Terms and Conditions

1. The Vodacom EMBEDDED funeral cover is only available to customers activating a new Vodacom postpaid line or contract with a 24-month or 36-month duration. This offering does not apply to existing Red Flexi or Red Core contracts.
2. Only South African citizens between the age of 18 and 60 are eligible for an EMBEDDED Funeral Cover policy. 
3. Cover is only activated once the contract has been activated, and you have confirmed that you are accepting the cover.
4. Your cover amount is dependent on your contract as outlined below:
   1. Red Flexi:
      1. R50–R300 → R10,000 cover
      2. Above R301 → R15,000 cover
   2. Red Core:
      1. R50–R500 → R15,000 cover
      2. Above R500 → R20,000 cover
   3. EMBEDDED Funeral Cover applies to an individual life only and only the main account holder can be insured per contract.
   4. You may only hold one EMBEDDED Funeral Cover Policy at a time.
   5. You can add beneficiary details or view and amend your EMBEDDED Funeral policy details by contacting the call centre on 082 178 00 or by sending an email to [email protected]
   6. Your EMBEDDED Funeral Cover policy will initiate upon successful contract activation and acceptance of the cover, any other embedded funeral cover offered by Vodacom Life Assurance Company (RF) Limited will fall away and a cancellation will be communicated to you. 
   7. Your policy will become active from the 1st day of the next month after successful contract activation and acceptance of the cover.
   8. Once your cover is active, the standard 3-month natural causes and 12-month suicide waiting periods will apply.
   9. 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. The death must be caused directly and independently of all other causes by some external and visible means. Please note that any event occurring before Cover Start Date is specifically excluded.
   10. 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. 
   11. You will not be able to reinstate your policy once it has lapsed.
   12. Your EMBEDDED Funeral Policy will end if:
       1. your policy lapses,
       2. you cancel the policy,
       3. the contract comes to an end,
       4. you move to another contract which does not qualify for this cover, or
       5. you pass away.
   13. This cover may not be ceded or transferred to a third party as security for a debt or for any other reason.

Claims: Call us on 082 178 00. 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. We 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. 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.

Underwriter and administrator: This product 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.