Unison Risk Managemet Alliance

False Marketing Advertising

The funeral claim was paid, however several advertised benefits were unclear and poorly communicated. The policy promotes an “additional lump sum of up to R10,000” and an accidental death benefit, but these were not clearly explained upfront. The accidental death claim was later declined due to a 14-day rule, which was not communicated clearly at the start and only raised after extensive follow-ups and submission of SAPS and medical documents. The claims process involved delays, changing requirements, and unclear authorisation steps, which is frustrating during bereavement. I recommend potential clients request full written clarification on exclusions and how “up to” benefits are calculated before joining.