Centriq Insurance
Verified Business
Centriq Insurance
Verified Business
70 Reviews (last 12 months)
Responds in 38 hours 53 min
AI Review Summary
Based on recent customer reviews, Centriq Insurance faces severe criticism across nearly every aspect of its customer experience. Customers consistently report claims being rejected without clear justification, months-long delays in processing, and a near-total communication breakdown. Unauthorized debits from salaries and bank accounts represent a deeply troubling pattern, while gap cover clients describe a service that rarely pays out despite consistent premium collection.
Top Strengths:
- •Claims Handling & Resolution: A small number of customers report swift funeral claim payouts within 24 hours of submission, with one customer praising the transportation claim process as smooth.
Service Quality Ratings
MetricScoreIndustry AvgBest in Class
Performance(last 12 months):
0Trustindex Rating
#32Ranked In Short Term Insurance
38 hours 53 minutesAverage Time To Reply
-86 NPSRecommended: Unlikely
Replied to 90% of negative reviews
Typically takes less than 39 hours 11 min to reply
TrustIndex
0
Score
Ranking
#32
in Short Term Insurance
Avg Reply
38 hours 53 minutes
NPS Score
-86
Recommended: Unlikely
Replied to 90% of negative reviews
Typically takes less than 39 hours 11 min to reply
Review Distribution
1.1|70 Reviews
May '25 - Apr '26
5(1.6%)
4(0%)
3(1.6%)
2(0%)
1(96.8%)
5(1.6%)
4(0%)
3(1.6%)
2(0%)
1(96.8%)
Recent reviews (70)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperienceBN
Bonokuhle N
1 reviews | Active since Jan 2020
17 Mar 2026, 13:50
Underwriter accountability: Administrator denying “unlimited” GP access for a child with no reasons
I am escalating my concerns to the underwriter (Centriq Insurance Company Limited) because the administrator, Kaelo, is administering this policy in a way that is unfair and lacks transparency. My young child had flu symptoms during seasonal change. When we called for authorisation for an in‑person GP visit, Kaelo denied the benefit. No clinical reason was provided — the only response given was: “Authorisations are subject to Managed Care Protocols.” That is not a proper explanation, and it contradicts how the benefit is marketed as “unlimited”. Instead, we were told a clinical nurse would contact us. The nurse only called almost 4 hours later, which is unacceptable when dealing with a sick child. We did not ask for a nurse call — we needed a GP to examine the symptoms and prescribe correct medication. This was not “excessive claiming”. The previous claim was unrelated to this flu incident. When we called to cancel because this cover clearly does not meet a child’s healthcare needs, we were told the policy will only terminate at the end of April. Why must we remain on cover that fails when we need it? We have also had a recent scan rejected without proper justification. Request: I want the underwriter to review Kaelo’s handling of benefits and provide (1) written clinical reasons for the GP denial with the specific protocol re**** on, (2) clear turnaround standards for nurse callbacks, (3) proper justification for rejected claims, and (4) written confirmation of cancellation date and last debit date.
Helpful (0)
|Replies (0)BN
Bonokuhle N
1 reviews | Active since Jan 2020
17 Mar 2026, 13:50
Underwriter accountability: Administrator denying “unlimited” GP access for a child with no reasons
I am escalating my concerns to the underwriter (Centriq Insurance Company Limited) because the administrator, Kaelo, is administering this policy in a way that is unfair and lacks transparency. My young child had flu symptoms during seasonal change. When we called for authorisation for an in‑person GP visit, Kaelo denied the benefit. No clinical reason was provided — the only response given was: “Authorisations are subject to Managed Care Protocols.” That is not a proper explanation, and it contradicts how the benefit is marketed as “unlimited”. Instead, we were told a clinical nurse would contact us. The nurse only called almost 4 hours later, which is unacceptable when dealing with a sick child. We did not ask for a nurse call — we needed a GP to examine the symptoms and prescribe correct medication. This was not “excessive claiming”. The previous claim was unrelated to this flu incident. When we called to cancel because this cover clearly does not meet a child’s healthcare needs, we were told the policy will only terminate at the end of April. Why must we remain on cover that fails when we need it? We have also had a recent scan rejected without proper justification. Request: I want the underwriter to review Kaelo’s handling of benefits and provide (1) written clinical reasons for the GP denial with the specific protocol re**** on, (2) clear turnaround standards for nurse callbacks, (3) proper justification for rejected claims, and (4) written confirmation of cancellation date and last debit date.
0
Replies (0)PK
Preccy K
1 reviews | Active since Jan 2020
9 Mar 2026, 10:21
I joined Capitec cla...
I joined Capitec claim 2023,after they took over from old mutual cause old mutual was very expensive.... Next thing my aunt passes on the 23rd of february,we took time to get a death certificate,we received it on the 05th of March my cousin claimed and received her lumpsum money,i went to claim on the 6th,on the 7th i receive and email that my claim was declined which is her death certificate when it came it was back with another surname which is none of us know that she was Married we used her ****en surname to all our policies, Now i get lame excuses i need a clarity on that cause its an extended family not a mother or sibling,it was clear from day one when i took a policy that she's my aunt and an extended family
Helpful (0)
|Replies (0)PK
Preccy K
1 reviews | Active since Jan 2020
9 Mar 2026, 10:21
I joined Capitec cla...
I joined Capitec claim 2023,after they took over from old mutual cause old mutual was very expensive.... Next thing my aunt passes on the 23rd of february,we took time to get a death certificate,we received it on the 05th of March my cousin claimed and received her lumpsum money,i went to claim on the 6th,on the 7th i receive and email that my claim was declined which is her death certificate when it came it was back with another surname which is none of us know that she was Married we used her ****en surname to all our policies, Now i get lame excuses i need a clarity on that cause its an extended family not a mother or sibling,it was clear from day one when i took a policy that she's my aunt and an extended family
0
Replies (0)T
Thembisa
1 reviews | Active since Jan 2020
22 Feb 2026, 21:16
****ed off
This company is literally debiting money from persal .They ve literally made a stop order of plus minus 300 rands and this is done without my consent .I want my money I have nothing to do with centric life unlimited...
Helpful (0)
|Replies (0)T
Thembisa
1 reviews | Active since Jan 2020
22 Feb 2026, 21:16
****ed off
This company is literally debiting money from persal .They ve literally made a stop order of plus minus 300 rands and this is done without my consent .I want my money I have nothing to do with centric life unlimited...
0
Replies (0)RK
Rachel K
1 reviews | Active since Jan 2020
13 Feb 2026, 17:29
Unconcentate deduction
I don't know this company and never joined their insurance. To my surprise they are appearing on my salary advice for the month of January. They debited R129.00 from my salary. From the reviews everyone is complaining about the same problem I have. They need to be stopped. Rachel
Helpful (0)
|Replies (0)RK
Rachel K
1 reviews | Active since Jan 2020
13 Feb 2026, 17:29
Unconcentate deduction
I don't know this company and never joined their insurance. To my surprise they are appearing on my salary advice for the month of January. They debited R129.00 from my salary. From the reviews everyone is complaining about the same problem I have. They need to be stopped. Rachel
0
Replies (0)SM
Sive M
1 reviews | Active since Jan 2020
10 Feb 2026, 22:17
Policy opened without consent or authorisation
I did not even open a policy with them - boom! This month on my persal I have a policy! Who are these people!? How did they even open a policy without my consent??? I’m definitely taking them down, because this is *****!
Helpful (0)
|Replies (0)SM
Sive M
1 reviews | Active since Jan 2020
10 Feb 2026, 22:17
Policy opened without consent or authorisation
I did not even open a policy with them - boom! This month on my persal I have a policy! Who are these people!? How did they even open a policy without my consent??? I’m definitely taking them down, because this is *****!
0
Replies (0)sN
sthembiso N
1 reviews | Active since Jan 2020
9 Feb 2026, 19:04
Cancellation of policy
Hi I’ve been trying to cancel a policy that I didn’t even authorize from the beginning,since 2024 trying to cancel they refuse to cancel and it’s more than 1 policy being deducted! Direct from my my persal. Thanks in advance
Helpful (0)
|Replies (0)sN
sthembiso N
1 reviews | Active since Jan 2020
9 Feb 2026, 19:04
Cancellation of policy
Hi I’ve been trying to cancel a policy that I didn’t even authorize from the beginning,since 2024 trying to cancel they refuse to cancel and it’s more than 1 policy being deducted! Direct from my my persal. Thanks in advance
0
Replies (0)ZM
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Nontokozo M
1 reviews | Active since Jan 2020
10 Jan 2026, 21:20
Rejection of payout
I would like you guyz help me with the solution how now do i pay my policy that ive not claimed fir as noe there's no option that allows me to pay for the rest if the policy that i have with them ive 3 people covered including myself hoe do i go about paying for the rest of the policies if anything happens to people ive covered as im not in a good state in help will my 15year old son and my family have to go through this **** that im now going through it's that hard times that ive never thought i would go through with capitec in need answers as soon as possible or should going snf get another funeral policy somewhere else i would appreciate your help
Helpful (0)
|Replies (0)NM
Nontokozo M
1 reviews | Active since Jan 2020
10 Jan 2026, 21:20
Rejection of payout
I would like you guyz help me with the solution how now do i pay my policy that ive not claimed fir as noe there's no option that allows me to pay for the rest if the policy that i have with them ive 3 people covered including myself hoe do i go about paying for the rest of the policies if anything happens to people ive covered as im not in a good state in help will my 15year old son and my family have to go through this **** that im now going through it's that hard times that ive never thought i would go through with capitec in need answers as soon as possible or should going snf get another funeral policy somewhere else i would appreciate your help
0
Replies (0)