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Frequently asked
Funeral Plan
By OneSpark support teamUpdated about 2 months ago
General questions

Who is the main member on the policy?

You are the main member on the policy, who takes out the policy and who pays the premium. You must be 18 years or older, a South African resident as well as permanently residing in South Africa to be eligible.

Who are the family members on my policy?

Family members are classified as your spouse, child(ren), parents(s) or extended family member(s).

Who is classified as a spouse?

Any person to whom you are married (by law, tribal custom or tenets of any religion) is classified as your spouse. This also includes a common law spouse, who resides with you and is regarded as your spouse by the community.

Who is classified as a child?

Your natural child(ren), legally adopted child(ren) and/or step-child(ren) are classified as children if they are unmarried and dependent on you for financial support and maintenance.

Who is classified as a parent?

Your (or your spouse’s) natural parents, legally adoptive parents or stepparents are classified as parents.

Who can be added as extended family members on my policy?

Any additional spouses (if you already have a spouse life on your policy), children (if you already have 6 children on your policy, additional children who are older than the maximum allowable ages for children, parents or parents-in-law (if you already have more than 4 parents on your policy) or any blood relative for whom you or your spouse are financially responsible for.

Who is classified as a life insured on the policy?

This is defined as anyone who has cover on your policy. This includes you and all your covered family members.

How many people can be covered on my OneSpark Funeral Plan?

You can cover yourself, your spouse, 6 children, 4 parents and 5 extended family members, as long as each of your family members is within the maximum ages allowed at the time when you take out your policy or when you add them onto your policy.

Can I have more than one OneSpark Funeral Plan?

You can only be the main member on one Funeral Plan. You can be a family member on a maximum of four Funeral Plans. However, the cover amount paid out on claim will be limited to the regulatory maximum benefit amount (please see the question “What are the Funeral cover amounts and the regulatory maximum payout amounts?”).

What happens when a child insured on a OneSpark Funeral Plan turns 21?

When a child on your Funeral Plan turns 21, they will automatically convert to an extended family member on your policy. Everything else, including their cover and premium, will remain unchanged.

What are the entry age requirements for the OneSpark Funeral Plan?

Life Insured Minimum Entry Age Maximum Entry Age
Main member 18 60
Spouse 18 65
Parents and parents-in-law 35 70
Extended Family Members 1 65
Children 1 19

When is my policy anniversary?

This is the anniversary which occurs every year on the first day of the month in which you started your policy.

Can I have a Funeral Plan and a Protector Plan?

Yes, you can take out a OneSpark Funeral Plan and add any of the Protector Plans to enhance your coverage and get Cashbacks (the Transport Protector Plan, the Grocery Protector Plan, the Education Protector Plan and the Daily Expense Protector Plan).

Your Cover

What cover do I get?

The benefit pays out a single amount on your death, or a death of one of your covered family members. The money can be used for all funeral related costs (including, but not limited to, funeral service, repatriation, tombstone, transport of relatives, food, or airtime costs).

What are the OneSpark Funeral Plan cover amounts?

You can select the following funeral cover amounts on the OneSpark funeral Plan:

Life Insured Cover options
Main member R5 000 - R50 000
Spouse R5 000 - R50 000
Parents and parents-in-law R5 000 - R30 000
Extended Family Members (aged 6 and up) R5 000 - R30 000
Children (aged 6 and up) R5 000 - R30 000
Children and extended family members (aged 1 to 5) R5 000 - R15 000

What are the regulatory maximum funeral cover amounts?

You can select the following funeral cover amounts on the OneSpark funeral Plan:

Life Insured Cover options
Main member R100 000
Spouse R100 000
Parents and parents-in-law R100 000
Children and Extended Family Members (aged 14 and up) R100 000
Children and Extended Family Members (aged 6 to 13) R100 000
Children and extended family members (aged 1 to 5) R20 000

When does my cover start?

Cover for a life insured on the policy starts after you have completed the application for the life insured, entered your payment details and we receive the first premium.

When does my cover end?

Cover for a life insured on the policy ends when the life insured passes away, when premiums are no longer paid or when you ask us to cancel your policy/their cover.

Who receives the benefit after a claim?

If you pass away, your nominated beneficiaries will receive the payout. If a family member passes away, you will receive the payout.

How much does each beneficiary receive after a claim?

If you pass away, the amount each beneficiary (if there are more than one; please see the question “How do I add or remove beneficiaries or change beneficiary information?”) receives is equal to the amount you allocated to each. If a family member passes away, you will receive their full cover amount.

Will my cover amount increase?

Yes, your cover amount will grow each year with inflation (at your policy anniversary (please see the question “When is my policy anniversary?”).

What inflation is used to determine changes to my cover?

Inflation used is the increase in the Consumer Price Index (CPI) over a 12-month period as published by Statistics South Africa 3 months prior to your policy anniversary (please see the question “When is my policy anniversary?”).

What happens to a child's cover amount after they turn 6?

After a child on your OneSpark Funeral Plan turns 6, their cover amount will stay the same, unless you decide to increase their cover to a higher amount (in line with the fact that, according to the regulatory maximums, they now qualify for a higher cover amount).

Your Premiums

When do I pay premiums?

Premiums are payable each month in advance. Your premium will be collected within a 10 (ten) day period of the payment date you select.

Why do you collect premiums within a 10-day period?

This helps to ensure that you and your family always remain fully protected, since premium collection is made when funds are available in your account and to allow for changes in line with public holidays and weekends.

How do I pay premiums?

Premiums can be paid from your bank account by debit order or from your debit card or credit card by providing your card details.

Will my premium increase?

Your cover amount will increase each year with inflation (usually around 5%). Your premium will increase in line with your cover as well as a factor to take into account your increasing age. This increase will typically be around 10% each year, on average.

How did you calculate my premium?

Your premium is calculated based on your unique set of circumstances using your age, gender and cover amount, amongst other things.

How do I change how I pay my premium?

You can change how you pay your premiums by:

  • Calling our call centre at 0800 168 472;
  • Emailing us at hello@onespark.co.za; or
  • Logging in to your OneSpark profile online.
    • After logging in to your OneSpark profile, select the My profile option at the bottom of the screen. A range of options will then become available. Select the Payment details tab. Here you will be able to change how you pay your premium.

My debit or credit card is expiring, how do I update my card details?

Please see the questions “How do I change how I pay my premium?”, which provides a step by step guide to updating your payment details.

I missed a premium, what do I do now?

If you have missed 1 premium payment, we will try to collect 2 premiums in the next month (the premium missed for the current month and the premium for the next month). If we are able to collect the 2 premiums, your policy and cover will remain in place. If we are unable to collect the 2 premiums in the next month, your cover and policy will be cancelled.

Changing your Funeral Plan

What changes can I make to my policy?

You can change personal and payment information, add or remove family members, change family member information, add or remove beneficiaries, change beneficiary information or cancel your policy.

How can I add or remove family members?

You can add or remove family members by calling our call centre at 0800 168 472, or by emailing OneSpark at hello@onespark.co.za

Why am I not able to add family members?

If you are older than 60 or have more than the maximum allowed number of family members (please see the question “How many people can be covered under my OneSpark Funeral Plan?”) on your policy, you will not be able to add more family members.

How can I cancel my policy?

You can cancel your policy through calling our call centre at 0861 777 271 or emailing us at hello@onespark.co.za.

What happens when I cancel my policy?

If you cancel your policy, you and your family members will no longer be able to claim under your policy and all benefits will cease.

What happens if I cancel my policy within 31 days of taking it out?

Provided no claims have been made within the 31 days, your policy will immediately be cancelled and any premium you paid up until that point will be returned to you.

Can I reinstate my cover after cancelling my policy?

Yes, you can reinstate your cover within 2 months after cancelling your policy. If you try to reinstate your cover more than two months after you cancelled your policy, you will not be reinstated to that same policy and you will be issued a new policy with new benefits, where the full waiting period will apply. A maximum of 2 reinstatements will be allowed on a single policy over the entire policy term.


When can I claim?

If you (or your family members) pass away, your beneficiaries (or you) will be able to claim if all premiums for the insured life are fully paid up to date.

How do I claim?

You (or your nominated beneficiaries) can start the claim process through calling our call centre at 0800 168 472 or emailing us at claims@onespark.co.za.

What documents are required when claiming?

  1. Completed funeral claim form
  2. Certified copy of death certificate
  3. Certified copy of insured person’s ID
  4. Certified copy of all beneficiaries’ ID
  5. Certified copy of the claimant’s ID (if not a beneficiary)
  6. DHA1663 – notification of death register from the Department of Home Affairs
  7. Claimant/Beneficiary 1 month bank statement
  8. Proof of residence - not older than 3 months.
  9. If its an unnatural death - a police report / post-mortem report
  10. If death is a result of a motor vehicle accident - a copy of the motor vehicle accident report

If it’s a natural death (please see the question “What is a natural death?”) within the first 6 (six) months after your cover started - proof of previous cover at another insurer.

How long does it take for a claim decision to be made?

After all the required documents have been received, a claim decision will be made within 2 business days (that is, the claim will be approved or rejected within 2 business days).

When is the benefit paid?

The benefit will be paid after a claim has been approved, but there might be a slight delay before the amount appears in the bank account to which the payment is made due to payment settlement delays between our bank and your bank (or your beneficiaries’ bank).

What is a waiting period and when is it applied?

A waiting period is an amount of time that needs to pass before you (or your family members) are able to be covered for a particular claim. A 6-month waiting period, from the date your cover or your family members’ cover starts, applies for natural death and a 12-month waiting period applies for suicide from the date that your or your family members’ cover starts.

What is a natural death?

Death that excludes accidental death and suicide. These deaths are related to illnesses, diseases and any other natural causes, for example (but not limited to) deaths from cancer or a heart attack.

What is an accidental death?

Death caused by an injury from an accident (please see the question “What is an accident?”).

What is an accident?

A sudden and unexpected event, which happened at a specific time and place and is caused by violent, external, physical and visible means and causes an injury. This does not include self-inflicted injury or suicide.

What happens if a life insured on my policy dies from natural causes (that is, a natural death occurs) within the waiting period?

If a life insured on your policy dies from natural causes within the waiting period, the premiums paid for the specific life will be refunded to you (if one of your family members pass away) or to your beneficiaries (if you pass away).

When is the waiting period not applied?

A Waiting Period will not be applied in instances where a you or your family members:

  1. Were covered on a similar policy (policies) with a different insurer(s) in the 31 days prior to the day when the cover starts; and
  2. The waiting period on that policy had already expired; and
  3. This policy is a replacement policy (for the cancelled policy at the different insurer).

When will I or my family members not be able to claim?

  • If your policy premium is not paid up to date; or
  • If death occurs during the waiting period (except where the relevant waiting periods are not applicable); or
  • If the cause of death is intentionally self-inflicted injury, suicide or a suicide attempt (whether sane or insane) within the first 12 (twelve) months after your cover starts or from reinstatement date; or
  • If any life insured on your policy or any of their representatives commits any breach of law; or
  • If any life insured on your policy participates in any criminal activities; or
  • If any life insured on your policy has not complied with all the obligations and conditions of the policy; or
  • If the cause of death is nuclear accidents, war or armed conflict (whether war be declared or not), terrorist or insurgency activities, rebellion, civil commotion, sedition, sabotage or any activity associated with the aforegoing, or the defence, quelling, investigation or containment thereof by any security force.
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