Dial Direct Funeral Cover Review

Written by Better Insurance
Mar 29, 2023

Dial Direct Funeral Cover at a Glance

Funeral policy covers both natural and accidental death.
Up to 6 different family cover plans.
Includes repatriation services.

6.8

What we like:

Dial Direct offers some of the most affordable funeral insurance products in South Africa. The starting price for its funeral cover is R26 per premium. The goal is to make these products accessible to virtually all levels of income earners.

Best for:

If you are looking for an insurance provider that allows you to extend coverage to include all your loved ones, Dial Direct is an option for you in South Africa. Policyholders can also modify coverage to include extended family members.

Pros

Comprehensive cover for natural and accidental deaths, including repatriation services.
Family Cover option includes dependents up to the age of 21.
Extension of cover available.

Cons

No unique discount.

Dial Direct funeral cover is designed to alleviate the financial responsibilities of a policyholder’s loved ones when the policyholder or covered family member dies. The company has made an arrangement that ensures that new policyholders are subject to a minimal waiting period before their coverage can take effect. Dial Direct Funeral Cover is under the category of its Value Added Products, which is a portfolio of standalone insurance products and products that are designed to augment the benefits of existing policies.

This review provides an overview of Dial Direct Funeral Cover and highlights its unique features compared to other funeral covers in the South African insurance market. After reading this review, you can make an informed decision about whether funeral insurance and Dial Direct Funeral Cover are right for you.

What Makes Dial Direct Funeral Insurance Different?

Dial Direct has updated its funeral cover to include coverage for different causes of death – from natural death to life-threatening diseases like COVID-19 and HIV. Its pricing plan offers different options for the amount of money that will be paid out in the event of the policyholder’s death. These options are called “Benefit Cover Options” and policyholders can easily navigate through the options to pick the one that suits their unique individual and family needs and preferences.

Dial Direct Funeral Insurance Coverage Options and Benefits

Dial Direct Funeral Cover

Dial Direct offers comprehensive funeral cover. This policy provides several benefits, including coverage for death due to natural or accidental causes, HIV/AIDS, and Covid-19. In addition, the policy provides a repatriation benefit that enables the next of kin to choose the burial location and funeral home, and the remains will be sent to the chosen funeral home closest to the cemetery if both death and burial occur within South Africa’s borders.

The policy is available in two categories – Individual Cover and Family Cover. The Individual Cover provides a range of benefit cover options from R5,000 to R30,000, and if additional members such as domestic workers or parents are added, the individual cover band may be selected. On the other hand, the Family Cover offers six different plans – Plan A to Plan F, with benefit cover options ranging from R5,000 to R30,000 for the policyholder (including spouse) and R750 to R25,000 for children and stillborns.

Pricing and Discounts of Dial Direct Funeral Cover

Dial Direct individual funeral cover plan starts from a premium amount of R26 per month. Similarly, the company also offers family funeral cover plans starting at the same premium of R26 per month. Dial Direct does not provide exclusive discounts or payback bonuses on its funeral insurance products.

Where Dial Direct Funeral Cover can Improve

The Dial Direct Family Funeral Cover provides coverage for the primary policyholder, their spouse, and a maximum of five dependents. In case policyholders wish to broaden their coverage, they can opt to purchase an extension of cover at an extra premium. Dial Direct may provide discounts to make the coverage extension more affordable for its policyholders.

How to Request A Quote for Dial Direct Funeral Cover

Dial Direct offers hassle-free ways to request for a funeral insurance quote online. Prospective customers can

Fill out an online form at Dial Direct webpage.
Call Dial Direct’s New Customer Sales line at 0861 007 327 to receive assistance from a representative.

Frequently Asked Questions (FAQ)

How do I claim for funeral benefits?

If you need to make a claim on your Funeral Cover policy, you can get in touch with the Dial Direct call centre by dialling 0862 105 085. The call centre is available to assist you from Monday to Friday, between 08:00 and 17:00, and on Saturdays between 8:00 and 13:00. You will be connected with one of Dial Direct’s friendly and knowledgeable consultants, who will be able to guide you through the claim process and answer any questions you may have.

What is excluded from my funeral cover?

If the assured life passes away as a result of suicide or attempted suicide within the first 12 months from the policy commencement date, regardless of whether it was caused by temporary or permanent insanity, mental illness, or the influence of drugs or alcohol, the policy will not provide any cover or benefits.

What documentation must be submitted when I claim funeral benefits?

Dial Direct only accepts claims that are submitted within six months of the assured individual’s death. When submitting a claim for funeral benefits, it is important to include several pieces of documentation. These include certified copies of the identity documents for both the life assured and nominated beneficiary, as well as proof of identity for each of them. The policy schedule and a fully completed DHA 1663 form (notification of death form) must also be included. Proof of the beneficiary’s banking details and a bank statement from the past month should be submitted. In cases where no beneficiaries exist, a letter of executorship from the high court is necessary. If the death of the life assured was due to unnatural causes, an official police report will be required. Finally, the insurer may request any other documentary proof that they deem necessary.

What are the waiting periods?

If you’re considering a funeral plan with Dial Direct, it’s important to note that there is a waiting period of six months and six paid premiums before coverage becomes active. However, if you’re specifically concerned about accidental death coverage, it’s good to know that there is no waiting period for this type of claim, as long as you’ve paid your first premium.