Membership

A Stokvel has no legal personality separate from its Members, hence, Stokvel disputes are not covered as we will not cover a claim to sue yourself.

Child Maintenance benefits are only available on our Platinum Membership option for the Main Member. We will pay the appointed Lawyer's fees for consultations to draft the relevant court documents, and for appearances in the Maintenance Court as per the LegalWise Schedule of Tariffs. We will pay for only 1 (one) maintenance matter over a continuous 1 (one) year period of paid-up Platinum Membership.

Children between the ages of 18 and 21, who are financially dependent on the Member and are full time students, are covered by the Membership. If the child who is mentally ill is not a full time student and is above 18, such a child will not be covered by the policy. In such instances, we recommend either a stand-alone Membership for the child or adding the child as an insured individual on the Extended Family Protection Benefit on the main Member's Membership.

LegalWise provides Paralegal services on debt matters in our Service Centres, over the phone, via video consultation, e-mail or WhatsApp. This assistance includes liasing with third parties or creditors to obtain the amount outstanding or details of how the amounts outstanding have been calculated, drafting letters or emails indicating the grounds on which the debt is disputed, alternatively negotiating payment arrangements with creditors where a debt is not in dispute. We also assist in obtaining consents to judgment where a debt is fully paid up provided the creditor consents. We offer advice relating to debt counselling and over-indebtedness.

Proof establishing a Spouse is confirmed by submitting a certified copy of a marriage certificate, whilst an affidavit signed by both parties will be required in the case of a Life Partner. In addition to an affidavit, we may require independent proof of the life partnership, such as proof of joint bank accounts, joint debts and expenses. In both instances, the main Member and the Spouse or Life Partner must have been married or living together for the minimum duration specified in the Schedule of Insurance, which is 2 years. Note that the 2-year criterion must be met when both the Relevant Event occurred and when the Benefit is claimed.

The winding up of a deceased estate is an administrative function, and depending on the value and size of an estate, it may be complex and very expensive. As we choose to keep our premiums low, we specifically exclude this area of the law. However, we recognise that as a beneficiary to an estate you may have a personal right that requires protecting. As a result of this, we restrict the matters covered to the dispute between you and other heirs of a deceased estate.

Only matters that happen in the RSA will be covered.

The inception date is the date when we receive the first premium from the Member. It is also the start of the 3-month Waiting Period.

Every property, irrespective of where it is situated and whether it is rural or urban, is covered. However, the property in question should be the Member's permanent Place of Residence.

The LegalWise Membership Agreement is a short term insurance product and, as such, is a monthly agreement between the two parties for which a monthly premium is payable. In terms of the Schedule of Insurance, LegalWise will be lenient in terms of arrears, and can collect up to 2 unpaid premiums before the Membership will lapse, giving you latitude for 2 months.

To determine the qualifying criteria to be a Life Partner, the Membership Agreement refers to the Schedule of Insurance, which requires that you must have been living with the main Member if you were married by civil rights, customary law, or living together as life partners. This period is specified to be 2 years to ensure that multiple partners do not enjoy the benefit while not in a lasting relationship with the main Member.

An insured individual on the Extended Family Protection Benefit may utilise the same Network Lawyer as the main Member.