Let’s be honest — reading your funeral policy can feel like reading a whole new language. But don’t worry. We’re here to explain the tricky words in plain, simple English. No big words. No confusion.

Let’s break it down!

1. What is an “Accident”?

An accident is when something sudden and unexpected happens, and it hurts you from the outside.
Examples:

• A car crash

• A fall

• Something hitting you

It must be something you didn’t plan or expect.

2. What is “Accidental Death”?

This means someone dies because of an accident – not because they were sick or old.
Example:

• You fall off a ladder and pass away – that’s accidental death.

3. Who is the “Policyholder”?

That’s the main person who signed up for the funeral cover.
This person:

• Pays the policy

• Chooses who else is covered (like family)

If you signed the form, you’re the policyholder.

4. Who are “Dependants”?

These are the people you add to your funeral cover.
They can be:

• Your husband or wife

• Your kids

• Your parents

• Even other family members

5. What is a “Child”?

Your child can be:

• Your real (biological) child

• A child you adopted

• Your stepchild

• Your partner’s child

• Even a baby that was born too early and didn’t survive (stillborn)

If the child is unmarried and lives in South Africa, they’re covered.

6. Who is a “Spouse”?

A spouse is your husband or wife, or your life partner.
We count:

• Traditional marriages

• Religious marriages

• Civil unions (like same-sex partnerships)

• Life partners living together

If you’re together like a married couple, you’re covered.

7. What is a “Nominated Beneficiary”?

This is the person you choose to get the money from your funeral policy if you pass away.
You can pick:

• Your partner

• Your mom or dad

• Your child

• A close friend

Anyone you trust to handle things when you’re gone. They’ll get the money so they can pay for the funeral or help the family.

Why Does This Matter?

Because you don’t want surprises when someone passes away.
You want to know:

• Who’s covered

• What’s covered

• Who gets paid out

• How to claim

At Groups R Us, we keep it easy and fair – so you can take care of your people, no matter what.

📞 Need help? Call us.

We’re always here to explain things – even the small print.

Not all policy offers are what they seem. At Groups R Us, we believe that every South African deserves to make informed choices — without being misled or pressured. That’s why we’re here to help you spot the red flags in fake or suspicious policy offers.

🚩 1. Promises of Grant Increases

One of the biggest warning signs is when someone tells you your SASSA grant will increase if you take out a policy. This is not true. No legal policy can guarantee a higher grant payout. If you hear this, walk away and report it.

🚩 2. Food Parcels or Gifts in Exchange for Sign-Ups

If someone offers you food parcels, airtime, or any free gift just for signing up, be careful. These tactics are used to pressure vulnerable people into policies they don’t understand or need. A good policy should stand on its own — no bribes required.

🚩 3. No Clear Information or Written Documents

Always ask for everything in writing. If the person can’t provide clear documentation, policy terms, or a cooling-off period, that’s a serious red flag. You have the right to take time, read, and understand before signing anything.

🚩 4. Pressure to Sign Up Immediately

Honest agents will never pressure you. If someone says “This offer is only available right now” or makes you feel rushed, it’s often a sign they don’t want you to think too hard about it. Take your time. Ask questions. And don’t sign anything on the spot.

🚩 5. Confusing or Vague Explanations

If you’re left feeling confused, that’s not your fault — it’s theirs. A trustworthy provider will make sure you fully understand what you’re paying for, what’s covered, and what happens if you miss a payment. Clarity is key.

Stay Informed, Stay Safe

We take your trust seriously. We’ll never make false promises, use pressure tactics, or trade in confusion. If you’re unsure about a policy offer you’ve received, come speak to us. We’ll help you understand what’s real — and what’s not.

📞 Need help or advice? Contact us anytime through www.groupsrus.co.za. We’re here to protect what matters to you.

At Groups R Us, we know that making a claim can feel difficult. That’s why we have made the process as easy as possible. Follow these steps to get your claim sorted quickly.

How Do I Start a Claim?

Starting a claim is easy. You can ask us for a claim form or download it from our website. After you fill it in, send it back to us for processing.

To expedite your claim, kindly forward all claim documents listed below:

• Certified copy of the official death certificate issued by the Department of Home Affairs.
• Certified copy of the claimant/beneficiary’s ID or smart card (certified copies of both sides of the card are required).
• Certified copy of the deceased’s ID or smart card (certified copies of both sides of the card are required).
• If the main member is deceased and not a South African Citizen, a passport and working visa permit are required.
• Completed BI/DHA-1663 form (all 3 pages are required – when requested).
• Completed BI/DHA-1680 form (if the deceased died at home).
• Bank Confirmation letter, showing banking details, not older than 3 months.
• Medical report for a stillborn child.
• Copy of the police report or accidental report if death was due to unnatural causes.
• Official confirmation of registration as a full-time student from a registered tertiary institution or medical report confirming disability of a dependent child, if the deceased assured life is between the ages of 22 and 26 years of age.
• Additional documentation may be requested to assess the claim.

📞 Phone: 086 127 3342
📧 Email: claims@groupsrus.co.za

What Happens After I Send My Claim Form?

When we receive your form within the required time, we will register your claim and give you a claim number. This number helps you track your claim’s progress.

How Do You Check My Claim?

Once your claim is registered, our team will check:

✔ If your policy is active
✔ If your premium payments are up to date
✔ If the details in the claim are correct
✔ The value of your claim (based on your credit provider’s records)
✔ If your claim falls within your contract period
✔ Your banking details (if needed)

We do this to make sure everything is in order so your claim can be processed quickly.

What If You Need More Information?

If we need extra documents or details, we will contact you directly. We will tell you exactly what we need so there are no delays.

What Happens After My Claim Is Checked?

Once we finish checking your claim, we will send you an email with the result. We make sure to keep you informed at all times.

Are There Any Reasons My Claim Could Be Rejected?

Yes, there are some cases where a claim cannot be paid:

🚫 If a benefit has already been paid for death or permanent disability, the insurance ends.
🚫 If your monthly premiums were not paid on time, your claim may be affected.
🚫 Your claim must be within the contract period with the credit provider.
🚫 If your credit agreement has been fully paid off, your policy will end.

How Long Do I Have to Submit a Claim?

You must send us the claim details in writing within 180 days of the event that caused the claim. This helps us process your claim quickly.

What If I Send My Claim After 14:00 on a Weekday?

If you send your claim after 14:00 on a weekday, we will start processing it on the next business day. To avoid delays, try to send your claim earlier in the day.

How Can I Contact Groups R Us for Help?

If you have questions or need help, contact us:

📞 Phone: +27 (0) 86 127 3342
📧 Email: claims@groupsrus.co.za

We are here to help and make sure your claim is handled properly. At Groups R Us, we want to give you the best service when you need it most.

Easy South African Milk Tart Recipe (Melktert) – A Classic Favourite

If you’re looking for an easy South African milk tart recipe, you’re in the right place! This creamy, cinnamon-dusted dessert is a staple at family gatherings, tea parties, and Sunday lunches across Mzansi. With a rich, silky custard filling and a deliciously crisp base, this melktert recipe is simple enough for beginners and perfect for any occasion.

And what better time to enjoy it than on 27 February—International Milk Tart Day? It’s the perfect excuse to celebrate this much-loved South African classic! Whether you’re making one from scratch or enjoying a slice with your afternoon tea, melktert is a dessert worth celebrating.

Why South Africans Love Melktert

Milk tart is a traditional South African dessert with Cape Dutch origins. Unlike a custard tart, melktert has a lighter, milkier texture, making it incredibly moreish! Best of all, this quick and easy milk tart can be made with everyday ingredients.

Ingredients for Easy Milk Tart

For the Crust:

• 1 cup flour
• ½ cup butter, softened
• 2 tbsp sugar
• 1 egg yolk
• A pinch of salt

For the Filling:

• 2 ½ cups full-cream milk
• ¾ cup sugar
• 2 tbsp cornflour (Maizena)
• 2 tbsp flour
• 2 eggs
• 1 tsp vanilla essence
• 1 tbsp butter
• Ground cinnamon (for topping)

How to Make Milk Tart (Step-by-Step Guide)

Step 1: Make the Crust

1. Preheat your oven to 180°C.
2. In a bowl, mix the flour, sugar, and salt. Add the butter and rub it into the flour until crumbly.
3. Add the egg yolk and mix until a dough forms.
4. Press the dough into a greased tart tin (22 cm) and bake for 15 minutes, or until lightly golden. Let it cool.

Step 2: Prepare the Milk Tart Filling

1. Heat 2 cups of milk in a saucepan over medium heat until warm (but not boiling).
2. In a separate bowl, mix the sugar, cornflour, flour, and eggs with the remaining ½ cup of milk. Whisk until smooth.
3. Slowly pour this mixture into the warm milk, stirring constantly.
4. Continue stirring over low heat until the custard thickens. Remove from heat and add butter and vanilla essence.

Step 3: Assemble & Serve

1. Pour the custard into the cooled tart crust and smooth the top.
2. Sprinkle generously with ground cinnamon.
3. Allow to cool, then refrigerate for at least 2 hours before serving.

Tips for the Best South African Milk Tart

• Use full-cream milk for the creamiest filling.
• For a crustless milk tart, simply pour the custard into a dish and chill before serving.
• Make ahead: Melktert tastes even better the next day!

Find out more on how authentic Groups R Us is—Just like this Melktert recipe

At Groups R Us, we believe in authenticity—just like a true South African melktert. Whether it’s community, quality, or tradition, we stand for real, local experiences. Support local. Stay real.