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FREQUENTLY ASKED QUESTIONS
This FAQ seeks to address some Frequently Asked Questions.
If your question is not answered on this page, feel free to call one of us on the Contacts page.

Legal Assist FAQ Funeral Assist FAQ
For Standard Funeral Policies only
SASSA Applicants, please consult the second page of the sign–up forms on the Contacts page
  • Why Legal Assist?
    Most South African have all sorts of insurance – life cover, household and car insurance, medical aid, etc. – all of which are very expensive and cost hundred, even thousands of Rands per month.
    But what do you do when you have a problem / dispute with one of your insurance companies? You get legal advice, right? Assuming you can afford the exorbitant costs of a lawyer, would you know what type of lawyer you’d need to evaluate your case? In other words, do you know which attorney is the best suited to deal with your particular matter?
    How about a dispute at work, with a colleague or employer? Don’t you wish you could get a lawyer on your side to advise you of the best course of action

  • What is Legal Assist?
    By subscribing to Legal Assist, you will be provided with legal advice and assistance when you need it most.

  • Where is Legal Assist available?
    Legal Assist is only available in South Africa. That means that any incident that occurs outside of South Africa is NOT covered.

  • I’m a foreigner, can I subscribe to Legal Assist?
    Most certainly! The following conditions will apply:
    • You must have a valid passport (not expired).
    • You must have a valid work permit.
    • You must have a valid South African bank account for the debit order.

  • How do I make payments for Legal Assist?
    Payments are made by debit order. All subscribers to Legal Assist must have a valid South African bank account with sufficient funds to cover the premium.

  • What happens if I miss a payment? (bounced debit order)
    A second attempt to debit your account will occur and if that fails, then your policy will be considered lapsed.

  • What happens if my policy lapses due to non–payment?
    If your policy lapses owing to non–payment, then, if you still want to have the Legal Assist cover, you would have to re–apply as though a new subscriber.

  • Will Legal Assist help me in my language?
    Legal Assist is available in most of the official languages of South Africa.

  • Why do I need to pay the once off R120 initiation fee?
    The R120 initiation fee is paid to the underwriters of Legal Assist and is used for printing costs, paperwork and postage.

  • What is the monthly premium for Legal Assist?
    The Legal Assist premium is R68 per month. There is also a 10% annual increase and you will be notified a month or two in advance.

  • Once I’ve paid my first premium plus the initiation fee, are there any other costs that I need to know about?
    No. Your first debit order will be the R120 initiation plus your premium of R68 (R188). Thereafter, your debit order will be for R68. As in the point above, there is an annual increase of 10%.

  • When does the cover and the benefits start?
    The benefits start after one month of being a paid–up member and applies only to incidents which happen after the one month waiting period.
    Only at the company’s discretion will they provide you with advice with respect to matters which arose prior to the waiting period expiring.

  • How do I make use of Legal Assist?
    A 24–hour number will be provided to the subscriber in order to speak to an attorney within minutes and get the advice you require.
    You sign an agreement with an insurer, not the agent, so there is no need to contact the sales–person who sold you the policy.

  • What are the exclusions, if any?
    There are certainly exclusions – for a comprehensive list, consult your policy document. But, for your perusal, here are a few that need to be mentioned:
    • The insured’s business, trade or occupation.
    • Professional sport, copyrights, patent rights or similar rights.
    • A legal action involving MultiSure.
    • A traffic offence for which an admission of guilt fine has been determined.
    • Where it is clear that the policy holder has no defence against a civil claim.
    • Where the policy holder is involved in nuclear weapons material, civil commotion, war, mutiny, insurrection, revolution.
    • If the policy holder insists on and defending / handling a matter in a way which differs from the advice of the attorney that represents the insured, or when the insured does not give timely, proper and complete information to his / her attorney appointed by MultiSure.
    • The recovery of payment of any excess in respect of motor vehicle insurance.
    • The use of power driven vehicle, water craft or aircraft in racing.
    • Debt collection matters.
    • Where the policy holder wants to enforce his / her rights as a landlord.
    • Divorces prior to a two year waiting period lapsing.
    • Maintenance matters prior to a two year waiting period lapsing.
    • Any known losses, claims for incidents or events prior which were known or occurred prior to the inception date of this cover.
    • Any legal matter which is not in the personal and private capacity of the insured or is in any way business–related.
    • Legal action instituted against the policy holder or where the policy holder must institute action in a court outside South Africa.
    • Where the policy holder’s action / defence forms part of a class action.
    • Where the policy holder’s actions or that of his dependants are vexacious or malicious
    • Acts performed by the insured as a representative of a legal entity.
    • A dispute which falls within the jurisdiction of the Small Claims Court.
    • Blacklist removal prior to a two year waiting period lapsing.
    • Where the action is based on defamation, insult, verbal abuse, or any other infringement of the Insured’s personality, reputation or dignity.
    • Property transfer costs.
    • Legal expenses where such legal expenses are those of a third party incurred by the policy holder as a result of a court order awarded in favour of the third party against the policy holder.
    • Any event that occurs outside of the Republic of South Africa, or involves any judicial system outside of the South African system.

  • Why Funeral Assist?
    Millions of South Africans are without any kind of Funeral Policy which means that, given the current state of affairs, you or your family will very likely go door–to–door begging for money in the event that a loved one dies. How embarrassing! Funeral Assist lessens the financial impact.

  • What is Funeral Assist?
    By subscribing to Funeral Assist, you, or your family, will be provided with a once off pay–out of the agreed–upon amount based on your premiums. In addition to this pay–out, if you have subscribed to one or more of the Optional Extras, you will receive those items based on the agreed–upon value.

  • Where is Funeral Assist available?
    Funeral Assist is only available in South Africa. That means that any incident that occurs outside of South Africa is NOT covered.

  • I’m a foreigner, can I subscribe to Funeral Assist?
    Most certainly! The following conditions will apply:
    • You must have a valid passport (not expired).
    • You must have a valid work permit.
    • You must have a valid South African bank account for the debit order.

  • How do I make payments for Funeral Assist?
    Payments are made by debit order. All subscribers to Funeral Assist must have a valid South African bank account with sufficient funds to cover the premium.

  • What happens if I miss a payment? (bounced debit order)
    A second attempt to debit your account will occur and if that fails, then your policy will be considered lapsed.

  • What happens if my policy lapses due to non–payment?
    If your policy lapses owing to non–payment, then, if you still want to have the Funeral Assist cover, you would have to re–apply as though a new subscriber.

  • Will Funeral Assist be available to me in my language?
    Funeral Assist is available in most of the official languages of South Africa.

  • Why do I need to pay the once off R120 initiation fee?
    The R120 initiation fee is paid to the underwriters of Funeral Assist and is used for printing costs, paperwork and postage.

  • What is the monthly premium for Funeral Assist?
    Please consult the Funeral Assist page on this website to determine what your monthly premium will be based on the options you have chosen. There is also a 10% annual increase of premium and cover, but you will be notified a month or two in advance.

  • Once I’ve paid my first premium plus the initiation fee, are there any other costs that I need to know about?
    No. Your first debit order will be the R120 initiation plus your premium as determined by your Funeral Assist options. Thereafter, your debit order will be only for the premium as laid out here Funeral Assist. As in the point above, there is an annual increase of 10%, but you will be notified a month or two in advance.

  • When does the Funeral Assist cover start?
    Please consult one of the Standard Funeral Policy documents found on the Contacts page.

  • How do I make use of Funeral Assist?
    A 24–hour number will be provided to the subscriber in order to speak to a consultant who will assist you with processing the request.

  • How long do I have to wait before I get my pay–out?
    Once all relevant documents have been received by the insurer, you will be paid out within 24 hours.

  • Other information
    • The following benefits apply in the event of a death resulting from HIV/AIDS or HIV/AIDS related issue:
      • 0–6 months: No benefit
      • 7–12 months: 25% of cover amount
      • 13–18 months: 50% of cover amount
      • 19–24 months: 75% of cover amount
      • 25+ months: 100% of cover amount
    • In order for a claim to be valid, it must be submitted within 6 months of the death of the insured. If a claim is submitted after the 6 month period, then the claim will be rejected.
    • Claims for common–law spouses not declared on the application form will not be considered for payment in the event of death. The partner must be listed from the inception of the policy. This is also applicable to customary marriages.
    • Where a member has more than one spouse, all additional spouses will only enjoy cover if they are declared as extended family.
  • For more information, please consult the second page of the sign–up forms available on the Contacts page.
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