Question 1

How do I claim?

Accepted Answer

Contact your nearest branch or Head Office with the death certificate, ID documents and policy details. Our team will guide you through the claims process and confirm your payout timeline.

Question 2

What documents are needed when lodging a claim?

Accepted Answer

A fully completed funeral claim form, a certified copy of the deceased's ID or passport, a certified copy of the beneficiary's ID or passport, a Notification of Death or Still Birth form (DHA-1663, all four pages), a certified copy of the computerised death certificate, and valid proof of banking details not older than three months.

Question 3

What is the turnaround time for a claim to be processed?

Accepted Answer

Vico will process and finalise a claim within 3-5 working days of receiving all required documentation. Claim payments can only be made into South African bank accounts.

Question 4

What are the waiting periods?

Accepted Answer

Standard cover and most top-up benefits carry a 6-month waiting period. Pensioner cover for ages 76-100 carries a 12-month waiting period.

Question 5

How do I join?

Accepted Answer

Apply online via our Apply for Cover page, or visit any branch to complete an application with a consultant.

Question 6

Am I able to move my existing policy from my current insurer to Vico?

Accepted Answer

Yes. If you are coming from another funeral parlour, provide your current policy certificate and your last three proofs of payment on application, and your cover will start immediately with no waiting period.

Question 7

What is the minimum and maximum age entry?

Accepted Answer

The minimum age at entry for the Main Member and Spouse is 18 years old. The maximum age at entry is 65 years for the Main Member and 75 years for the Spouse.

Question 8

When does the cover start on the policy?

Accepted Answer

Cover starts on the first day of the current month if we receive your premium between the 1st and 8th of that month. If received after the 7th, cover starts on the 1st of the following month.

Question 9

How long does it take for a policy to lapse?

Accepted Answer

The policy will lapse if premiums are not received for three consecutive months.

Question 10

Who has the right to make changes to the policy?

Accepted Answer

Only the policyholder/main member is allowed to make changes to the policy. The premium payer only has authority to change or adjust the payment method, specifically debit order or stop order.

Question 11

How do I add family members?

Accepted Answer

Main member cover includes up to nine additional members. Contact your branch or Head Office to add a family member to your policy.

Question 12

How do I update beneficiaries?

Accepted Answer

Visit your nearest branch with your ID and policy number to update your nominated beneficiaries at any time.

Question 13

What top-up benefits are available?

Accepted Answer

You can add the Salebedla payout, Goat Cover, Dudu Grocery Voucher, or a Standard Dome upgrade to your main member cover. See our Services page for full pricing.

Question 14

How do I pay for Vico?

Accepted Answer

You can pay using Debit Order, Stop Order, or Pay@ at Shoprite, Checkers, Pep, Pep Home, Spar, Pick n Pay and Ackermans.

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