Question 1

What does Tombstone Insurance actually pay for?

Accepted Answer

It pays for the making, supply and installation of a tombstone from Inxaso Collection, up to the benefit amount of your plan. You pay a small monthly premium instead of a large lump sum.

Question 2

Do I need a medical examination to join?

Accepted Answer

No. There are no medical examinations and no blood tests. You answer a few short questions in the online application and cover starts once your first premium is received.

Question 3

What is the waiting period?

Accepted Answer

A general waiting period applies from the start of your policy, and a longer period applies to natural causes. Accidental death is covered immediately. The exact periods are set out in your policy schedule.

Question 4

Who can I cover on one policy?

Accepted Answer

The main member, a spouse and dependants, each rated by age band. You can add or remove dependants later from your policy.

Question 5

How long does installation take?

Accepted Answer

Once a claim is approved and the cemetery has given permission, make and installation is typically completed within 60 days. Prestige plans carry a guaranteed 60-day installation.

Question 6

Can I choose any tombstone?

Accepted Answer

You can choose any design in Inxaso Collection up to your plan's tombstone cover. If you want a design above that value, you can top up the difference.

Question 7

What is the difference between Tombstone Insurance and Protection Cover?

Accepted Answer

Tombstone Insurance pays for a tombstone to be built and installed. Protection Cover protects a tombstone that is already standing — against vandalism, theft, accidental damage, fire and storm — and pays for cleaning, polishing, re-engraving, re-levelling and crack repairs.

Question 8

Can I take Protection Cover on a tombstone I bought elsewhere?

Accepted Answer

Yes. Any tombstone in good condition can be brought onto cover after a simple photo assessment.

Question 9

How much does it cost?

Accepted Answer

Premiums are banded by the value of the tombstone and start at R80 a month.

Question 10

What is not covered?

Accepted Answer

Pre-existing damage, damage caused deliberately by the policyholder, and normal fading within the waiting period. Full exclusions are listed on the Protection Cover page.

Question 11

What does Inxaso Meat Cover Plan pay out?

Accepted Answer

It provides a sheep or goat, a half cow or a whole cow, prepared and delivered for a funeral or a tombstone unveiling, depending on the benefit you choose.

Question 12

Is it paid in cash?

Accepted Answer

No. The benefit is delivered as meat, professionally sourced, slaughtered, prepared and packaged through accredited facilities.

Question 13

Do I need a tombstone policy to take Inxaso Meat Cover Plan?

Accepted Answer

No. Inxaso Meat Cover Plan is a standalone product with its own premium and waiting period, and it can be added to any plan or held on its own.

Question 14

Can a stokvel or burial society join as a group?

Accepted Answer

Yes. Community Cover lets an administrator enrol members under one arrangement, with group discounts from 10 members upward and individual certificates for each member.

Question 15

How do I pay my premium?

Accepted Answer

By monthly debit order on a date that suits you, or by EFT. Group administrators can pay one consolidated premium for all members.

Question 16

What happens if I miss a premium?

Accepted Answer

You have a grace period to catch up. If premiums remain unpaid, the policy lapses and cover ends — we will always contact you before that happens.

Question 17

Can I cancel?

Accepted Answer

Yes, at any time, in writing. If you cancel within the cooling-off period and no claim has been made, premiums already paid are refunded.

Everything families ask us, answered plainly.

Tombstone Insurance

Protection Cover

Inxaso Meat Cover Plan

Groups, premiums and payments

Ready to take out cover?