The best funeral cover policies under R200 per month

Funeral cover is the most-bought insurance product in South Africa. The market is dominated by Old Mutual, Sanlam, AVBOB and Metropolitan, with newer entrants like Clientèle competing on payout speed.

For under R200 per month, a family of four can secure R30,000 of cover with a 48-hour payout and a 6-month waiting period on natural-cause deaths.

Always check the extended-family rider rules — they vary materially and are the most common claim dispute.