Starting from as little as R108 per month you can build your own policy to suit your specific needs and your pocket. Each additional Extended Family member and additional benefit has a small premium. You decide what you want in your policy and the monthly premium will be calculated.

• Contact the AUL Service Centre on 087 820 0049 and report the claim.

• AUL will assist you to obtain all the relevant documents e.g. death certificate, deceased ID / Passport, beneficiary ID / passport and bank details, claim form. For claims for Extended Family members back home in the SADC country, AUL will assist as to what forms will be required. On receipt of the documents the claim will be processed and if valid, paid out within 24-48 hours. The beneficiary will be kept updated on the progress of the claim.
  

• You can pay your monthly premium by cash or with your OBC Thola Zonke card at any OBC Store or you can pay via debit order.
  

• Ensure your correct banking details are provided and please ensure you have sufficient funds in your account when your debit order is due to deduct. If your debit order fails, you can also pay cash at any OBC store to ensure you don’t lose your benefits.
  

• When should I buy Funeral Cover?

Many individuals prefer to postpone the purchase of any insurance until such a time that they have dependents. It is important to ask yourself if anyone will suffer financially if you were to die. If so, OBC funeral cover will protect your family from unexpected funeral costs in the event of your death.

• When does my cover begin?

Membership begins when the insurance company accepts your application form. Cover commences after the waiting period has expired.

• Should I change from one insurance company to the next, every couple of years, to save on premium?

This is not recommended. Before you decide to change from one insurer to the next, make sure you ask the important questions. Are your benefits better? Will any waiting periods apply? How do I really benefit if I decide to change? Who is the new insurer? Are they reputable and are they registered with the FSCA?

• Is there a waiting period when I cannot claim?

YES, the following waiting periods apply:

1) Natural Causes: The Principal member and his/her family have a 3 calendar month waiting period and Extended Family members have a 6 calendar month waiting period.

2) Unnatural Causes/Accidental Death: No waiting period applies. Cover commences after receipt of the 1st premium.

3) Suicide: 12 calendar month waiting period applies.

• How long does it take for my beneficiary to receive the cash pay out after I die?

Valid claims are processed and paid within 24-48 hours after receipt of all the relevant claim documents. Promptness of payment is dependent on the correct documentation being supplied.

If you have received inadequate information or unsatisfactory service or have complaints about the advice you have received, please contact AUL’s Compliance department at: complaints@africanunity.co.za.

Should you be unsatisfied with the complaints handling process of AUL’s Compliance Officer, you can contact the Ombudsman for Long-term Insurance using the details below.

You must have a valid RSA Id document or Passport (if you are a foreign national). You must be between 18-65 years to qualify for the OBC Funeral Plan. Extended Family members must be under month on or before the 5th – either with cash using your Thola Zonke card at any OBC till point or via debit order. Your policy will lapse if you don’t pay your premiums. Waiting periods do apply as per above. If your policy lapses and you want to re-join at a later stage, waiting periods will apply unless the insurance company is prepared to waive the waiting period. Claims will only be paid into a valid RSA bank account. The OBC Voucher to the value of R4 500 (only applicable on the death of the Principal member) will be paid into your Thola Zonke card which your beneficiary can redeem at any OBC Store. You will receive a policy schedule within 48 hours of signing up for the OBC Funeral Plan. Underwritten by African Unity Life Limited, a registered insurer and authorised financial services provider FSP 8447.