Notify life insurance, funeral cover, and medical aid providers to start claims
Each insurer's claims department. Medical aid, funeral cover, life cover, and credit life are all separate claims.
Some steps differ by region inside the country.
Where
Each insurer's claims department. Medical aid, funeral cover, life cover, and credit life are all separate claims.
How
List every insurer you can find from bank statements, email, and their filing.
Phone each one, ask for the death claim requirements, and get the reference number.
Submit the claim forms with certified copies. Keep a copy of everything you send.
Check for credit life cover on their bond, car finance, and store accounts. This cover settles the debt on death and is very often unclaimed.
What to bring
A certified copy of the death certificate
The policy number, or the insurer's name off a bank statement
Your ID and proof of your relationship
A completed claim form from each insurer
Timing
Funeral claims usually pay within 48 hours to 14 days. Life claims typically take 2 weeks to a few months.
This is practical information, not legal, medical, or financial advice.