Your questions about funeral cover answered
At Bonlife, we hear the same questions from families across Namibia every day. From Otjiwarongo to Lüderitz, from Tsumeb to Mariental, people want straight answers about funeral cover.
Today, we’re answering your most important questions in plain language.
Table of Contents
What happens if I miss a payment?
This is the question that keeps families awake at night. Life happens – the car breaks down, medical bills arrive, or work gets slow.
Bonlife’s Approach:
- 30-Day Grace Period: You have 30 days after a missed payment to catch up
- No Immediate Cancellation: We don’t cancel your policy the day after a missed payment
- Flexible Arrangements: Our agents can work with you to create a payment plan that fits your situation
- Reinstatement Options: Even if your policy lapses, you can often restart it without losing all your benefits
How do claims actually work?
When someone passes away, families are grieving and overwhelmed. The last thing they need is complicated claim procedures.
Bonlife’s 48-Hour promise:
- Report the death: Call our claims hotline or visit any branch immediately
- Required documents: We only need the death certificate and policy documents
- Simple form: One page form, no complicated questions
- Fast processing: Claims approved within 48 hours of receiving complete documents
- Direct payment: Money paid directly to the family or nominated beneficiary
What we don’t need:
- Post-mortem reports (unless legally required)
- Multiple doctor certificates
- Lengthy investigations for natural deaths
- Family meetings with investigators
Who can I cover under one policy?
Namibian families are extended families. We understand this reality.
You can cover:
- Your spouse or partner
- Your children (including adopted children)
- Your parents and in-laws
- Your grandchildren
- Your siblings
- Other dependents living with you
Coverage amounts per person:
- Adults: Up to N$25,000 each
- Children (6 months to 18 years): Up to N$15,000 each
- Maximum total per family policy: N$140,000
Flexibility: Add or remove family members as your situation changes. New baby? Add them easily. Child reaches independence? Adjust the policy.
Are there waiting periods?
This question often causes confusion because different companies have different rules.
Bonlife’s clear policy:
- No waiting period for natural death: Coverage begins immediately after your first payment
- No waiting period for accidental death: Immediate coverage from day one
- No waiting period for any age: Whether you’re 25 or 75, the same rules apply
- The only exception: We cannot cover pre-existing terminal illnesses diagnosed before policy start
If you start your policy today and something happens next month, your family is fully covered.
What if someone dies outside Namibia?
Namibian families live all over southern Africa and beyond. We know people die while visiting relatives in South Africa, working in Angola, or studying abroad.
Bonlife’s coverage:
- Southern Africa: Full coverage throughout SADC countries
- Worldwide Coverage: Claims honored globally, though repatriation costs may have limits
- Required: Death certificate from local authorities and official translation if needed
- Support: Our team helps coordinate with embassies and local authorities
Can I increase my coverage later?
Life changes. Salaries increase. Family size grows. You might want more coverage as time goes on.
Bonlife’s flexibility:
- Annual Reviews: Increase coverage amounts each year without new applications
- Life Event Increases: Marriage, new children, improved income – all reasons to increase coverage
- Gradual Increases: Add N$5,000 increments rather than large jumps
- Same Terms: Increases maintain your original policy terms
What about pre-existing medical conditions?
This worries many Namibians who have diabetes, high blood pressure, HIV, or other chronic conditions.
Bonlife’s position:
- All conditions accepted: We don’t discriminate based on health status
- Same premiums: Everyone pays the same rates regardless of health
- No medical disclosure required: Your health information stays private
- Equal treatment: Claims processed the same way for everyone
How much should I budget for funeral cover?
Families want to know what protection costs relative to their monthly budget.
Bonlife’s affordable pricing:
- Individual cover: From N$45 per month
- Family plans: From N$120 per month for basic coverage
- Maximum plans: Around N$350 per month for full N$140,000 family coverage
- Cash payment options: Monthly cash payments accepted at all branches
Budgeting tip: Most families spend 2-4% of their monthly income on funeral cover. For a household earning N$4,000 monthly, N$120-160 provides solid family protection.
Can I pay cash instead of bank transfers?
Many Namibian families prefer cash transactions, especially in rural areas or informal employment.
Bonlife’s cash plan:
- Monthly cash payments: Available at all 19 branches
- Flexible timing: Pay within the first 15 days of each month
- Receipt system: Detailed receipts for every payment
- No bank account required: Perfect for families without formal banking relationships
What documentation do I need?
Keep it simple – that’s our motto.
To start your policy:
- Valid ID document (Namibian ID or passport)
- Proof of address (utility bill or lease agreement)
- List of people you want to cover with their ID details
For claims:
- Death certificate from local authorities
- Your policy documents
- ID of the person claiming the benefits
Ready to get protected?
These answers come from real questions asked by real Namibian families. We believe in transparency, simplicity, and treating every family with respect.
Still have questions? Our friendly agents are available to help in English, Afrikaans, Oshiwambo, Otjiherero, and other local languages.
Contact Bonlife today:
- WhatsApp: +264 81 413 4557 (wa.link/bonlife)
- Call: +264 8333 71730
- Email: info@bonlifenam.com
- Visit any of our 19 branches from Ondangwa to Oranjemund
Don’t wait until it’s too late. Every day without funeral cover is a day your family is at risk. Choose protection. Choose peace of mind. Choose Bonlife.
Seho Omukalo – I choose protection. Make that choice today.
