Metropolitan Funeral Cover Review 2026
Metropolitan's funeral cover is one of South Africa's longer-established funeral policies. Verified against Metropolitan's own site in July 2026.
Key features
- Premiums start from R40/month.
- Cover: up to R100,000 for yourself and immediate family; up to R50,000 for parents and extended family.
- Up to 20 family members can be covered on a single plan.
- Waiting period: 6 months for natural-cause death; no waiting period for accidental death — covered from your first premium.
- Fast claims: valid claims submitted via WhatsApp can be paid within 4 hours once verified; other channels (email, phone, branch) up to 48 hours.
- Children can be covered for life or until age 21 — note that South African long-term insurance regulation caps children's funeral cover at R20,000 (under-6s) and R50,000 (ages 6–14), so check how this applies to your specific plan.
How to apply
Get an online quote at metropolitan.co.za, call 0860 724 724, or apply via a branch or financial adviser.
Is it worth it?
At R40/month entry-level pricing with a same-day WhatsApp claims option, Metropolitan is competitive on speed and affordability. If you need to cover a larger extended family (up to 20 members on one plan), it's worth comparing the per-person cost against a family funeral policy from another insurer — compare funeral cover providers before committing, and confirm the 6-month waiting period doesn't leave you exposed if you're switching from an existing policy.
