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The answers to the questions below are only a summary. Please refer to your Legal Membership Agreement/ Funeral Policy document for exact details.
Legal policies start at R56 per month and Funeral Plans start at R39 per month. Interested in joining? Let us give you a call so we can answer any questions you may still have.
The Membership Agreement/ policy document is important because it contains the nuts and bolts of your policy/ plan. It spells out your policy's terms, conditions and limitations, and is a reference point for both you and your insurer about cover, exclusions, rules, and claim procedures.
The policy schedule contains all the important details about your contract which are set out in detail in the Membership Agreement/ policy document. It is essential that the details in the schedule are correct. Understanding the contract and its conditions will ensure that you are covered as you intended, and that you or your beneficiaries are paid out without delay in the event of a claim.
Your legal policy provides paralegal services and legal expenses insurance cover for the main member, a spouse and children under 21, subject to the terms, conditions and limitations set out in the Membership Agreement.
Yes, for a small additional premium per person and subject to the terms, conditions and limitations set out in the Membership Agreement, we do allow parents/parents-in-law to be added to the legal policy in terms of Extended Family Protection. Any other family members will have to apply to join on their own legal policy, they cannot join yours.
Scorpion Legal Protection will give you peace of mind by partnering with you to navigate the legal pitfalls that you may encounter daily. It is sensible to tackle your day-to-day challenges with legal backup. In addition, legal expenses can be financially crippling, which means that legal expenses insurance covers you and your family against high and unexpected legal costs from legal action brought by or against you.
Legal expenses insurance works in a similar way to medical aid. Just like medical aid helps you cover high and unexpected medical costs and doctors’ bills, legal expenses insurance covers you and your family against high and unexpected legal costs from legal action brought by or against you.
It means that your legal matter happened before you were covered by a Scorpion policy. Because legal insurance is similar to car or house insurance, you can’t claim for things that happened before you joined.
If your matter predates cover, you will not be able to claim the Legal Expenses Insurance Cover benefit, which means we will not cover you in court for your matter. However, Scorpion can still advise you and help you through paralegal services. Your policy must be paid up in order for you to receive paralegal services, and the terms, conditions and limitations set out in the Membership Agreement apply.
Paralegal services are dispute prevention services that we provide through our in-house, legally trained counsellors.
You can get Scorpion’s paralegal services by making an appointment to consult with a legal counsellor at any one of our nationwide Scorpion branches or by calling our 24/7 legal call centre on 0861 333 333. You can also contact us via any one of our digital channels – Facebook, website or WhatsApp. Our customer care consultants will direct your query to our legal department, and one of our legal counsellors will call you back.
No, we provide paralegal services to you at our discretion. We have no obligation to do so, and we may set limits on these services at any time.
If we cannot resolve your matter through paralegal services, we will refer your matter to one of our in-house paralegal specialist departments or to a network lawyer in terms of the Legal Expenses Insurance Cover benefit. The referral is, however, dependent on your cover, terms, conditions, and limitations as set out in the Membership Agreement.
If you need help with an excluded matter, our legal counsellors will try to help you as best they can through paralegal services, as long as you are a paid-up member (you are not behind in paying your premiums). Our legal counsellors can give you advice, write legal letters or negotiate with third parties on your behalf.
Remember, though, that as per the terms and conditions of the Membership Agreement, Scorpion has discretion in whether or not to offer paralegal services, and there are a few excluded matters where no paralegal services can be offered. You would also not be able to claim the Legal Expenses Insurance Cover benefit, which means we cannot represent you in court.
To ensure that you get the best legal help, we structure some of our paralegal counsellor teams into specialist departments. Each department specialises in a different legal field, for example, labour, motor vehicle, tax, etc. Specialisation allows us to train dedicated staff in specialised legal fields, resulting in quicker resolution of matters and higher success rates.
If Scorpion’s in-house legal counsellors are unable to resolve your matter through paralegal services, and you or your family need legal representation in court proceedings, Scorpion will offer you the choice of a network lawyer to help defend or enforce your legal rights. Scorpion’s payment of the lawyer’s legal fees/expenses is the Legal Expenses Insurance Cover benefit.
Please note, however, that there are terms, conditions and limitations applicable to the Legal Expenses Insurance Cover benefit, which are set out in the Membership Agreement.
Yes, there are limitations on how much we pay for lawyers. These cover limitations are covered inter alia, from Sections 7 to 10 in the Membership Agreement.
This is a panel of admitted attorneys that we have contracted with to assist our members with legal representation in court, tribunal or arbitration proceedings. The attorneys on the Scorpion network work according to the Scorpion Schedule of Tariffs.
Yes, you can choose your own lawyer, but the lawyer will only be paid according to the Scorpion Schedule of Tariffs. If the lawyer charges more than the Scorpion Schedule of Tariffs, you will have to pay for the difference. Scorpion network lawyers have agreements in place with Scorpion, which means we can guarantee the quality of their work. If you choose your own lawyer, we will not be able to guarantee the quality of the lawyer’s work, as we don’t have a service agreement or relationship with them.
The Scorpion Schedule of Tariffs is the agreed upon amounts that we have contracted with network lawyers for their services, and are paid to the network lawyer as part of your cover.
No, we only pay legal expenses for a case initiated and finalised in a court/ tribunal in South Africa regarding relevant events that happened in South Africa. This includes the execution steps and any recovery associated with the case.
The waiting period is stated in your schedule of insurance and starts from the day we receive your first premium.
You can only claim for paralegal services during the waiting period.
Remember, though, that you need to be paid up (you are not behind in paying your premiums), and as per the terms and conditions of the Membership Agreement. Scorpion also has the discretion to decide whether or not to offer paralegal services.
Yes. It is important to us that you are satisfied with the legal policy you have signed up for, so we provide you with 31 days from the date we receive your first premium to read and familiarise yourself with the terms and conditions of membership. We will refund you if, during this 31-day period, you are not entirely satisfied with the cover provided and you have not instituted a claim with us.
No, you will not be refunded if you have received paralegal services and/or legal expenses insurance cover during the cooling-off period. The cooling-off period is intended for you to have some time to review the terms and conditions of membership and for you to make sure whether membership is for you.
No, you will not be refunded if you have cancelled your membership after your cooling-off/waiting period.
Our aim is to make this an effective, but affordable product. For this reason, the main legal issues that you face are covered, but to keep the product affordable, we do need to have conditions, exclusions and limitations, which are set out in the Membership Agreement.
Yes, there are maximum limits on how much we pay. These limits are set out in Sections 7 to 10 of the Membership Agreement.
The step-by-step procedure and requirements to claim is explained in Section 11 of the Membership Agreement.
If the main member is retrenched or becomes totally and temporarily disabled to work after a period of continuous paid membership (which is stated in your Schedule of Insurance), Scorpion will then step in and pay your premiums for 12 months from the date you got retrenched or became temporarily or permanently disabled.
This is, therefore, a 12-month premium waiver, so you will still receive legal cover for 12 months without having to worry about making your premium payments.
No, this benefit cannot be bought as a stand-alone policy.
The Legal Expenses Accidental Death (LEAD) benefit applies to the accidental death of the main member only.
Yes, as long as the membership was paid up, you can claim for the Legal Expenses Accidental Death (LEAD) benefit during the waiting period.
No, legal expenses insurance cover does not apply to the Personal Income Tax benefit. Our in-house tax practitioners offer tax advice and tax assistance on Legal Policy A and Platinum A, and tax advice only on Legal Policy B & C.
Tax advice is when our Scorpion tax practitioners give you their opinion on what you should do. Tax Assistance is when our Scorpion tax practitioners give you their opinion on what you should do and also help you to resolve your tax matter. For example, making telephone calls on your behalf.
A beneficiary is the person(s) you’ve nominated to receive benefits when you die.
A dependant is a person who is financially dependent on the main member, such as children, your spouse, or parents/parents-in-law.
The nominated beneficiary is the person who will receive the benefits if the main member dies. The nominated beneficiaries are stated in the Schedule of Insurance, and the payment of the benefits is subject to the terms, conditions and limitations set out in the Funeral Plan policy document.
Yes, there are waiting periods for death from natural causes. The benefits are subject to a waiting period of:
Yes, there is a waiting period for death by suicide. The waiting periods are detailed in the Scorpion Funeral Plan Policy Document, as well as the Schedule of Insurance.
A waiting period of 12 consecutive (one after the other) months and 12 consecutive premium payments will apply on the death of an insured person by suicide, where death is caused directly or indirectly by, or arising from, or resulting from, or contributed to by, or traceable to, any attempted suicide.
No, there is no waiting period for death as a result of an accident. Cover for accidental death commences from the start date of the funeral plan.
The step-by-step procedure and requirements to claim is explained in the Scorpion Funeral Plan policy document.
The Funeral benefit provides cover in the event of a nominated insured person’s death due to natural causes, accidental death, or suicide during the period of insurance. The payment of the benefits is subject to the terms, conditions and limitations set out in the Funeral Plan policy document.
In addition to the cover provided for accidental death by the Funeral benefit, extra cover is given to the Main Insured person and/or partner in the event of their accidental death.
The Member Fulfilment Pack is also known as a Welcome Pack or Membership Pack. This is what new members receive when they join Scorpion.
The Fulfilment Pack includes your:
It’s important to understand all the documents in your Member Fulfilment/ Welcome Pack, as they tell you what you are and aren’t covered for.
If you have any questions or don’t understand something, please feel free to call us on 0861 333 333.
If 6 weeks have passed and you have not received your membership card in the post, you can:
Just so you are aware, your membership is still valid even if you haven’t received your physical card yet. You can still access member benefits and pay your premiums – your membership does not start when you receive your card.
There are many reasons for premiums not being deducted off your bank account, such as insufficient funds or the account being closed at the time the deduction was made. One of the biggest reasons for this happening is that your bank account details have changed, but you did not let us know in time about the change.
It is important that we have your correct and latest banking details on record. If you want to change or update your details, you can:
If you want to change your policy or plan or update your personal details, you can:
On our Facebook page you can:
Yes, Scorpion does use WhatsApp as a service and information sharing channel. Simply save our number 011 842 7890 to your contacts then send "Hi" and you will receive a list of menu options to choose from.
During 2020 we moved to a digital format newsletter, where we send out the newsletter to members via either WhatsApp, SMS or email. We are no longer sending out printed newsletters. Therefore, it is very important that we have your correct and latest contact details on record. To update your details:
It may be that we do not have your correct and up-to-date mobile or email details on record, or you have previously opted out to receive these types of communications from Scorpion.
It is important that we have your correct and latest contact details on record so we can contact you when we need to. To update your details:
Are you ready to get the legal policy/funeral plan you need? Click here to have a consultant contact you.
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