Family cover – Simply Insurance

3-in-1, super-flexible cover

Up to R2.5m life and disability, and R100k funeral cover in one easy policy.

Unlimited family members

Add as many family members as you want to your funeral cover benefit.

No blood tests, no paperwork

50% Cash Back option

Get rewarded just for staying covered!

Affordable premiums

Starting from as little as R49 per month.

Body repatriation

Available across South Africa and SADC (see details in the FAQs below)

Three great risk benefits, one simple policy

Life Cover

R50k to R2.5m cover
Lump sum payout to your beneficiaries
Terminal illness? Access your payout up to 12 months early
R3000 grocery benefit in addition to the lump sum payout
Available to South Africans up to 64 years old

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Disability Cover

R200k to R2.5m cover
Lump sum payout if you become totally, permanently and irreversibly disabled (see details in the FAQs below)
Available to South Africans up to 64 years old

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Funeral Cover

R15k to R100k cover
Payout within 48 hours of receiving valid claim documents
Option to add funeral cover for a wide range of family members (see details in the FAQs below)
Includes body repatriation (see details in the FAQs below)
Available to legal foreigners

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How it works

Get a quick quote

The price you see is the price you pay—no hidden fees

Answer 3 simple health questions

No medical exams or blood tests needed

Enter your personal details

So we can service your policy properly

Add your payment details

You’re instantly covered

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Frequently asked questions

Why is life insurance important?

• Financial security: It replaces lost income, covering essentials like home loans, school fees, and daily living expenses to help the insured person’s family maintain their lifestyle.
• Debt relief: It settles outstanding debts, so the insured person’s family isn’t left with financial burdens.
• Peace of mind: Knowing their loved ones are looked after enables the insured person to enjoy life with less stress.
• Legacy planning: Leave an inheritance to your beneficiaries or support a cause you care about.

Why is funeral cover important?

• Access to cash: Funerals are expensive, and funeral cover reduces the financial strain on the insured person’s family when the time comes
• Peace of mind: Knowing the funeral expenses are handled allows the insured person’s loved ones to grieve and focus on saying goodbye.
• Cover for family members: Individuals can take funeral cover for various family members who can’t afford to cover themselves, ensuring they get a diginified funeral.
• Quick payout: Funeral cover is typically pays out within 48 hours of a claim being lodged, which is crucial since funerals are typically held a short time after a death

Who qualifies for cover?

Flexi Family Cover is available to individuals residing and working legally in South Africa. Specific benefits are available as follows:

• Life cover benefit – South Africans between 18 and 64
• Disability cover benefit – South Africans between 18 and 64
• Funeral cover benefit – South Africans and legal foreigners between 18 and 69 (grandparents and great grandparents up to 79)

Note – Simply must be informed if the insured person spends more than 90 days outside South Africa in a calendar year, as we may discontinue the cover.

How much cover can I get?

The maximum cover any individual can get from Simply is as follows:

• Life: R2.5m
• Disability: R2.5m
• Funeral (main insured person / spouse / children over 14): R100k
• Funeral (children under 14): 50% of the cover offered to the main insured person capped at R 20k for children under 6
• Funeral (other lives): R50k

Please note Simply’s maximum cover amounts apply at a consolidated level, so the cover provided for each insured person cannot exceed the cover amounts above across all Simply policies. This includes where the insured person is the policyholder or covered under a policy owned by someone else (including their employer).

Which family members can I add funeral cover for?

The following family members can be covered under your funeral cover benefit:

• First spouse – the main life’s legal or common law spouse (including via traditional marriage)
• Additional spouse – if the main life has multiple spouses
• Children – these must be the main life’s biological (or legally adopted) children
• Parents – these must be the main life’s biological (or legally adoptive) mother and/or father
• Siblings – these must be the biological (or legally adopted) children of one or both of the main life’s parents
• Aunts and uncles – these must be the sibling of one of the main life’s parents, or legally married to the sibling of one of their parents
• Nieces and nephews – these must be the children of main life’s sibling
• First cousins – these must be the children of main life’s aunt or uncle
• Grandparents – these must be the parents of main life’s parents
• Great grandparents – these must be the parents of main life’s grandparents
• Grandchildren – these must be the children of main life’s own children
• Great grandchildren – these must be the children of main life’s own grandchildren

The relationship must be biological or as a result of a legal adoption process. It can also be via marriage, so it can be the main insured person’s relation, or their spouse’s relation, where the same definitions apply as above. Their step-children and step-parents can also be covered.

What is covered under the Disability Cover benefit?

A lump sum is paid if the insured person has suffered total, permanent and irreversible disability. This can mean the loss of a body part, or the loss of the use of a body part. The incident which causes the disability must have occurred after the policy’s inception date.

There is a 6-month deferred period (time from when the disability started) before they are eligible for this benefit. This benefit only covers very specific injuries or illnesses. It doesn’t cover everything that could affect the insured person’s ability to work. The lump sum amount is calculated as follows:

• Both hands or both feet: 100% of cover
• One hand or one foot: 50% of cover
• One hand and one foot: 100% of cover
• Both eyes (permanent loss of vision): 100% of cover
• Speech loss: 100% of cover
• 3rd degree burns (>40% of body surface): 100% of cover
• 3rd degree burns (20-40% of body surface): 50% of cover

Who pays for the policy?

As the policyholder, you are responsible for paying the premiums.

Can I make changes to the policy?

Absolutely! You can add or remove benefits, adjust your cover amounts, update your beneficiaries or bank details, or add funeral cover for family members whenever you like.

Is there a waiting period on the policy?

The waiting period refers to the period directly after you’ve taken out the policy, when cover is limited to claims resulting from accidental causes only. After the waiting period, claims resulting from both accidental and natural causes will be paid.

The waiting period for Flexi Family Cover is 6 months subject to 6 premiums being paid.

When will claims not be paid?

Unfortunately, no benefit can be paid if the death or injury is caused by one of the following:

• Participation in any terrorist activity, riot, civil commotion, rebellion or war.
• Radioactivity or nuclear explosion.
• Willful and material violation of any criminal law.
• Driving while the concentration of alcohol in your blood exceeds the legal limit.
• Intentional intake of drugs, narcotics or medication, unless prescribed by a registered medical practitioner and used as prescribed.
• For life cover: suicide or deliberate self-injury within 1 year of starting the policy.
• For funeral cover: suicide or deliberate self-injury within 1 year of starting the policy.
• For disability cover: attempted suicide or deliberate self-injury at any time.
• Refusal of treatment recommended by a registered medical practitioner.
• Hazardous pursuits. These are unusually dangerous activities that the insured person engages in regularly, not occasionally. Examples include,
but aren’t limited to: big game hunting, boxing, mixed martial arts, outdoor rock climbing, skydiving, motor and boat racing, as well as white
water rafting.

Will my premiums and cover amounts increase over time?

Yes, your premiums will increase by 10%, and your cover amount will grow by 5% each year.

What if I can’t afford the increased premium?

No worries! Just contact us to explore your options, like reducing your cover amounts or removing benefits. For any questions or to make changes, call or WhatsApp us at 021 045 1513 or email admin@simply.co.za..

What’s included in the body repatriation benefit?

This benefit is offered as part of the Funeral benefit and only covers the main insured life, their spouse, and children under 21 (only if they are covered under the funeral benefit). There is no benefit available for any other family members covered.

For all qualifying lives, the benefit provides for the repatriation of mortal remains within the borders of South Africa. For the main insured life ONLY, the benefit also includes the option of repatriation of the mortal remains to a Southern African Development Community (SADC) country.

RSA Services Included:
• Locating of the deceased
• Overnight accommodation for the next-of-kin in order to identify the body (up to R500)
• Referral to a pathologist if an autopsy is required
• Referral to a reputable undertaker
• Assistance with basic funeral arrangements
• Advice on how to apply for death certificate and border-crossing documentation
• Interpretation of legal documentation such as the funeral policy
• Referral to counselling services for support and advice
• The benefit is limited to services to the total value of R20,000 per policy, per policy year, regardless of how many lives are claimed for in that
year

SADC Services (for main life only) Included:
• Storage of the body (for a maximum of 20 days)
• Embalming
• Casket with Zinc Liner for SADC air transport
• All documentation necessary, clearance and cargo fees
• Transport to ANY destination in all neighbouring countries by road namely Namibia, Botswana, Zimbabwe, Mozambique, Lesotho and
Swaziland. With allowance for one family member to travel with the deceased free of charge
• Transport to the Capital ONLY of the remainder of SADC countries by air including Madagascar, Mauritius, Nigeria, Tanzania, Zambia, Malawi
and Seychelles. No family member catered for on flights but assistance to book family on the same flights for their own account will be
available
• The benefit is limited to R50,000 per policy
• These benefits are not exchangeable for cash.
• The same limitations and exclusions that apply to claims on the main benefit also apply to the repatriation benefit.

We’re simply better

“Thanks to your personal effort to get the claim processed in time the funeral could take place on Sunday. I would recommend Simply to any business that wants to take out funeral cover for its employees.”

Jacoline Meyer Pines Boerdery

“The transparency, simplicity and competitive pricing of the Simply products made it an easy choice for us in terms of who we went with for Life, Disability and Funeral cover for our people.”

HayleyGreat Yellow Brick Co

“Signing up for Simply Insurance has enabled us to demonstrate that we are committed to our staff, and also give them some peace of mind should some tragedy befall them.”

LaurenGreencycle

“Signing up with Simply was super-quick and easy and continues to be seamless.”

TshepisoLoyal1

” I would like to thank you from the bottom of my heart for the brilliant service you gave me and my family. I really appreciate how you handle my claim process until the end. Keep up the brilliant work you do.”

NancyMashao

“It was most helpful after the passing of my mother to have everything sorted out so quickly and efficiently.”

SimonePrivate Client

Simply Financial Services (Pty) Ltd is an authorised financial services provider (FSP 47146).

Hollard Life Assurance Company Limited (Reg No. 1993/001405/06), a Licensed Life Insurer and an authorised Financial Services Provider.

Why Choose Flexi Family Cover?

Three great risk benefits, one simple policy

Life Cover

Disability Cover

Funeral Cover

How it works

Get a quick quote

Answer 3 simple health questions

Enter your personal details

Add your payment details

Frequently asked questions

Why is life insurance important?

Why is funeral cover important?

Who qualifies for cover?

How much cover can I get?

Which family members can I add funeral cover for?

What is covered under the Disability Cover benefit?

Who pays for the policy?

Can I make changes to the policy?

Is there a waiting period on the policy?

When will claims not be paid?

Will my premiums and cover amounts increase over time?

What if I can’t afford the increased premium?

What’s included in the body repatriation benefit?

We’re simply better