Q: Is this an individual policy?
A: Each policy is in the name of the main member (policy holder), however you form part of a group which means that the group shares the risk and premium cost.
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Q: Who is the underwriter?
A: AVBOB Mutual Assurance Society.
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Q: Am I obliged to use AVBOB as the funeral undertaker?
A: No, however as a member of this group, AVBOB provides certain discounts in terms of funeral costs.
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Q: What is the role of VIKO SERVICES?
A: VIKO SERVICES is an administrator for your funeral policy, registered as a Category 1A service provider by the FSCA with 20 years’ experience in the funeral administration industry. We will administer your policy: on-boarding, premium payments to AVBOB and all your claims. We pride ourselves in being compliant to the Regulations and are being monitored on a quarterly basis by an FSCA - appointed compliance officer [Masthead].
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Q: What is the entry age?
A: Main member and spouse – between 18 and 64 years; Children: stillborn (gestation period 26 weeks) to 21 years [see comprehensive conditions regarding students, mentally- and physical disabled and adoptive children); Parents: maximum four (parents and in-laws) with equal cover not exceeding the cover of the main member and not older than 74 years.
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Q: Is there a waiting period?
A: Yes – 6 months except for unnatural deaths excluding suicide.
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Q: What is the definition of a child?
A: * stillborn [over 26 weeks gestation period] not older than 21 years, *biological child, * legally adopted child * foster child, * children over 21 (full-time student not older than 26 years, mentally/physically disabled child provided cover commenced before the age of 21 years. Maximum 5 children per policy.
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Q: Can foreign nationals enjoy cover?
A: All policyholders (main members) must be South African citizens.
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Q: Can I nominate anyone as beneficiary?
A: Yes, as long as the beneficiary has an RSA Identity document and older than 18 years.
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Q: What is an extended family member?
A: A family member not part of the Main Policy.
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Q: Can I reclaim any paid premiums if I cancel the policy?
A: No. This is not a cash-back policy, you enjoy cover per month. (Payment end of the month for cover the next month)
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Q: How will a claim be paid?
A: Via EFT into the main member’s / beneficiary’s nominated bank account.
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Q: How soon will a claim be processed?
A: As soon as all the relevant and required and certified documentation is received. It will then be sent to AVBOB for verification and payments.
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Q: What is the form and manner of supporting documents?
A: Copies of original documents certified by a Commissioner of Oaths.
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Q: Which documentation is needed to submit a claim?
A CERTIFIED copy of: ​​
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ID - [Main member]
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ID - [Beneficiary]
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ID - [Deceased]
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Abridged death certificate DHA-5 AND
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First 3 pages of DHA 1663. Registration of death/stillborn OR
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First 3 pages of DHA 1680. (If deceased died at home)
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Burial Order OR
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Letter of Confirmation of Funeral Parlor (if not AVBOB)
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Proof of Bank Account (Beneficiary)
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In case of an unnatural death: SAPS case number and declaration of cause of death. (Relevant document for completion by SAPS will be provided by VIKO SERVICES. Please contact us)
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If disputed or applicable: Unabridged birth certificate, letter of confirmation of university, college, etc... Letter from physician in terms of a gestation period.
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Q: Is there a time frame to submit a claim?
A: No, VIKO SERVICES will endeavor to submit the claim as long as all premiums were paid by the time of death.