A woman consults a doctor in a white lab coat about the results of her COVID-19 test. Whatever happens next, she can rest at ease, knowing her funeral insurance cover will pay-out to her family if she succumbs to the coronavirus.

Does Funeral Insurance Cover COVID-19 Deaths?

As the death count for COVID-19 steadily rises, many people are wondering if their funeral cover packages will protect their families from the financial strain of a global pandemic. With so many people passing away at the hands of this dreadful infection, will funeral insurance companies take the easy way out and leave you standing with the funeral bills and a broken heart. We look at the question: Will funeral insurance cover deaths caused by COVID-19?

What Will My Funeral Insurance Cover In The Event Of A COVID-19 Death?

All funeral insurance companies should treat a COVID-19 death as they would any other. In the event of the death of the insured, your funeral cover policy should pay out a lump-sum to your designated beneficiaries as per your agreement. This funeral cash pay-out can be used at the beneficiary’s discretion to cover the costs of your funeral. Funeral expenses climb depending on the coffin selected, the funeral parlour’s preparations, flower arrangements, the grave plot, the headstone, and the number of attendees at the funeral itself.

What About Funeral Cover Waiting Periods?

All funeral insurance companies will require you to wait at least six months before the benefits kick in. Most insurance companies will offer an accidental death benefit for the duration of these six months. However, as the name implies this pay-out would only apply to deaths caused by an accident. As such, don’t expect this benefit to jump to your rescue if you contract COVID-19 in those six months.

How Does Funeral Insurance Apply To COVID-19 Deaths?

For the most part, funeral cover insurers would treat a COVID-19 death like any other death due to illness. Your agreed upon cover amount would be paid out, once all conditions to make a claim have been met. In these uncertain times, it’s a comfort to know that funeral insurance companies generally remain constant in their commitment to you and your family.


Once you have the right funeral insurance policy in place, and have made it through the waiting period, you can enjoy a reasonable degree of peace of mind. While we soldier on through this pandemic, it’s important we look out for one another and continue to abide by the guidelines of the World Health Organisation:

  • Wash your hands often or use hand sanitiser regularly.
  • Stay home if you’re sick.
  • Wear a face mask whenever you leave your house.
  • Cover your coughs or sneezes, preferably with a tissue or the crook of your elbow.
  • Avoid touching your face, especially your eyes, nose and mouth.
  • Avoid close contact with people, who display COVID-19 symptoms.
  • Clean often-touched surfaces in your home regularly.
  • If you have to travel, take precautions.