Legal insurance provides legal counselling and representation for you and your family in the event you find yourself in a legal dispute., you will receive face-to-face or telephonic assistance from our legal counsellors at any of our branches.
Legal Insurance provides cover for the following legal cases:
- Civil Matters such as, breach of contract, the purchase of defective goods, evictions, and uncontested divorce.
- Criminal Matters such as assault, theft, robbery, murder, rape, hijacking and physical abuse,
- Administrative Matters such as drawing up of a simple will.
- Labour Matters such as unfair dismissals, discrimination in the workplace and unfair labour practises.
- Accidental Death Legal Expenses Cover – only the main member is covered for this. It is a cash benefit that is paid out to the deceased’s family in the event that the main member dies in a sudden event such as a car accident.
PREMIUMS AND PAYOUT
Premiums for legal insurance are as follows;
Family Plan
| |
Premium |
|
|
| Level of Cover |
Normal Rate |
Additional Spouse |
Additional Child |
| E10 000.00 |
E45.00 |
E30.00 |
E30.00 |
| E20 000.00 |
E85.00 |
E60.00 |
E60.00 |
| E30 000.00 |
E125.00 |
E90.00 |
E90.00 |
| E40 000.00 |
E165.00 |
E120.00 |
E120.00 |
| E50 000.00 |
E205.00 |
E150.00 |
E150.00 |
| E60 000.00 |
E245.00 |
E180.00 |
E180.00 |
| E70 000.00 |
E285.00 |
E210.00 |
E210.00 |
| E80 000.00 |
E325.00 |
E240.00 |
E240.00 |
| E90 000.00 |
E365.00 |
E270.00 |
E270.00 |
| E100 000.00 |
E405.00 |
E300.00 |
E300.00 |
WHO IS COVERED?
- The main policy holder (Member),
- His or her spouse,
- Up to 4 Biological, adopted and stepchildren who are not older than 18 years.
- Parents and parents-in-law can be added to the scheme at an additional premium as indicated above.
- Additional spouse(s) and/or children can be added at an additional premium as indicated above.
Individual Plan
| Level of Cover |
Premium |
| E10 000.00 |
E30.00 |
| E20 000.00 |
E55.00 |
| E30 000.00 |
E80.00 |
| E40 000.00 |
E105.00 |
| E50 000.00 |
E130.00 |
| E60 000.00 |
E155.00 |
| E70 000.00 |
E180.00 |
| E80 000.00 |
E205.00 |
| E90 000.00 |
E230.00 |
| E100 000.00 |
E255.00 |
WHO IS COVERED?
- The main policy holder (member) only.
Eligibility Ages
- Principle: 18yrs to 65yrs
- Spouse: 18yrs to 65yrs
- Child: Up to 18yrs
- Parent/Parent in law: Up to 75yrs
Waiting Period
There is a 6 (SIX) MONTHS WAITING period for all legal cases except criminal cases which have a 12 (TWELVE) MONTHS WAITING PERIOD.
Claims
UGI Legal must be informed of a claim requiring legal cover within 30 days of the occurrence of the event.
Documents to be submitted:
For Legal Cover:
- ID document of policyholder
- ID document of person in legal dispute
- Proof of relationship to policyholder (Marriage Certificate/Birth certificate)
- Police Report
- Any Correspondence with the Opponent
- Any other documents reasonably requested by UGI Legal either on the claim form or in relation to the claim.
Joining Requirements
Required Documentation:
- ID of the policy holder and beneficiary,
- ID of dependants (Spouse, children, parents/parents-in-law)
- Proof of relationship to policyholder (Birth Certificates/Marriage Certificate).
