Funeral Plan Policy | Frequently Asked Questions

 

The answers to the questions below are only a summary. Please refer to your Funeral Plan Policy document for exact details.

 

GENERAL

Your digital membership card

  • How can I download my digital membership card?

  • Here’s how to download your digital card:

    1. Save the Scorpion WhatsApp number 011 842 7890
    2. Message "Hi". You will get a list of dropdown menu items.
    3. Select option 2 - Membership card/payments/admin queries
    4. Then select option 1 - Membership card
    5. Type in your Scorpion contract number or your ID number

    Your membership card will load, and you can download/save it.

    View video here.

Fulfilment/ welcome pack

  • What is the Member Fulfilment/ Welcome Pack, and why is it so important?

  • 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:

    • Schedule of Insurance
    • Membership card
    • Membership Agreement
    • Statutory Disclosure Notice

    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.

Membership card

  • What do I do if I haven’t received my membership card yet?

  • If 6 weeks have passed and you have not received your membership card in the post, you can:

    • Talk to us on WhatsApp by adding Scorpion Legal Protection to your contacts. Our WhatsApp number is 011 842 7890. Send us a message and a list of menu options will appear. Select option 1, then option 2 to download and save your membership card.
    • Message us on Facebook.
    • If you are in a branch, ask the receptionist if they have a card printing machine to print your card for you while you wait.
    • Call Scorpion on 0861 333 333 and talk to our Admin department.

    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.

Premiums

  • Why did my debit order deduction for my premiums not go off my bank account?

  • 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:

    • Call us on 0861 333 333.
    • Visit your nearest Scorpion branch
    • SMS CHANGE to 34453 (Standard SMS rates and Ts & Cs apply) and we’ll call you back
    • Send an email to admin@scorpion.biz

Change of membership details

  • How do I make changes to my personal information or make changes to my legal policy or funeral plan?

  • If you want to change your policy or plan or update your personal details, you can:

    • Chat to us on our website using LiveChat
    • Chat to us on Facebook by sending us a private message on Facebook Messenger
    • Chat to us on WhatsApp by adding Scorpion Legal Protection to your contacts (011 842 7890) and following the menu options.
    • Visit your nearest Scorpion branch
    • SMS* CHANGE to 34453 (Standard SMS rates and Ts & Cs apply) and we’ll call you back
    • Send an email to admin@scorpion.biz

COMMUNICATING WITH YOU

Facebook

  • What help can I get on Scorpion’s Facebook page?

  • On our Facebook page you can:

    • Talk to us about your issue either by posting in the comments section or by sending us a private message and we’ll respond in a private message to let you know what action has been taken. We reply in private messages so that your personal information is kept private and safe.
    • Ask us anything about your legal policy or funeral plan
    • Get helpful legal tips and stories
    • If we can’t answer your question on Facebook, we will escalate your query to the relevant department and they will call you back.

WhatsApp

  • Does Scorpion use WhatsApp to service its members?

  • 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.

Newsletters

  • Why do I not get my newsletters in the post anymore?

  • 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:

    • Chat to us on our website using LiveChat
    • Chat to us on Facebook by sending us a private message on Facebook Messenger
    • Chat to us on WhatsApp by adding Scorpion Legal Protection to your contacts (011 842 7890) and following the menu options.
    • Visit your nearest Scorpion branch
    • SMS* CHANGE to 34453 (Standard SMS rates and Ts & Cs apply) and we’ll call you back
    • Send an email to admin@scorpion.biz
  • Why did I not get my digital newsletter?

  • 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:

    • Chat to us on our website using LiveChat
    • Chat to us on Facebook by sending us a private message on Facebook Messenger
    • Chat to us on WhatsApp by adding Scorpion Legal Protection to your contacts (011 842 7890) and following the menu options.
    • Visit your nearest Scorpion branch
    • SMS* CHANGE to 34453 (Standard SMS rates and Ts & Cs apply) and we’ll call you back
    • Send an email to admin@scorpion.biz

SCORPION FUNERAL PLAN POLICY DOCUMENT

  • Why is the Funeral Plan / policy document so important?

  • The Funeral Plan / 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.

SCHEDULE OF INSURANCE

  • What is the Schedule of Insurance?

  • 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.

FUNERAL PLAN

  • What is a Scorpion Funeral Plan?

  • Our funeral plans provide you and your family with the financial means to have a dignified funeral. The real advantage of a Scorpion funeral plan is that lawyers back it. This means after we pay your claim, we can give you and your family legal assistance with any of the legal challenges they may face when finalising the deceased’s estate.
    The Scorpion funeral plan provides:

    Money for a dignified funeral for you, your spouse and up to 5 children.
    A Funeral Support Centre to advise you on:

    • Drawing up a simple will;
    • Finalising the affairs of the deceased;
    • Drafting the deceased’s reporting documents;
    • Withdrawing from the Guardian Fund;
    • Withdrawing of pension fund benefits.

    Accidental death cover.
    Double accidental death cover for the main member and their spouse.
    You can add to your cover:

    • The breadwinner's benefit;
    • Additional children cover;
    • Parents/parents-in-law cover;
    • Extended family cover.

Nominated Beneficiaries

  • What is the difference between a beneficiary and a dependant?

  • 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.

  • Who is the nominated beneficiary?

  • 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.

Waiting periods

  • Are there any waiting periods for death from natural causes?

  • Yes, there are waiting periods for death from natural causes. The benefits are subject to a waiting period of:

    • 6 months for Plans A, B, C, and D for the main insured person, partner and children
    • 6 months from receipt of the first premium for parents and extended family members
  • Are there any waiting periods for death by suicide?

  • 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.

  • Are there any waiting periods for accidental death?

  • 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.

How to Claim

Funeral benefit

  • What death types does the Funeral benefit cover?

  • 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.

Additional accidental death benefit

  • What is the Additional Accidental Death Benefit?

  • 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.

 

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