R40 000
Funeral cover up to
Group Funeral Scheme · COFT families and affiliates
Group funeral cover up to R40 000. Paid in 48 hours. From R95 a month.
Dignified cover for COFT families and affiliates. Speed. Simplicity. Certainty. Built for churches, stokvels, workplaces and community groups.
48-hour payout after complete documents are received.
48 hrs
Payout after complete documents
R95
Premiums from, per month
SIZAN SYSTEMS
Administered
MEERKAT
Dual administration
ORMART
Underwritten
South African residents aged 18–85. Natural death: 3-month waiting period. Accidental death covered immediately after first premium. Underwritten by ORMART.
Why groups choose Sizan
Cover that holds when a family cannot.
Speed, a simple process, and partners who stay with you from the first premium to the claim.
48-Hour Pay-out
Valid claims paid within 48 hours after receiving all required documentation.
Simple Process
Clear document requirements. No delays during difficult times.
Trusted Partners
Administered by SIZAN. Underwritten by ORMART. Dual administration by MEERKAT.
Easy Group Admin
One debit from the scheme account. Easy admin for clients.
Certificate of Cover
Issued after first premium payment.
Joining a group
How a group gets cover
One policy. One debit. Members onboarded with a clear way to claim.
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1
Policy issued
The group policy is issued with a unique policy number.
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2
Debit order set up
Debit order is set up on the nominated group scheme bank account.
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3
First premium paid
Once the first premium is paid, a Certificate of Cover is issued.
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4
Members onboarded
Members are onboarded and shown how to claim through COFT / the group.
Monthly premiums are debited from the nominated group scheme bank account upon policy activation.
Group scheme benefits
Cover, cash help, and a hand on the shoulder.
Funeral cover
R40 000
Cover up to R40 000.00 for the group scheme.
Monthly premium
From R95
Premiums from R95.00 per month.
Cash voucher
R1 500
R1 500.00 cash voucher to ease immediate costs.
At the graveside
Décor
Cemetery décor so the farewell is dignified.
People, not only paper
Pastoral
Pastoral support when the family needs a helping hand.
Member plans
Four ways to cover the people who matter.
Scheme cover up to R40 000. Premiums from R95 a month. Your group’s schedule sets the exact plan mix.
Plan 01
Member Only
Cover for the principal member.
- Principal member
- Certificate after first premium
Cover up to R40 000 · From R95 / month
Plan 02
Member with children
Principal member plus up to 4 children.
- Member
- Up to 4 children
Cover up to R40 000 · From R95 / month
Plan 03
Member, spouse and children
Household cover for member, spouse and children.
- Member and spouse
- Children as additional lives
Cover up to R40 000 · From R95 / month
Plan 04
Parents Only
Cover designed for parents as additional lives assured.
- Parents only
- No medical exam required
Cover up to R40 000 · From R95 / month
Spouse, children and extended family may be added as additional lives assured. Child benefit limits apply by age — see the FAQ and policy terms.
When a death happens
Claims made simple
Five steps. One list of documents. Payment to the nominated beneficiary.
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1
Notify
Notify SIZAN immediately via the dedicated claims line or email.
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2
Submit
Submit all required documents together via email or WhatsApp.
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3
Verify
SIZAN verifies and processes the claim.
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4
Payment
ORMART releases payment within 48 hours of receipt of complete documents.
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5
Paid
Payment is made directly to the nominated beneficiary.
Natural deaths: all 4 documents must be satisfied.
Accidental deaths: all 5 documents must be satisfied.
Incomplete submissions delay the 48-hour turnaround.
Service promise: claim turnaround is 48 hours after all required documentation is received. No delays when families need us most.
Notify us on +27 76 908 3258 or Claims@sizandydtems.co.za.
Save this list
Claims checklist
Keep this with the family. Screenshot it. Print it. Submit every item together.
Required for ALL claims
-
1
Certified Death Certificate From Home Affairs.
-
2
Certified ID copy of the deceased Clear, certified copy.
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3
Certified ID copy of the principal member The main member on the policy.
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4
Completed BI-1663 form Notification of Death / Stillbirth — all 3–4 pages completed and signed.
Additional for ACCIDENTAL death
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5
Police report / CAS number Official SAPS report or affidavit.
Natural death: documents 1–4. Accidental death: documents 1–5. Incomplete files pause the 48-hour clock.
Before you join
Waiting periods, who can join, and policy highlights.
Waiting periods
- Natural death (all ages): 3 months from policy start date.
- Accidental death: covered immediately from policy start date and first premium received.
- If the policy lapses and is reinstated, waiting periods may reapply.
Eligibility
- South African residents.
- Ages 18–85.
- No medical exams or health questions required.
- Spouse, children and extended family may be added as additional lives assured.
Policy highlights
- One-month grace period.
- 31-day cooling-off period.
- Continuation option available.
- Annual premium review.
- Easy group onboarding.
From the groups we serve
What group members say after they have used the cover.
★★★★★When my brother passed, we had the papers on one thread. The family did not have to borrow for the undertaker. That 48 hours after the documents were in — that mattered.
★★★★★Admin is one debit from the church account. I am not standing at the gate on Sunday chasing eighty people for cash.
★★★★★No medical exam. My parents are on the parents-only plan. They walked us through the waiting period before we started. No surprises later.
★★★★★We used the cash voucher and the pastoral support. It felt like people in the room with us, not a call-centre script.
★★★★★The certificate came after the first premium. I finally had proof of cover to put in front of the stokvel.
★★★★☆The claims list is short. Four documents. We were not sent from one counter to the next. I would have liked a slightly clearer BI-1663 example, but the payout came.
Questions groups ask
FAQ
Valid claims are paid within 48 hours after Sizan receives all required documentation. Incomplete submissions delay the 48-hour turnaround. ORMART then releases payment to the nominated beneficiary.
For every claim you need four documents, submitted together:
- Certified Death Certificate from Home Affairs
- Certified ID copy of the deceased
- Certified ID copy of the principal member
- Completed BI-1663 form (Notification of Death / Stillbirth) — all 3–4 pages completed and signed
A police report / CAS number — an official SAPS report or affidavit. All five documents must be in for accidental deaths.
Natural death (all ages): 3 months from the policy start date. Accidental death is covered immediately from the policy start date and first premium received. If the policy lapses and is reinstated, waiting periods may reapply.
South African residents aged 18–85. Spouse, children and extended family may be added as additional lives assured.
No. No medical exams or health questions are required.
Monthly premiums are debited from the nominated group scheme bank account upon policy activation. One debit from the scheme account — easy admin for the group.
A Certificate of Cover is issued after the first premium payment.
- Member Only
- Member with children (up to 4 children)
- Member and spouse and children
- Parents Only
Funeral cover up to R40 000. Premiums from R95 per month. Exact amounts sit on the Policy Schedule.
There is a one-month grace period for overdue premiums. Cover remains active during grace.
If arrears are not paid by the end of the second month, the plan lapses. Two consecutive missed premiums (including grace) ends cover.
Yes. If a principal member leaves a group or scheme, they have 30 days to convert to an individual funeral policy with Sizan. Natural death waiting periods apply on the new policy. Accidental death remains covered immediately.
Child benefits are a percentage of the main member’s cover:
- Stillborn (after 26 weeks) / child under 6: 12.5%
- Child 6–13: 25%
- Child 14–21: 50%
- Children 21+: 100%
If a higher benefit is selected for a child, the payout is reduced to the legal maximum for that age.
Benefits will not be paid if death results from:
- Terrorism or war (declared or not)
- Radioactive contamination
- Death resulting from illegal activities
- Suicide within the first 12 months of cover commencement
Divorced spouses at inception are not covered. Cover ceases immediately if divorce occurs during the term.
You have 31 days from receiving the policy (cooling-off). If no claim has been made, cancel in writing and premiums paid are refunded less the cost of risk cover and administration. After cooling-off, the policyholder or Sizan may cancel with one month’s written notice.
Underwritten by ORMART. Administration by SIZAN SYSTEMS. Dual Administration System by MEERKAT.
Notify Sizan immediately on the claims line +27 76 908 3258 or email Claims@sizandydtems.co.za. Then submit the full document set together.
Our vision
To build a generation where no family faces financial trauma in the hour of death. We exist to restore dignity through fast, faithful, and systematic help — turning grief into grace, and loss into legacy.
We don’t just cover funerals. We protect and support families from financial trauma in their weakest moment.
- Dignity in how we serve.
- Excellence in how we support families when they need a helping hand the most.
- Lasting systems that outlive crisis.
- Legacy and pride for every family we cover.
Talk to us
Get cover for your group, or help with a claim.
Call, send a message, or use the form. A person at Sizan will come back to you.
- Info info@sizansystems.co.za
- Claims Claims@sizandydtems.co.za
- WhatsApp / Claim Support Line +27 76 908 3258
- Call +27 76 908 3258
Administration by: SIZAN SYSTEMS
Dual Administration System by: MEERKAT
Underwritten by: ORMART
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Read this once
Policy terms
Material terms in plain language. The Policy Schedule and full wording apply.
- Policyholder: owns the funeral policy.
- Life Assured: person(s) covered.
- Beneficiary: person(s) nominated to receive the benefit.
- Premium: monthly amount to keep the policy active.
- Insurer / underwriter: ORMART (Meerkat dual administration as per the brochure).
- Administrator: SIZAN SYSTEMS.
Benefits will not be paid if death results from:
- Terrorism or war (declared or not).
- Radioactive contamination.
- Death resulting from illegal activities.
- Suicide within the first 12 months of cover commencement.
- Divorced spouses at inception. Cover ceases immediately if divorce occurs during the term.
- Premiums are payable monthly in advance.
- Grace period: one month for overdue premiums. Cover remains active during grace.
- If arrears are not paid by the end of the second month, the plan lapses.
- Lapse: two consecutive missed premiums (including grace) ends cover.
- A lapsed policy may be reinstated after two months.
- Waiting periods may reapply on reinstatement.
- 31 days from receiving the policy.
- If no claim has been made, cancel in writing and premiums paid are refunded less the cost of risk cover and administration.
After cooling-off, the policyholder or SIZAN may cancel with one month’s written notice.
- Premium rates are not guaranteed and may be reviewed annually or sooner if claims ratios or scheme risks change.
- SIZAN will give 3 months’ written notice before a premium increase.
- The policyholder may accept the new rates, request a benefit reduction, or cancel.
- Failure to pay the revised premium can result in benefit reduction or cancellation.
- If a principal member leaves a group/scheme, they have 30 days to convert to an individual funeral policy with SIZAN.
- Natural death waiting periods apply on the new policy.
- Accidental death remains covered immediately.
- The policyholder cancels in writing.
- Premiums unpaid beyond grace/lapse (two consecutive months).
- The last life assured has died and all benefits are paid.
- A lump sum funeral benefit is paid to the nominated beneficiary on death of a life assured.
- It is intended for funeral expenses and paid in cash.
- Cover amounts and premiums are specified in the Policy Schedule.
- Stillborn (after 26 weeks) / child under 6: 12.5% of main member cover.
- Child 6–13: 25%.
- Child 14–21: 50%.
- Children 21+: 100%.
If a higher benefit is selected for a child, payout is reduced to the legal maximum for that age.