UMQALAMBANE We-Funeral Policy Ka-R99/Ngenyanga: Indlela Isibonelelo Sakho Se-SASSA Sika-R390 Esintshontshwa Ngayo Ngokusemthethweni Ngo-2026

OKUSHISAYO ngoMeyi 2026: Umbiko omusha we-Financial Sector Conduct Authority (FSCA) uveza ukwanda okukhulu kwama-funeral policy angomzingeli aqondise abahlomuli be-SASSA. Lesi sihloko siveza indlela lezi zinhlelo zika-R99 ngenyanga ezidla ngayo ama-25% esibonelelo sakho sika-R390 ngezinhlelo eziyingozi kakhulu, futhi sikufundise indlela yokuzibona nokuzigwema.

Umzingeli Omusha Wezezimali: Indlela Ama-Policy Ka-R99 Aqondisa Ngayo Abahlomuli Be-SASSA Abayizigidi Ezisishiyagalombili

Umbiko ovela ku-Financial Sector Conduct Authority (FSCA) ngoMeyi 2026 uqinisekise lokho abaningi bethu ebesikwesaba. Kunenhlekelele enkulu ebhekiswe kubantu baseNingizimu Afrika abasengozini kakhulu, futhi lokhu kuhilela ukudayiswa ngolaka kwama-funeral policy omgunyathi kubahlomuli bezibonelelo ze-SASSA. Njengoba kunabantu abangaphezu kwezigidi ezingu-8.5 manje abaphila ngesibonelelo se-Social Relief of Distress (SRD) sika-R390, izinkampani zomshwalense zithumela amaqembu okudayisa anemfutho emiphakathini yakithi. Bathembisa “umngcwabo onesithunzi” ngo-R99 kuphela ngenyanga.

Ngithanda ukukubeka kucace: lokhu akukona ukusiza abantu. Kuyimodeli yebhizinisi ebaliwe futhi enamakhaza. Leyo ntengo ka-R99 ikhethwe ngokukhethekile ngoba izwakala ishibhile, kodwa empeleni idla u-25% omangalisayo womholo wenyanga womhlomuli. Ngikuthola kukhathaza kakhulu ukuthi ukwesaba umngcwabo ompofu kusetshenziselwa ukukhohlisa abantu ukuba basayinde izinkontileka abangazazi. I-FSCA ikhombisa ukuthi oyedwa kwabahlanu abathola isibonelelo se-SRD manje une-debit order ye-funeral policy, kanti eminingi yale nkampani ayibhalisiwe noma ayinawo ukuziphatha okuhle. Lona akuwona nje amadili amabi, kuyisimo esiphuthumayo sikazwelonke esidonsa izimali zosizo lwezenhlalakahle siye ngqo emaphaketheni abakhwabanisi.

Ukuhlahlela Inkohliso: “Inkokhelo Eqinisekisiwe” Namanye Amanga Owatshelwayo

Isitayela sokudayisa salezi ma-policy senzelwe ukudlala ngemizwa yakho. Abadayisi basebenzisa amaqhinga okucindezela futhi basebenzise nendlela esihlonipha ngayo amasiko omngcwabo. Amanga amakhulu abawatshelayo isithembiso sokuthi “wonke umuntu uyayamukelwa.” Nakuba bengase bavumele wonke umuntu ukuba abhalise, bakwenza kube nzima kakhulu ukuthola imali ngokuhamba kwesikhathi.

Imibhalo ye-policy ivamise ukufihlwa ngaphansi kwezigaba eziyinkimbinkimbi abantu abaningi abangakaze bazibone. Isibonelo, amaningi ala ma-policy anesikhathi sokulinda (waiting period) esiyizinyanga eziyisi-6 kuye kweziyi-12 ngokufa kwemvelo. Uma othandekayo wakho eshona ngenxa yokugula ngaleso sikhathi, inkampani ayikhokhi lutho, noma ingase ibuyisele nje izitolimende ozikhokhile. Bathanda futhi ukuthembisa “izinkokhelo ezisheshayo,” kodwa iqiniso liwukuthi wubhadi lwamaphepha nokulibaziseka. Ngokombiko we-Long-Term Insurance Ombudsman ka-2025, amaphesenti angaphezu kuka-30 ezikhalazo kwakumayelana nezicelo zomngcwabo ezinqatshiwe. Abadayisi ngeke neze bazisho lezi zingozi ngoba bafuna kuphela isignesha yakho nemininingwane yakho yasebhange ukuze bathole ikhomishini yabo.

Ukudliwa kuka-R390: Ukubala Izindleko Zangempela Zonyaka Ze-Policy Yokukhwabanisa

Leyo premium “encane” ka-R99 iyisithiyo, kodwa ukudliwa kwesibonelelo sakho sika-R390 isikhathi eside yiwona mshoshaphansi wangempela. Ake sibheke izibalo zangempela. I-policy ka-R99 ngenyanga ikudla R1,188 njalo ngonyaka. Uma uphila ngesibonelelo se-SRD, lokho kungaphezu kwezinyanga ezintathu ezigcwele zomholo wakho owuphelayo. Leyo yimali okufanele ngabe iya ekudleni, kugesi, noma ekuhambeni.

Ake ubheke inkokhelo abazoyikhipha. I-policy yokukhwabanisa evamile ingase ithembise inzuzo ka-R10,000. Ngemva kokukhokha u-R1,188 minyaka yonke, kuzomele ukhokhe iminyaka engaphezu kwengu-8 ukuze nje uhlanganise leyo mali abayikhokhayo. Lezi zinkampani empeleni zibala ukuthi kukhona lapho ungakhokhi khona. Uma uphuthelwa i-debit order eyodwa nje, i-policy ingaphelelwa yisikhathi (lapse) ngokushesha. Yonke imali oyikhokhile—amakhulu noma izinkulungwane zamarandi—iyaphela unomphela. Ulahlekelwa yikho konke. Lezi zinkampani ziqapha kakhulu uhlelo lwezinkokhelo ze-SASSA, futhi zihlela ukuba ama-debit order azo ashaye i-akhawunti yakho ngomzuzu nje isibonelelo sakho esifika ngawo.

UHLU LWEZIBONAKALISO EZIBOMVU: Indlela Yokubona Umshoshaphansi Womngcwabo Ngaphambi Kokuba Usayinde

Kumele ube sethubeni ukuze uvikele isibonelelo sakho. Ngaphambi kokuba usayinde noma yini noma unikeze imininingwane yakho yasebhange, sebenzisa lolu hlu ukuze ubone umkhonyovu. Uma ubona lezi zimpawu, baleka ngokushesha.

• Ingcindezi Enkulu: Uma bethi kumele usayinde “manje” kungenjalo ithuba lizodlula, bazama ukukuvimba ukuthi ucabange kahle.
• Ayikho Inombolo ye-FSP: Njalo cela inombolo yabo ye-Financial Services Provider (FSP). Uma bengakwazi ukuyikhombisa, noma uma ingasebenzi kusizindalwazi se-FSCA, abekho emthethweni.
• Amaphepha Angacacile: Uma bekukhombisa ibhukwana elihle kuphela futhi benqaba ukukunikeza idokhumenti egcwele enemibandela ebhaliwe (fine print), ungayisayindi.
• Ukucela i-PIN yakho: Lokhu kuyisibonakaliso esibomvu esikhulu. Inkampani yangempela ngeke neze icele i-PIN yakho yekhadi le-SASSA.
• Ukufuna Ukheshe: Uma umdayisi efuna i-premium yokuqala ngokheshe, kungenzeka ukuthi uyayintshontsha nje. Izinkokhelo ezisemthethweni zenzeka ngeziteshi zasebhange ezisemthethweni.
• Abatshali-mali Abafihliwe: Uma inkampani ethi “XYZ Funerals” idayisa i-policy, buza ukuthi ubani oyi-underwriter. I-policy yangempela ihlezi isekelwa inkampani enkulu yomshwalense ebhalisiwe njenge-Sanlam noma i-Old Mutual.

Ezinye Izindlela Eziphephile: Umshwalense Womngcwabo Osemthethweni Ngaphansi Kwesabelomali Se-SASSA

Usengakwazi ukuthola umngcwabo onesithunzi ngaphandle kokuwela ogibeni. Kukhona izindlela ezingcono zokubhekana nalokhu, ngisho noma imali ishoda. Okokuqala, bambelela ezinkampanini zomshwalense ezaziwayo esezibe khona iminyaka eminingi. Eziningi zinikela ngama-policy ayisisekelo, abiza kancane ngo-R30 kuya ku-R50 ngenyanga. Lawa alawulwa kahle yi-FSCA.

Enye indlela ukujoyina uMphakathi Womngcwabo (Stokvel). Lawa ngamaqembu omphakathi lapho abantu bazana khona futhi bakhathalelane. Ngokuvamile aguquguquka kakhulu kunenkampani enkulu. Amalungu afaka isamba esincane nyanga zonke, kanti imali isiza umndeni lapho kukhona oshonile. I-National Stokvel Association of South Africa (NASASA) ithi lezi zinhlangano ziyisivikelo esibalulekile kubantu bakithi. Amanye amabhange nawo anikela ngomshwalense oyisisekelo njengento eyengeziwe eshibhile ku-akhawunti yakho. Noma yini oyikhethayo, yenza ucwaningo lwakho futhi uqinisekise inombolo ye-FSP kusizindalwazi se-FSCA.

Amalungelo Akho: Indlela Yokumisa I-Policy Embi Futhi Ubike Abakhwabanisi Ngo-2026

Uma usuvele usayindiswe i-policy embi, ungethuki. Unamalungelo, futhi umthetho ukhona ukuze ukuvikele. Ngaphansi kwemithetho ye-Policyholder Protection Rules, unesikhathi okuthiwa yi-“cooling-off”. Lokhu kusho ukuthi unezinsuku ezingu-31 kusukela osukwini othola ngalo imibhalo yakho ye-policy ukuthi uyihoxise nganoma yisiphi isizathu futhi uthole ukubuyiselwa kwemali yakho egcwele.

Ukuze wenze lokhu, kufanele uthinte inkampani yomshwalense ngokubhalwe phansi—i-email ilungele kakhulu ukuze ube nobufakazi. Uma usudlule ezinsukwini ezingu-31, usengakhansela, nakuba kungenzeka ungayitholi imali yakho yezitolimende zasendulo. Kufanele futhi ubike inkampani uma ikukhohlisile. Faka isikhalazo ku-Financial Sector Conduct Authority (FSCA). Yibona abanamandla okuhlawulisa noma ukuvala laba bakhwabanisi. Uma inkampani esemthethweni yenaba ukukhokha isicelo somngcwabo, thinta i-Ombudsman for Long-Term Insurance. Usizo lwabo lwamahhala futhi basiza ekuxazululeni izingxabano ngokungakhethi.

FAQs

Ingabe inkampani ye-funeral policy ingadonsa imali e-akhawuntini yami ye-SASSA ngokusemthethweni?

Yebo, uma usayinde ifomu le-debit order, bangayithatha imali ku-akhawunti lapho kukhokhwa khona isibonelelo sakho se-SASSA. Kodwa ngeke bakwenze lokhu ngaphandle kwemvume yakho ecacile. Ngaphansi komthetho we-National Payment System Act, kumele unikeze imvume yanoma yikuphi ukudonswa kwemali. Ungalokothi unikeze imininingwane yakho yasebhange noma usayinde ifomu ngaphandle kokuthi uqinisekile ukuthi uyayifuna i-policy.

Ingabe u-R99 ngenyanga yimali eningi kakhulu yomshwalense womngcwabo esibonelelweni sika-R390?

Eqinisweni, ukusebenzisa u-25% womholo wakho wonke ku-policy eyodwa yomshwalense kuyingozi kakhulu esabelweni sakho semali. Ochwepheshe abaningi bathi kufanele usebenzise kuphela cishe u-5-10% wemali yakho kumshwalense. Ungathola ama-policy asemthethweni ashibhile kakhulu ezinkampanini ezinkulu ngo-R30 noma u-R50 ngenyanga, okuphephe kakhulu kumuntu othola isibonelelo.

Ngingaqinisekisa kanjani ukuthi inkampani ye-funeral policy isemthethweni eNingizimu Afrika ngo-2026?

Kumele uhlole ukuthi banayo yini inombolo ye-Financial Services Provider (FSP) ebhalisiwe. Iya kusizindalwazi esisemthethweni se-FSCA (www.fsca.co.za) bese usesha igama labo noma inombolo yabo. Umhlinzeki wangempela uyohlale ekunika le nombolo. Uma bengekho kuleyo database, basebenza ngokungekho emthethweni futhi kufanele ubaqhele kude.

Kwenzekani uma ngiphuthelwa inkokhelo ye-policy yami ngenxa yokuthi isibonelelo se-SASSA sifike sekwephuzile?

Ama-policy amaningi ashibhile akunikeza isikhathi esifushane kakhulu sokukhokha—imvamisa yizinsuku ezingu-15 kuye kwezingu-31. Uma uphuthelwa yileso sikhathi, i-policy iyaphela (lapses). Lokhu kusho ukuthi umshwalense ukhanseliwe kanti inkampani igcina wonke amasenti owake wabakhokhela wona. Lena ingozi enkulu ngoba izinkokhelo ze-SASSA ngezinye izikhathi zingase libaziseke.

Ingabe imiphakathi yemingcwabo (burial societies) iphephe kakhulu kunama-funeral policy asemthethweni kubahlomuli be-SASSA?

Imiphakathi yemingcwabo noma izitokofela zingaba ngcono ngoba ziqhutshwa abantu emphakathini wakini abaqondayo uma izikhathi zinzima. Kodwa-ke, azilawulwa uhulumeni, ngakho kumele wethembe abantu abaphethe. I-policy esemthethweni evela enkampanini ebhalisiwe ikunika ukuvikelwa kwezomthetho nge-Ombudsman, kodwa ayiguquguquki kalula. Kokubili kunezingozi zakho.

Iyini i-FSCA futhi ingangisiza kanjani?

I-FSCA yinhlangano kahulumeni eqapha izinsiza zezezimali eNingizimu Afrika. Umsebenzi wabo wokuqinisekisa ukuthi izinkampani ziphatha abantu ngendlela efanele. Uma ukhwabanisiwe noma uqanjelwe amanga ngumdayisi womshwalense, ungababika ku-FSCA. Banamandla okuphenya, ukukhipha izinhlawulo, nokuvala izinkampani ezephula umthetho.