Individual Funeral Plan
Covers the policyholder.
Namibia
Take Care of What Matters
Funeral Cover handles every detail, so your family can focus on each other.
Who is eligible for cover?
- No medical underwriting required.
- Individual Plan covers the policyholder.
- Family Plan covers the main member, one spouse, up to 6 children, 6 extended family members, 2 parents, and 2 parents-in-law.
- Disabled children are covered for life as long as they remain unmarried.
- No waiting period.
All members must be added at policy commencement. A new spouse or partner can be added within 6 months of the birth, marriage, adoption, or commencement of marriage.
| Individual Funeral Plan | |
|---|---|
| Policyholder | Between age 18 and 65 at entry |
| Family Funeral Plan | |
| Main Member | Between age 18 and 65 at entry |
| Spouse | Between age 18 and 65 at entry |
| Children | Up to 6 children, not older than 18 |
| Extended Family | Up to 6 extended family members |
| Parents | Up to 2 parents |
| Parents-in-law | Up to 2 parents-in-law |
| Disabled Children | Covered for life if unmarried |
The Benefits
No medical examination
No medical tests are needed and no medical questions need to be answered.
Cover for life
Cover does not end provided all monthly premiums are paid.
No waiting period
For death due to an accident.
Premium waiver
Should the policyholder pass away, and the policy has been in force for at least 12 months, the insured lives (including parents and parents-in-law) will be provided cover for 12 months without any premiums having to be paid during this period. Therefore, the spouse of the policyholder may continue with the policy by paying the monthly premiums without additional waiting periods being served.
Double accident benefit
Should the policyholder or the spouse die due to an accident, our Liberty Accident Benefit will pay out a lump sum equal to twice the value of the selected cover.
Cover increase
You can increase your cover at any time and normal waiting periods will apply to the increase in cover for natural deaths.
Out of country cover
Should you travel on business or leisure, you will continue to be covered anywhere in the world for up to 12 months. You may increase the 12-month period by informing us in writing and we will confirm before this is effected.
Monthly premiums
Choose the cover amount that suits your family. Premiums are paid monthly and remain affordable across every cover band.
| Period | Plan | Benefit | Value |
|---|---|---|---|
| Monthly | Individual Funeral Plan | N$5,000 | N$21.60 |
| Monthly | Family Funeral Plan | N$5,000 | N$42.00 |
| Monthly | Individual Funeral Plan | N$10,000 | N$42.00 |
| Monthly | Family Funeral Plan | N$10,000 | N$84.00 |
| Monthly | Individual Funeral Plan | N$15,000 | N$58.80 |
| Monthly | Family Funeral Plan | N$15,000 | N$126.00 |
| Monthly | Individual Funeral Plan | N$20,000 | N$78.00 |
| Monthly | Family Funeral Plan | N$20,000 | N$168.00 |
| Monthly | Individual Funeral Plan | N$30,000 | N$117.60 |
| Monthly | Family Funeral Plan | N$30,000 | N$252.00 |
Not sure which plan suits your family?
Speak to a Liberty adviser. We'll call you back at a time that works for you.
Who Can Be Covered
Cover percentages adjust by age band so families can build appropriate cover for every member.
| Insured Member | Age Range | Cover Percentage |
|---|---|---|
| Policyholder, spouse, child | Age 15 up to 23 | 100% of cover selected |
| Child | Age 5 up to 15 | 50% of cover selected |
| Child | Age 1 up to 5 | 25% of cover selected |
| Child | Less than 1 year including stillborn | 12.5% of cover selected |
Optional benefits available at an additional monthly premium
Add cover for tombstone expenses, parents-in-law, body transportation and accident benefits.
| Benefit | Cover | Plan | Premium |
|---|---|---|---|
| Emanya Tombstone | N$10,000 | Individual Funeral Plan | N$84.40 |
| Emanya Tombstone | N$10,000 | Family Funeral Plan | N$84.40 |
| Emanya Tombstone | N$15,000 | Individual Funeral Plan | N$84.40 |
| Emanya Tombstone | N$15,000 | Family Funeral Plan | N$84.40 |
| Parents/Parents-in-law | The lesser of the policyholder's cover or a maximum of N$15,000 | Individual Funeral Plan & Family Funeral Plan | N$19.50 per N$2,500 of cover |
| Body transportation | Body transportation at N$4.50 per kilometre per person | Individual Funeral Plan | N$9.00 per person |
| Body transportation | Body transportation at N$4.50 per kilometre per person | Family Funeral Plan | N$9.00 for the policyholder, plus N$9.00 per additional person covered |
Frequently asked questions
Who can be covered under the Funeral Plan?
The main member, spouse, up to 6 children, 6 extended family members, 2 parents, and 2 parents-in-law.
How quickly are claims paid?
Most claims are paid within 8 hours, with a maximum of 48 hours once all relevant documents are received.
Is medical underwriting required?
No medical underwriting is required.
Are there additional benefits included?
Yes. Memorial cover, tombstone cover, body transportation, double accidental benefit, and premium waiver.
What is the Emanya Tombstone add-on?
The Emanya Tombstone add-on provides additional cover for tombstone expenses, available in N$10,000 and N$15,000 options for both Individual and Family plans.
How does the body transportation add-on work?
Body transportation is charged at N$4.50 per kilometre per person. Individual plans pay N$9.00 per person. Family plans pay N$9.00 for the policyholder plus N$9.00 per additional family member.
Are disabled children covered?
Yes. Disabled children are covered for life as long as they remain unmarried.
Funeral Plan
There are two cover options so you can choose the one most suitable to your needs.
Family Funeral Plan
Covers the policyholder, one spouse and up to six children.
Ready to protect your family?
Request a call back today. A Liberty adviser will help you choose the right cover.