Key Takeaways
- Legal Insurance gives you and your family cost-effective Legal Cover.
- Your Legal Insurance policy automatically covers you, your spouse, and 5 dependent children up to the age of 21.
Legal Insurance for families
Legal Insurance serves as a crucial safety net for families, providing financial protection against the unexpected legal challenges that can arise in everyday life. Bidvest Insurance’s Legal Insurance is designed to provide professional and affordable legal protection for you, your spouse, and up to 5 dependent children. This coverage spans across key areas of South African law, including civil matters, family matters, criminal matters, and labour matters.
With our Legal Insurance you gain access to unlimited legal advice, 24-hour bail assistance, divorce cover, property transfer discounts, and the drafting of Wills, among other benefits. This ensures that your family is protected from costly legal fees and has the necessary legal representation whenever needed.
How to add family members to your Legal Insurance policy
Step 1: Review your current policy
Ensure you understand the current scope of your Legal Insurance policy, including the coverage options. You can refer to your Policy Wording and the Schedule of Insurance for detailed information. Your Legal Insurance policy automatically covers you, your spouse, and up to 5 dependent children up to the age of 21.
Step 2: Ensure you have the appropriate coverage option for your family
Legal Insurance from Bidvest Insurance has three product options: Essential, Comprehensive, and Elite. Each option has different levels of coverage, so make sure you have the one that best suits your family’s needs. For example, the Comprehensive option provides higher litigation cover compared to the Essential option. You can easily upgrade your coverage by contacting us here:
Step 3: Understand automatic coverage for family members
Your spouse and dependent children (unmarried and unemployed) are automatically covered under your Legal Insurance policy. You don’t need to notify Bidvest Insurance of a marriage or new dependent child. Proof of marriage, dependence, and children’s ages is, however, required when a claim for a dependent is registered.
How much does it cost to add family members to your Legal Insurance policy?
The cost of adding immediate family members to your Legal Insurance policy is included in your monthly premium. Your spouse and dependent children up to the age of 21 are included in your policy with no extra cost. Additional family members such as siblings or parents will need to obtain their own policies.
Here is a breakdown of the monthly premiums for each coverage option:
- Essential: R99 per month.
- Comprehensive: R159 per month.
- Elite: R209 per month.
FAQs
Can I add any family members to my policy?
Yes, you can add your spouse and up to 5 dependents to your Legal Insurance policy. Your spouse and dependent children are automatically covered under your Legal Insurance policy.
Are there any waiting periods for new family members?
Yes, there are waiting periods for new family members. For example, if you marry after the policy’s commencement, your spouse’s waiting period will begin from the date of marriage. Check your Policy Wording for specific details on waiting periods.
Is there a limit to the number of dependents I can add?
Yes, you can add up to 5 dependents (unmarried and unemployed children) to your policy.
Protecting your family’s legal rights is important in today’s society. With Bidvest Insurance’s Legal Insurance, you can ensure that your family has the necessary legal protection, without the high costs associated with hiring a lawyer.
