Does Sanlam Indie do health checks for funeral products?
Nope. Unlike life insurance, funeral insurance isn't underwritten. That means there are no health checks 💉and no medical questions 🏥asked when you take out a funeral policy with us. We’ll just need the South African ID numbers and full names of the people who will be covered on your policy, as well as their relationship to you.
Because we don’t use underwriting to assess risk, we have to manage the risk in other ways – by limiting the maximum amount of cover you can have on a single life, and also the maximum age of additional lives on your Sanlam Indie Funeral Cover policy.
Also, we have some extra limits on claims. So we won’t pay out if you commit suicide within 12 months or if you die of natural causes within 6 months of taking out a funeral policy with us. Also, we won’t pay out if you die while doing something illegal, or if you provided us with incomplete or incorrect information.