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How to claim
When you need to let us know
We must be notified within 90 days of any event that will lead to a claim.
Please ensure that your covered employees are aware of this and know how to reach us to make their claim.
What you need to give us
What you need to provide for each type of claim is set out below. This information is also available in your policy document, and our claims team can give more detail where needed.
Contact us
Make sure your loved ones know that you have taken out this policy, and how to contact us if they ever need to claim. We are in this business to pay benefits to those in need, and we are standing by to help:
- Call us on 021 045 1469
- Email us at claims@randmutual.co.za
- Let us call you
Claim
Terminal illness
- Certified copy of insured person’s ID
- Terminal Illness claim form
- Terminal Illness medical report
Claim
Life cover
- Certified copy of death certificate
- Certified copy of insured person’s ID
- Certified copy of the beneficiary’s ID
- Completed death claim form
- Completed medical report
Claim
Funeral cover
- Certified copy of death certificate
- Certified copy of insured person’s ID
- Certified copy of the beneficiary’s ID
- Completed funeral claim form
- DHA1663 – notification of death register
- Claimant/Beneficiary 1 month bank statement
Claim
Disability cover
- Certified copy of insured person’s ID
- Completed claim form
- Completed medical report form together with copies of any specialist reports and investigations relating to the claim cause
Forms
Certificates
Forms
Claims
Additional information
We also have the right to ask for additional supporting information from time to time. For example, if the insured person dies within the first 2 years, we might need the following additional information:
- Police report/statement completed by the police
- Copy of the post-mortem report
- Result of any forensic laboratory investigations
- Inquest findings (if appropriate)
- Full verdict in the case of murder (if appropriate)
The underwriter of this policy is RMA Life, a registered long-term insurer, and they are ultimately responsible for paying any claims on RMA Life policies. RMA Life depends on you and your beneficiaries to be completely truthful both in your original application and during the claims process.
If you are not truthful or do not disclose all relevant information, or misrepresent information to us, RMA Life has the right to cancel your policy, or change the terms of your policy.
If your claim is based on false or incomplete information, RMA Life will not pay the claim. If, after RMA Life pays any claim, RMA Life finds that it was based on false or incomplete information, all claim payments will have to be refunded to them.