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Death claim


Death can occur as a result of natural or unnatural causes.

Natural causes refer to internal factors such as medical conditions, illnesses or diseases. Examples of natural causes are cancer and diabetes.

Unnatural causes refer to external factors such as trauma from an accident. Examples of unnatural causes are suicide and a motor vehicle accident.

If a valid death claim is admitted, the claim amount will be paid to the following people in the following order:
  • The cessionary (if any)
  • The beneficiaries for proceeds (if any)
  • The policyholder, if different to the life insured
  • The deceased estate, if the life insured and policyholder is the same person

Death claim requirements

  • A copy of the death certificate (BI-5).
  • A copy of the deceased insured life’s identity document or birth certificate (if younger than 18 years).
  • A copy of the Notification of Death From (DHA-1663) obtainable from the doctor who declared the death.
  • The Death Claim Form completed and signed by the claimant or duly authorised representative of the claimant.
  • If death is due to unnatural causes, the Unnatural Death Claim Form is also required and must be completed by the Investigating Police Officer.
  • The Medical Certificate for Death Claim Form, required only if the benefit started less than 3 years from the claim event date.
  • The POPIA Consent Form completed and signed by the claimant or duly authorised representative of the claimant.
  • Proof of banking details, in the name of the claimant (natural person, minor, deceased estate, legal entity), not older than three months on a bank letterhead or that has a bank stamp on it.

And the following additional requirements:

If the claimant (beneficiary) is a natural person

  • A copy of the claimant's identity document(s).

If the claimant (policyholder) is a natural person

  • A copy of the policyholder(s) identity document(s).

If the claimant is a cessionary

  • A copy of the authorised representative’s identity document.
  • A written instruction from the cessionary confirming the bank account to use for the claim payment as well as proof thereof not older than three months on a bank letterhead or that has a bank stamp on it.

If the claimant (beneficiary) is a minor

  • A copy of the legal guardian’s identity document.
  • And the legal guardian is a biological parent, we require a certified copy of an unabridged birth certificate, which reflects both parents’ names.
  • And the legal guardian is not the biological parent, official proof of guardianship as issued by the Master of the High Court or Children's Court and a copy of the birth certificate

If the claimant is the deceased estate

  • A copy of the legally appointed executor’s identity document.
  • A copy of the letter of executorship or Article 18 (3) letter of administration.

If the claimant is a trust

  • A copy of each trustee’s identity document.
  • A copy of the letter of authority issued by the Master of the High Court.
  • A copy of the trust deed and resolution

If the claimant is a company

  • A copy of the authorised representative’s identity document.
  • A copy of the CK1 documents and resolution.

If the claimant (beneficiary) is a foreign national

  • A copy of claimant’s passport
  • A copy of the claimant’s naturalisation certificate, if born in South Africa
  • Exchange Control Form MP336 (b) (an application to the South African Reserve Bank for foreign capital allowance) completed in full and signed by the claimant.

  • OR
  • Written confirmation that the claimant never lived in South Africa and was not a South African resident (if that is the case).
  • Declaration by the Claimant Form
  • The name of the bank and branch where the claimant banked in South Africa, before departure.

We may require additional information for medical requirements and legal entities.

Contact details to submit a Death claim (all causes)


deathclaims@momentum.co.za

Fax: +27 12 675 3947

Types of
Life Insurance claims

Funeral Benefit
claim

Lump sum Disability and
Impairment Benefit claim

Critical Illness Benefit
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claim

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