your Policy?

You can cover up to 13 family members on one Outsurance funeral policy. This includes yourself plus 12 other people.

Standard Family Members (Up to 12 people)

• Yourself – the main person on the policy
• Your spouse – married by law or customary law (if only lobola paid, you can still add them)
• Up to 8 children – biological, step-children, or legally adopted (must be under 21 when added)
• Your parents – must be added before they turn 70
• Your parents-in-law – must be added before they turn 70

Extended Family Members (Optional)

You can also add extended family for extra cost:

• Brothers and sisters
• Your siblings’ spouses
• Grandparents and grandchildren
• Aunts and uncles
• First cousins
• Nieces and nephews
• Your children’s spouses

✅ Key Benefits of Outsurance Funeral Cover

1. Pause and Play Feature

If money is tight, you can pause your cover for up to 3 months. During this time:

• You do not pay any premiums
• You have no cover during the pause
• You can restart anytime within 3 months
• No waiting periods when you restart
• After 3 months, cover restarts automatically

2. Bonus Month

After paying 12 months of premiums, you get one bonus month of free cover. You can save up to 3 bonus months to use when you need them.

3. Premium Waiver Benefit

If the main person on the policy dies and the claim is paid:

• Everyone else stays covered for 3 more months
• No premiums need to be paid during this time
• Policy cancels after 3 months

4. Repatriation Benefit

If someone dies more than 100km from the funeral home, Outsurance will pay to transport the body. This covers transport within South Africa and to nearby countries:

• Lesotho
• Eswatini (Swaziland)
• Zimbabwe
• Namibia
• Botswana
• Mozambique

5. Optional Cash Benefits (R5,000 each)

You can add these benefits for extra cost:

• Transport benefit – for attendees to get to the funeral
• Tombstone benefit – to buy a headstone
• Catering benefit – for food at the funeral
• Marquee benefit – to rent a tent
• After tears benefit – for the after-funeral gathering

6. Stillborn Benefit

If a baby is stillborn after 26 weeks of pregnancy, Outsurance pays R5,000. The mother must be the main person covered or the spouse on the policy.

How to Apply for Outsurance Funeral Cover

Step 1: Get a Quote

You can get a quote in three ways:

• Website: Visit www.outsurance.co.za and complete the online form
• App: Download the Outsurance app and request a quote
• Phone: Call 08 600 70 000 to speak to a consultant

Step 2: Provide Your Information

You will need to give:

• Your ID number
• Your age and gender
• Your monthly income
• Contact details (phone, email, address)
• How much cover you want
• Details of family members to add

Step 3: Review Your Quote

Your quote will show your monthly premium. You can adjust the cover amount or remove family members if the cost is too high.

Step 4: Complete the Application

Once happy with the quote, complete the application form. You will need bank details for the debit order payment.

Step 5: Receive Your Policy

You will receive your policy documents by email. Read them carefully. Make sure all details are correct.

🚨 CRITICAL: Avoiding Funeral Cover Scams

Warning: Funeral cover scams are very common in South Africa. Criminals steal millions of rands from people who think they have real insurance.

Common Scam Tactics

• Fake application forms: Scammers ask you to fill forms for “competitions” or “food vouchers” but secretly sign you up for fake policies
• Social media offers: Beautiful promises on Facebook or WhatsApp from unlicensed people
• Too cheap to be true: R30 per month for R50,000 cover is a scam
• Public place approaches: Strangers at taxi ranks, malls, or queues selling “great deals”
• No policy documents: If you have no proper policy papers, it is likely fake
• Unknown beneficiaries: The scammer lists themselves or strangers as beneficiaries

How to Verify Legitimate Outsurance Cover

Check This	What to Look For
FSP Number	Outsurance FSP number is on all documents
FSCA Registration	Check www.fsca.co.za to verify registration
Policy Documents	You must receive proper policy papers
Official Contact	Only use 08 600 70 000 or www.outsurance.co.za
Licensed Insurer	Outsurance is a licensed long-term insurer

Red Flags – Do Not Buy If You See These Signs

• ❌ Person approaches you in public places
• ❌ Pressure to sign immediately
• ❌ Asked to sign blank forms
• ❌ Premium way too cheap for the cover amount
• ❌ No physical address or proper office
• ❌ Cannot find FSP number or FSCA registration
• ❌ Vague promises about benefits
• ❌ SMS with links to authorize debit orders
• ❌ Cannot access policy online
• ❌ No proper email confirmation

What to Do If You Think You Were Scammed

1. Contact your bank immediately to stop the debit order
2. Report to the South African Police Service
3. Report to the FSCA: 0800 110 443 or www.fsca.co.za
4. Report to FAIS Ombud: info@faisombud.co.za
5. Report to South African Fraud Prevention Service
6. Check your bank statements for unauthorized deductions

How to Make a Claim with Outsurance

Step 1: Notify Outsurance

Contact Outsurance as soon as possible after the death:

• Claims line: 08 600 70 000
• Available: Monday to Friday, 7am to 6pm
• Saturday: 8am to 1pm
• Online: Through Outsurance app or website portal

Step 2: Submit Required Documents

You will need to provide:

• Certified copy of the death certificate (BI-1663)
• Certified copy of the deceased person’s ID
• Completed claim form from Outsurance
• Proof of banking details for payment
• Policy number

Step 3: Claim Assessment

Outsurance will review your claim and documents. They may contact you if they need more information. They check:

• That the policy was active and paid up
• That all documents are correct and certified
• That the waiting period (if any) has passed
• That the claim is valid under the policy terms

Step 4: Payment

Once approved, Outsurance pays the money into the bank account you provided. For accidental death, payment can be immediate if all documents are in order.

Outsurance vs Other Funeral Cover Providers

Feature	Outsurance	Typical Other Providers
Cover Amount	R30,000 – R100,000	R10,000 – R70,000
Maximum Age	69 years	65-85 years (varies)
Pause Feature	Yes – up to 3 months	Rarely offered
Bonus Month	Yes – after 12 months	Not common
Children Coverage	Lifetime (even after 21)	Usually ends at 21
Premium Increase	5% per year	Varies (5-10% per year)

📞 Important Contact Information

Outsurance Contact Details

• Client Care: 08 600 70 000
• Claims Line: 08 600 70 000
• Help@OUT (Emergency): 08 600 80 000
• Email: clientcareassist@out.co.za
• Website: www.outsurance.co.za
• Hours: Monday-Friday 7am-6pm, Saturday 8am-1pm
• Postal Address: P.O. Box 8443, Centurion 0046

Consumer Protection Contacts

• Financial Sector Conduct Authority (FSCA): 0800 110 443 | www.fsca.co.za
• FAIS Ombud: info@faisombud.co.za | www.faisombud.co.za
• Long-term Insurance Ombudsman: 021 657 5000 | complaints@ombud.co.za
• National Consumer Commission: 0860 003 600
• South African Police Service: 10111 (emergencies) or 08600 10111

Frequently Asked Questions

Can foreigners get Outsurance funeral cover?

No. You must be a South African citizen with a valid ID number. Permanent residents and foreign nationals cannot apply.

What happens if I miss a premium payment?

If you miss payments, your policy may cancel. Rather use the pause feature if you know you cannot pay. This keeps your policy active for when you start paying again.

Can I increase my cover amount later?

Yes, you can increase or decrease your cover amount at any time. If you increase it, waiting periods will apply to the extra amount.

Do I need a medical exam?

No. Outsurance funeral cover does not require medical exams. This makes it easier to apply.

What if I already have life insurance with Outsurance?

Check if your life insurance includes funeral benefits. You may not need separate funeral cover. Contact Outsurance to review your policies and avoid paying twice for similar cover.

How long does a claim take to pay?

Once all documents are submitted and verified, claims are typically paid within a few days. Accidental death claims may be faster. Contact Outsurance for updates on your specific claim.

Outsurance funeral cover is a solid choice if:

• You are under 69 and a South African citizen
• You want flexible cover you can adjust
• You need the pause feature for difficult times
• You want children covered for life
• You prefer dealing with a well-known company

Things to consider:

• Premiums increase 5% every year
• Some benefits cost extra
• Compare with at least 2-3 other providers
• Make sure the total monthly cost fits your budget
• Read all policy documents carefully before signing

Most important: Only apply through official Outsurance channels. Never trust strangers selling funeral cover in public places. Always verify FSP registration with the FSCA. Get everything in writing.