Terms and Conditions

• Funeral Cover Eligibility

1. To qualify for sponsorship, you will need to satisfy the following criteria:
   1. Activate a new or upgrade to a RED Core or Flexi contract (legacy or current) with a duration of either 24 or 36 months.
   2. Be between the ages of 18 and 60 years and be in possession of a valid South African ID in order to qualify for sponsorship.
2. Contracts can be activated at any Vodacom-branded or unbranded store or Vodacom online.
3. Sponsorship does not apply to existing Red Flexi or Red Core contracts.
4. You may only hold one sponsored funeral cover at a time.
5. Cover only applied to an individual life and will be applied to the main account holder only.
6. The Funeral Cover amount will be based on your contract value (outlined below):

Red Flexi:

1. R50–R300 → R10,000 cover
2. Above R301 → R15,000 cover

Red Core:

1. R50–R500 → R15,000 cover
2. Above R500 → R20,000 cover
3. Vodacom fully sponsors the funeral cover premium for the full contract term (24 or 36 months) and you will not be required to pay the premium for those months.
4. This promotion (i.e. Vodacom sponsored funeral cover”) runs from 08 July 2025 to 30 March 2026.
5. This cover may not be ceded or transferred to a third party or another person under any other reason.

• Policy Registration

1. Taking up a link postpaid contract does not automatically activate your funeral cover. Vodacom will send you an invitational message of which you will need to respond to, the invitation message will be sent after your initial contract has been initiated or upgraded.
2. To register for the Vodacom sponsored funeral, you will need to respond with the key word “COVERME” to the invitational message. The invitation will be sent to the linked contract number.
3. You will have up to 5 days to respond to the above with the word “COVERME” once the invitational message has been sent.
4. A reminder message will be sent to you after 4 days if no response is received.
5. If you do not respond within the allocated time or you respond with any other word other than ‘COVERME’, the application will not be eligible for the funeral cover.
6. Your policy will become active from the 1st day of the next month after successful contract activation and acceptance of the cover.

• Waiting periods

1. Once your cover is active, the standard 3-month natural causes and 12-month suicide waiting periods will apply.
2. During the waiting period, only accidental death will be covered. Accidental death means death caused solely by injury sustained during an Accident, within 90 days of the Accident, which is not related to any other causes.

• Policy updates and claims

1. If you wish to make changes to your details or add a beneficiary, please contact our call centre on 082 178 00 or send us an email on [email protected]
2. You must nominate a single beneficiary for your own life.
3. In the event of your death and a successful claim, Vodacom will pay the cover amount to your nominated beneficiary. If no beneficiary is nominated, the claim payment will be made to your estate
4. When you pass away your beneficiary will need to provide us with the relevant documentation so that we can settle the claim quickly and efficiently.
5. Vodacom would need to be informed of your death within 180 (one-hundred-and-eighty) days of it happening. If we're not informed in time by your beneficiary or estate, the claim could be declined.
6. If any claim under this policy involves fraud, misrepresentation or false information, such as incorrect age or relationship, your cover will be cancelled. In this case, no claim payouts will be made. We will also not payout due to self-inflicted injury & illegal acts.
7. This policy agreement is subject to South African law and all payments to Vodacom Life and payouts to beneficiaries will only be made in rands from and to a South African bank account.
8. To submit a claim, your beneficiary would need to contact Vodacom on 082 178 00 or send an email to [email protected].

• Arrears

1. If your account goes into arrears, a grace period of 30 days will apply, and you will still enjoy cover for the new month. If you do not meet your contract obligations for a second consecutive month, you will be given an additional 15-days’ notice to seek alternate cover before termination of cover due to lapse. Vodacom will send you reminders to help you retain your cover. 
2. You will not be able to reinstate your policy once it has lapsed.

• End of policy

Your cover will end if:

1. Your policy lapses,
2. You cancel the policy,
3. Your contract comes to an end,
4. You move to another contract which does not qualify for this cover, or
5. You pass away.

• Underwriter and administrator:

The funeral cover is underwritten by Vodacom Life Assurance Company (RF) Limited, a licensed life insurer.

How to contact us:

• Call: 082 178 00
• Email: [email protected] (for all non-claims related queries or complaints) or [email protected] (for claims only)
• Write to: Vodacom Life Assurance Company (RF) Limited, Vodacom Corporate Park, 082 Vodacom Boulevard, Midrand,1685.
• This product is administered by O’Keeffe & Swartz BPO (Pty) Ltd, an authorized financial services provider (FSP no: 35478), for which they receive fees.

• Queries and complaints:

For any queries you may have regarding your policy, please contact 082 178 00 or [email protected]. If you are not satisfied with your level of service, you may log a formal complaint by calling 082 178 00 or sending an email to [email protected].

Should you be dissatisfied with the outcome, you have the right to contact National Financial Ombudsman (NFO):

• Compliance

The Compliance Department can be contacted by calling our Customer Care Centre on 082 178 00.

This policy is subject to South African law and all payouts will be in rands to a South African bank account. In the event that the law or the interpretation thereof changes, we may change the terms of this policy. We will notify you of any such changes.

• Cessions

This cover may not be ceded or transferred to a third party as security for a debt or for any other reason. 

• Force Majeure

Force Majeure refers to circumstances beyond our reasonable control, such as an act of God, acts of the State or Government, exceptional weather conditions, total national electricity failures, war or war-like activities or serious delays in public transport that may prevent us from carrying out our obligations under this agreement. In the event of a force majeure this agreement will be suspended until we can deliver on our obligations. We will, if possible, notify you of the suspension and the estimated duration of the suspension. We will not be liable for any damages caused as a result of the suspension.

• Confidentiality and Sharing of Information

By taking out this policy, you hereby authorize Vodacom Life Assurance Company to obtain personal information from you, and when required, to share it with our third-party service providers for the purposes of providing the services and benefits to which this Policy relates. Your personal information will be stored, processed and used only by our service providers to the extent that is necessary to provide the contracted services. Please refer to our privacy notice below for a description of how we process your personal information.

• Privacy Notice

1. Scope

This Privacy notice applies to the use of, purchase or other interaction with Vodacom funeral cover. Unless context dictates otherwise, the Vodacom Privacy Statement on https://www.vodacom.co.za/vodacom/terms/privacy-policy shall also apply to all interactions with Vodacom Funeral Cover, regarding any collection, use or other processing of personal information.

• Personal Information Collected
• Vodacom only collects personal information required to enter into a Vodacom Funeral Cover agreement and provide the related services in relation to the agreement.
• Information collected by Vodacom includes, Name and Surname, Identity Number, Contact Number, Email Address, Bank Account Number and Policy Agreement Number.
• Vodacom does not obtain additional personal information from other sources, without your express consent.
• Uses and Sharing
• Vodacom processes the information to provide you with funeral cover as per agreement, for purposes of entering into or performing in terms of a contract and may use the information to provide you with information on related products or offer discount certain offerings;
• Vodacom will use the personal information you provide only for purposes consistent with the reason you provided it;
• Vodacom does not share your personal information with other marketers unless Vodacom have obtained your explicit consent. If you do not provide your consent, Vodacom will not share your personal information;
• When Vodacom provides personal information to companies that perform services on our behalf, Vodacom require those companies to handle the personal information in accordance with our full privacy notice, as well as applicable privacy legislation.

1. Your Rights

• You may access personal information that Vodacom holds about you. You can ask us to correct any errors or delete the personal information Vodacom have about you;
• You may opt-out of any marketing messages or further contact from us;