WHY DO I NEED LEGAL INSURANCE?
LegalWise offers you legal expenses insurance. We protect you and your family’s legal rights with para-legal services, legal counselling and representation. We will pay a lawyer’s legal fees per matter, up to the limit as stipulated by your membership plan.
HOW DOES LEGALWISE WORK?
Members have access to our in-house Legal Counsellors who offer face-to-face counselling.
Our Legal Counsellors are experienced and trained. They will advise you, write letters on your behalf and attempt to resolve and settle legal issues without going to court.
Our Legal Counsellors will refer you to an attorney when you have a legal problem that requires a court hearing or representation to Alternative Dispute Resolution Forums *
Note – LegalWise by law, may not handle certain legal cases in-house and Members will be referred to our network of lawyers and LegalWise will pay the legal fees per case *
(* Members do have the option of selecting their own lawyer and need to pay their legal fees and then claim a refund from Us. LegalWise will only refund according to the Simplified Legal Tariffs.)
PRODUCT OVERVIEW
LegalWise provides para-legal services, legal counselling and representation for you and your family, including your spouse or partner and children.
LegalWise will pay a lawyer up to P 114 000 of legal fees per matter, when you need one *
LegalWise also has the additional Extended Family Plan and the Professional Legal Plan that can be added for an additional premium per month to your basic Gold Membership.
LEGALWISE BENEFITS
GOLD
GOLD PLUS
LEGALWISE BENEFITS
GOLD
GOLD PLUS
COVER FOR CIVIL, CRIMINAL AND EMPLOYMENT MATTERS, INCLUDING:
Property damage
Consumer matters & debt
Home & accommodation matters
Motor vehicle matters
Education matters
Banking, insurance, pensions & investment matters
Status, reputation & identity matters
Protection orders
Criminal charges agaist you based on a act or omission by you
Counselling and assistance on court procedures.
Negotiations and correspondence with third parties on your behalf.
Assistance and counselling regarding basic legal documents, such as legal contracts.
Debt relief matters such as settlement negotiations, consolidations, payment extensions, blacklisting assistance or even bankruptcy.
Three-month money back guarantee.
Face-to-face legal counselling and assistance from our Legal Counsellors at our Branches.
24-hour legal assistance via our telphonic LegalLine (We offer telephonic legal counselling and assistance).
Access to legal advice and administrative assistance can relate to any aspect of law including our exclusions.
Online email-based legal assistance during office hours.
Access to our network of lawyers, who will represent you. *
Cover per case for your legal fees should you need representation in court or Alternative Dispute Resolution Forums. *
Access to LegalWise Branches and payment of legal fees for matters that are covered, whilst visiting or staying temporarily in the Republic of South Africa. *
*Services provided by lawyers selected and paid for by LegalWise. Subject to waiting periods.
The extended benefits relate to matters that are not actually covered or paid for under the LegalWise policy.
Debt Services
Uncontested and contested Rescission of Administration Orders (3 month waiting period)
Family Matters
Uncontested Divorces (12 month waiting period)
Contested Divorces (12 month waiting period)
Maintenance for children (3 month waiting period)
Drafting of wills (3 month waiting period)
Other
Refund of portion of transfer fees of primary residence (12 Month waiting period)
Ante-nuptial Contracts
Tax benefits
* The Extended Services is seen as a benefit and attracts no excess fee. See the LegalWise extended
services list for more details. Note that this list can be amended from time to time.
ADD-ON BENEFITS
Additional cover for legal fees from matters arising during the course and scope of your employment for only P 20 per month.
Additional cover for legal fees from matters arising during the course and scope of your employment.
Up to an additional P 60 000 insurance cover for legal fees per case.
Covered for defamation of character matters.
Subject to a three-month waiting period.
An option that allows you to add up to 5 extended family members to your LegalWise Membership for only P 73 per month.
It gives each of them up to P 73 000 cover for legal fees per case plus all the other Benefits and protection of Gold Membership.
Paralegal services in our Branches countrywide, over the phone, via our new video consultation service, e-mail or WhatsApp 24-hour legal assistance via our LegalLine.
Insurance Cover for criminal, civil and labour related matters.
Insurance Cover for the main Member, spouse/ life partner and children under the age of 18.
COVER IN THE REPUBLIC OF SOUTH AFRICA
We cover matters in South Africa if the Member is a citizen of Botswana residing in Botswana, a permanent resident of Botswana or in possession of a lawful Botswana work permit.
The Member who is entitled to cover in Botswana will be entitled to cover whilst temporarily in the Republic of South Africa (RSA) subject to the following: • The Member will be covered for Legal Expenses incurred in the RSA in relation to Relevant Facts occurring entirely in the RSA;
• Cover will only be granted if the Member enters the RSA with a valid visa entitling the Member to do so:
• The Member must be in possession of a passport valid for not less than 30 days after expiry of the intended stay in the RSA;
• The Member must, if required, be the holder of a temporary residence permit issued in accordance with the provisions of the immigration laws of the RSA; • The Member must not be a prohibited or undesirable person in terms of the immigration laws of the RSA;
• The Member must not intend to or actually visit or stay in the RSA for any periods cumulative exceeding 90 days in any one calendar year;
• The Member must not become a resident of the RSA for the purposes of its income tax laws.
(* Members do have the option of selecting their own lawyer and need to pay their legal fees and then claim a refund from Us. LegalWise will only refund according to the Simplified Legal Tariffs.)
WHEN DOES A LEGAL COUNSELLOR REFER YOUR MATTER?
The Legal Counsellor will consult with you, review and assess your matter by first attending to the matter administratively, dealing with any legal work and exhausting all internal remedies.
You will then be referred to our network of attorneys, if necessary and LegalWise will cover any legal fees that may arise *
(* Members do have the option of selecting their own lawyer and need to pay their legal fees and then claim a refund from Us. LegalWise will only refund according to the Simplified Legal Tariffs.)
HOW DOES THE WAITING PERIOD WORK?
You have a 3 month waiting period from the date of your first premium payment, before LegalWise will pay for legal fees and we will only cover legal cases that arose after the 3 month waiting period. However, you get immediate assistance from our in-house Legal Counsellors and the 24 hour LegalLine.