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FAQs About Funeral Services
Many providers allow policy customization. You can add features like additional dependents, higher grocery allowances, or enhanced transport services for an extra fee.
Funeral policies typically include:
- Coverage for the main member and dependents.
- Transportation of the deceased.
- Assistance with death certificates.
- Provision of a casket or coffin.
- Grocery benefits.
- Funeral program printing.
- Hearse services and related arrangements.
- Age limits often vary by provider but typically:
- Main members: 18–64 years.
- Dependents: 18–59 years.
- Some policies may offer options for older dependents or children.
Missing a payment might lead to a lapse in your policy, making you ineligible for claims. Many providers allow a grace period (e.g., 30 days) to settle overdue payments.
Yes, most providers allow you to add dependents at any time, but the monthly premium will be adjusted accordingly.
Contact your service provider with proof of the updated information (e.g., ID copy, marriage certificate for name changes) to make changes.
Most providers process claims within 48–72 hours after submitting all required documents. Delays may occur if there is missing or incorrect information.
To make a claim, you typically need:
- A completed claim form.
- Certified death certificate.
- ID of the deceased and main policyholder.
- Proof of relationship to the deceased (if applicable).
Yes, accidental deaths are usually covered. However, it's important to confirm with your specific provider as some policies may have exclusions.
Yes, many policies include repatriation services to bring the deceased back home. Confirm with your provider about this benefit.
Most policies have a waiting period (e.g., 3–6 months) during which natural death claims are not paid out. However, accidental deaths are often covered immediately.
Common exclusions may include:
- Death due to suicide within the first 2 years of the policy.
- Fraudulent claims.
- Death due to undisclosed pre-existing medical conditions.
