Typically, a funeral policy will cover an insured person up to R50 000. However, some providers like Discovery will allow cover up to R60 000. Each person you cover can have their own amount. For example, you can cover your spouse for R50 000 and your Parents for R10 000. At the end of the quote, all the premiums are combined into a single monthly premium.
The older the person is, the more you will have to pay. For example, the later you wait to cover your parents, the more it will cost for every R1000 cover.