The answers to the questions below are only a summary. Please refer to your Legal Membership Agreement document for exact details.
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Why did my debit order deduction for my premiums not go off my bank account?
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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 follow these steps:
- Save the Scorpion WhatsApp number 011 842 7890 on your phone.
- Send us a "Hi" to get started.
- You will receive a reply from Scorpi with instructions.
- Tap the three horizontal lines at the bottom of the message to open a menu of options.
- Scroll down to find the option that best suits your enquiry. In this case choose Payment / Admin query.
- Click on the option. A tick box will appear next to your chosen option.
- Press Send.
- You will receive a reply from Scorpion.
Or call us on 0861 333 333.
-
What is DebiCheck?
-
DebiCheck is a secure debit order authentication process introduced by South African banks. It allows you to confirm your debit order directly with your bank before payments begin. This helps protect you against unauthorised debit orders and provides greater peace of mind.
-
How does DebiCheck work?
-
DebiCheck is a simple once-off process:
- You join Scorpion and choose to pay your monthly premium by debit order.
- Scorpion sends your debit order request to your bank.
- Your bank contacts you to confirm the debit order. Depending on your bank, you may receive the request via:
- SMS
- Your banking app
- Internet banking
- USSD
- ATM
- You confirm the request with your bank.
- Once confirmed, your bank authorises the recurring monthly debit order, and you do not need to confirm it again each month.
Note: The exact DebiCheck confirmation process may differ slightly between banks, as each bank uses its own authentication channels and procedures.
-
Why does Scorpion use DebiCheck?
-
DebiCheck provides a safer and more secure way to process debit orders. It:
- Protects you against unauthorised debit orders.
- Improves payment reliability.
- Reduces payment disputes.
- Gives you confidence that your debit order has been approved by you.
-
Do I need to confirm my debit order every month?
-
No. You only need to confirm your DebiCheck mandate once. After that, your monthly premiums will be deducted automatically in accordance with the agreed debit order mandate.
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What happens if there isn't enough money in my account?
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Where your bank supports DebiCheck Tracking, your bank may continue checking your account for available funds for a limited period after the scheduled debit date. If sufficient funds become available during this period, the debit order may still be processed without you needing to confirm it again.
-
Why didn't I receive my DebiCheck confirmation request?
-
Your bank sends the DebiCheck request using the mobile number it has on record, which may be different from the number you provided to Scorpion. If you've changed your number, use multiple numbers, or haven't updated your details with your bank, you may not receive the request. Please check that your bank has your current mobile number.
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What happens if I reject the DebiCheck request?
-
Rejecting the DebiCheck request does not automatically cancel your Scorpion legal policy or Scorpion funeral plan. Your premium may still be collected using the debit order authority you provided when you joined. If you rejected the request by mistake, please contact us so we can assist you.
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What happens if I miss the DebiCheck request?
-
Some banks may resend the request, while others may not. If you miss the request, you should:
- Check your banking app or internet banking.
- Contact your bank to see if the request is still available.
- Contact Scorpion if you need assistance.
-
I never received the DebiCheck SMS. What should I do?
-
Not all banks send DebiCheck requests by SMS. Your bank may instead send the request through:
- Your banking app
- Internet banking
- USSD
- ATM
If you cannot find the request, contact your bank to ensure your contact details are up to date or contact Scorpion for assistance.
-
Is there a cost to use DebiCheck?
-
No. DebiCheck itself is free to customers. However, your bank's normal data charges or banking fees may apply when using banking channels such as your banking app or USSD.
-
How long does the DebiCheck process take?
-
In most cases, the request can be confirmed within a few minutes. If your mandate is created on a Friday, Saturday, Sunday or a public holiday, processing may only begin on the next business day.
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Which banks support DebiCheck?
-
Most major South African banks support DebiCheck. Currently, Discovery Bank and TymeBank do not participate in the DebiCheck process.
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Can I change my banking details after confirming DebiCheck?
-
Yes. If you change your bank account or banking details, a new debit order mandate may need to be created, and your bank may ask you to confirm the new DebiCheck request. Please contact Scorpion if your banking details change.
Legal issues can be stressful, but we’re here to make the process as straightforward as possible. Whether you're already a Scorpion member or considering joining, here’s how we can help:
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I need legal help / Help with claiming
-
For Non-Members
To access our legal services, you’ll need to be a Scorpion member. Membership gives you access to expert legal assistance and other valuable benefits.
Join Now to get started today.
For Members
Please read Section 11 of your Legal Policy Document, which explains the Claims Process in detail. Here’s how to claim from your Scorpion Legal Policy:
STEP 1
Follow these steps:
- Save the Scorpion WhatsApp number 011 842 7890 on your phone.
- Send us a "Hi" to get started.
- You will receive a reply from Scorpi with instructions.
- Tap the three horizontal lines at the bottom of the message to open a menu of options.
- Scroll down to find the option that best suits your enquiry. In this case choose Legal Advice.
- Click on the option. A tick box will appear next to your chosen option.
- Press Send.
- You will receive a reply from Scorpion.
or
call us on 0861 333 333.
or
Visit any one of our nationwide branches.
If your issue is a labour or civil matter (not criminal), our legal counsellors will try to resolve it on a reasonable basis. If it is covered matter, and we decide that we cannot resolve it, or that it is complicated or requires immediate action, or it is a criminal matter, we will refer you to a network lawyer or you can consult your own lawyer.
STEP 2
If you have chosen a network lawyer, he/she will submit our Official Claim Form (OCF) to us on your behalf. If you choose another lawyer, you or your lawyer must submit the OCF to us.
Claim Forms
We cannot process your claim for insurance cover unless we have received the Official Claim Form (OCF). Once we have received the OCF, and before we can decide whether your matter qualifies for insurance cover or not, we may request more information from you or your lawyer. If it qualifies, we will issue a written confirmation of cover to your lawyer.
Please note: We will not pay legal expenses incurred before we have issued a written confirmation of cover, nor while you are not a paid-up member.
STEP 3 - FIRST OPTION
If you decide to use a network lawyer, we have the information about who specialises in particular types of cases. You can request this information from us.
Network lawyers have agreed to charge according to our tariffs and to assist you to comply with your obligations under this agreement. Your network lawyer will deal directly with us in connection with your insurance claim and there is no risk of being charged above the tariffs, which may happen under Step 3 - Second Option (see below).
STEP 3 - SECOND OPTION
If you decide to use a lawyer who is not a network lawyer, you must provide us with an official claim form within 7 days of consulting with this lawyer.
Please be aware that the lawyer you choose:
- May not be prepared to charge our tariffs or,
- May not agree to assist you to comply with our reasonable requests for relevant information.
It is in your own interests to clarify the two points above with your lawyer. If you or your lawyer do not provide us with the information we reasonably need to process your insurance claim, we will not pay any of your legal expenses.
If your lawyer agrees to co-operate but does not agree to charge at our tariffs, we will adjust the lawyer’s total charges to our tariffs and pay that amount. You will be personally responsible to pay the shortfall to your lawyer out of your own pocket.
Need help with a claim? Click here to chat to Scorpi for immediate assistance. You can also click here to connect with a Scorpion LiveChat agent on Messenger for assistance. (LiveChat is available from Monday – Friday 08:00 – 16:30 and Saturdays 07:00 – 10:00.)
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I need help with Member’s Portal
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Member’s Portal is our members-only section – you have to be a member to access this part of the site. If you are not a Scorpion member, you will not be able to register or access Members’ Portal.
On the Scorpion Legal Protection website (www.scorpion.biz), the Members’ Portal link is located at the top right corner of the homepage (the little blue avatar icon). Simply click on this link to access the login page. From there, enter your ID number or policy number, followed by your cell number or email address. You will then receive a One-Time Pin (OTP), which you need to enter to complete your registration or login process.
What can you do in Member’s Portal?
- Download your membership card for easy reference
- View your policy details, including benefits and cover limits.
- Access and download important policy documents.
- Make premium payments securely online.
- Update personal information, like contact details.
- Request assistance for legal matters.
- View payment history and update payment details.
- Access all our legal contracts and documents, plus exclusive legal contracts only available to members.
- Contact customer support for queries.
I am having trouble accessing Member’s Portal
To log in to the Members’ Portal, click on login on the Scorpion website. Enter either your ID number or contract number in the first block. Enter either your e-mail address or cell phone number in the second block and then click on "Submit”. Please remember that the cellphone number or e-mail address you use must be the one Scorpion has on your contract. If this has changed, please update your contact details with us first.
If you’re still not coming right, you can follow these steps:
- Save the Scorpion WhatsApp number 011 842 7890 on your phone.
- Send us a "Hi" to get started.
- You will receive a reply from Scorpi with instructions.
- Tap the three horizontal lines at the bottom of the message to open a menu of options.
- Scroll down to find the option that best suits your enquiry. In this case choose Payment / Admin query.
- Click on the option. A tick box will appear next to your chosen option.
- Press Send.
- You will receive a reply from Scorpion.
or
call us on 0861 333 333.
-
I need help with my membership card
-
Waiting for your physical membership card? Don’t worry – you don’t need the card in hand to be an active member or to make a claim. While we do send physical cards via the Post Office, delays can happen that are unfortunately beyond our control.
You can get your digital card by chatting to Scorpi here.
You can also download it through the Members’ Portal.
1. Go to Members’ Portal
Log in using your membership details.
2. Download Your Digital Card
Once logged in, your digital membership card will be saved to your profile. Click on ‘Download Membership Card’ and it will open. Save it to your phone.
3. Use It Anywhere
Show or use your digital card wherever you would have used your physical card – it’s just as valid!
Switching to a digital card is faster, more convenient, and always accessible when you need it. If you need help accessing the Member’s Portal, we’re here to assist.
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I want feedback on my case
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We understand that waiting for updates on your case can be stressful. If you’d like to check on the progress, our team is here to assist you.
How to Request an Update
To get feedback on your case:
1. Contact Us
If you’re still not coming right, you can follow these steps:
- Save the Scorpion WhatsApp number 011 842 7890 on your phone.
- Send us a "Hi" to get started.
- You will receive a reply from Scorpi with instructions.
- Tap the three horizontal lines at the bottom of the message to open a menu of options.
- Scroll down to find the option that best suits your enquiry. In this case choose Feedback.
- Click on the option. A tick box will appear next to your chosen option.
- Press Send.
- You will receive a reply from Scorpion.
or
call us on 0861 333 333.
2. Provide Your Details
Be ready to share your policy number and possibly additional information we may request. This helps us locate your file quickly.
3. We’ll Take It from Here
Once we have your details, we’ll contact the lawyer handling your case and get back to you with an update as soon as possible.
We’re committed to keeping you informed every step of the way. If you have any concerns, don’t hesitate to reach out!
You can also chat to Scorpi for assistance here.
-
I need help with paying
-
If you’re still not coming right, you can follow these steps:
- Save the Scorpion WhatsApp number 011 842 7890 on your phone.
- Send us a "Hi" to get started.
- You will receive a reply from Scorpi with instructions.
- Tap the three horizontal lines at the bottom of the message to open a menu of options.
- Scroll down to find the option that best suits your enquiry. In this case choose Payment / Admin query.
- Click on the option. A tick box will appear next to your chosen option.
- Press Send.
- You will receive a reply from Scorpion.
or
call us on 0861 333 333.
-
I need help with joining
-
We're excited that you've decided to join! 👌
To join a Legal Policy: Click Join here below, and fill out the online application form.
To join a Funeral Plan: You cannot apply online. Simply SMS the word 'FUNERAL' to 34453, and we’ll call you to assist with this application.
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What is the Scorpion Paralegal Services benefit?
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Paralegal services are dispute prevention services that we provide through our in-house, legally trained counsellors.
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How can I get Scorpion’s paralegal services?
-
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.
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Am I automatically entitled to paralegal services as a Scorpion legal policy member?
-
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.
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What if my matter cannot be resolved through paralegal services?
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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.
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Can I claim paralegal services if my matter is excluded from cover?
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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.
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What is a Scorpion Paralegal Specialist Department?
-
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.
-
What is the Legal Expenses Insurance Cover benefit?
-
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.
-
Are there limitations on the Legal Expenses Insurance Cover?
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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.
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What is a network lawyer?
-
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.
-
Can I choose my own lawyer or do I have to use one of Scorpion’s network lawyers?
-
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.
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What is the Scorpion Schedule of Tariffs?
-
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.
-
Do I have cover for a case that occurred outside South Africa?
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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.
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Who is covered by the Legal Expenses Accidental Death (LEAD) benefit?
-
The Legal Expenses Accidental Death (LEAD) benefit applies to the accidental death of the main member only.
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Can the Legal Expenses Accidental Death (LEAD) benefit be bought on its own?
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No, this benefit cannot be bought as a stand-alone policy.
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I am the nominated beneficiary of the deceased member, can I claim for the Legal Expenses Accidental Death (LEAD) benefit during the waiting period?
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Yes, as long as the membership was paid up, you can claim for the Legal Expenses Accidental Death (LEAD) benefit during the waiting period.
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How does one make a claim for the Legal Expenses Accidental Death (LEAD) benefit?
-
STEP 1
Inform Scorpion of the death and obtain the LEAD claim form
You can do this by:
- Downloading the claim form here
If you’re still not coming right, you can follow these steps:
- Save the Scorpion WhatsApp number 011 842 7890 on your phone.
- Send us a "Hi" to get started.
- You will receive a reply from Scorpi with instructions.
- Tap the three horizontal lines at the bottom of the message to open a menu of options.
- Scroll down to find the option that best suits your enquiry.
- Click on the option. A tick box will appear next to your chosen option.
- Press Send.
- You will receive a reply from Scorpion.
or
call us on 0861 333 333.
or
Visit any one of our nationwide branches.
STEP 2
We will need specific documents in order for us to process the claim.
Please read page 2 of the LEAD claim form for the list of documents needed.
STEP 3
Complete the LEAD claim form.
Please make sure you complete all the details required on both pages. Incomplete details may cause a delay in the processing of the LEAD claim benefit.
STEP 4
Submit the completed LEAD claim form and required documents to the Scorpion Claims Department by emailing them to Lead@scorpion.biz.
If you are having problems completing the form or want someone to help you through the process, please follow these steps:
- Save the Scorpion WhatsApp number 011 842 7890 on your phone.
- Send us a "Hi" to get started.
- You will receive a reply from Scorpi with instructions.
- Tap the three horizontal lines at the bottom of the message to open a menu of options.
- Scroll down to find the option that best suits your enquiry.
- Click on the option. A tick box will appear next to your chosen option.
- Press Send.
- You will receive a reply from Scorpion.
or
call us on 0861 333 333.
STEP 5
Scorpion will assess the LEAD claim to ensure that the claim form has been completed properly and that all the documents have been received. If there are missing documents, the claims handler will advise you.
STEP 6
Payment will be made within 48 hours for a LEAD claim that is valid and approved, and we have received all the required information and documents.
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Can I buy the Legacy Accumulator as a stand-alone policy?
-
No, the Platinum Legacy Accumulator is part of the Scorpion Platinum policy and cannot be bought as a stand-alone policy.
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Can I claim the Legacy Accumulator for the passing of a spouse, children or extended family members who are covered under the policy?
-
No, the Legacy Accumulator can only be claimed upon the death of the main member.
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Is there a waiting period before a beneficiary can claim the Legacy Accumulator benefit?
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Yes, there is a 3-month waiting period.
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Who can claim the Legacy Accumulator?
-
Only the beneficiary that has been nominated by the main member under the Legal Expenses Accidental Death benefit (LEAD).
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Can I claim the Legacy Accumulator if the main member’s death was not due to an accident?
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Yes. The Legacy Accumulator rewards the main member’s loyalty irrespective of whether his/her death is the result of an accident or not (on condition that the terms and conditions are met).
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The main member’s policy was in arrears with 1 month when he passed on, can I still claim the Legacy Accumulator?
-
No, to claim the Legacy Accumulator, the Platinum main member needs to have kept the policy paid up.
-
Is the Legacy Accumulator benefit available to current Platinum B & C members?
-
No, the Legacy Accumulator is a benefit available exclusively to Platinum members. Scorpion no longer markets Platinum B & C policies.
-
I have been a paid-up platinum A member since 2017, will my accumulated premiums be calculated from the time I joined in 2017
-
No, the Legacy Accumulator is a new benefit we have introduced. Effective from the 1st of July 2024. Any premiums paid prior to July 2024 will not be considered when calculating the accumulated benefits.
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How much can the beneficiary claim upon the death of the main member?
-
The value of the payout will be determined by the main member's continuous premiums received over the most recent 36 months, effective from 1 July 2024.
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In the case of the accidental death of the main member, can the beneficiary claim for both the legal expenses accidental death benefit (LEAD) and the Legacy Accumulator benefit?
-
Yes, it is possible to claim both benefits (on condition that the terms and conditions are met. Please refer to your Legal Policy Membership Agreement).
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What is the Extended Family Protection benefit?
-
Extended Family Protection is an optional benefit that allows you to extend your Scorpion Legal Protection to your nominated parents and parents-in-law who qualify. It provides them with legal cover under your policy, subject to its terms, conditions, and limitations. It is not a standalone policy.
-
Who can be covered under the Extended Family Protection benefit?
-
You can cover your nominated:
- Biological or adoptive parents (aged 60 or older).
- Your spouse's biological or adoptive parents (aged 60 or older).
All nominated persons must be listed on your Schedule of Insurance. Subject to terms, conditions, and limitations.
-
Is Extended Family Protection included automatically?
-
No. Extended Family Protection is an optional add-on available for an additional monthly premium. It must be selected and shown on your Schedule of Insurance.
-
Can I buy Extended Family Protection on its own?
-
No. Extended Family Protection is an optional add-on to eligible Scorpion Legal Protection policies and cannot be purchased as a standalone policy.
-
Which Scorpion policies offer Extended Family Protection?
-
Extended Family Protection is available on Policy A and Platinum A.
-
What legal matters are covered?
-
Covered family members enjoy the same legal benefits available under your chosen policy, subject to the Membership Agreement, waiting periods, exclusions, limits, and your policy remaining paid-up. Platinum offers our most comprehensive legal protection.
-
Do waiting periods apply?
-
Yes. The standard waiting periods and all other terms of the Membership Agreement apply to Extended Family Protection.
-
Is there a limit to what Scorpion will pay?
-
Yes. The maximum amount payable for each nominated parent or parent-in-law is shown in your Schedule of Insurance.
-
Do I need to keep my policy paid up?
-
Yes. Your Scorpion Legal Protection policy must remain paid up for Extended Family Protection benefits to apply.
-
How do I add Extended Family Protection?
-
You can add Extended Family Protection by contacting Scorpion. Once added, your nominated qualifying parents and/or parents-in-law will be reflected on your Schedule of Insurance. Subject to eligibility, terms, conditions and limitations.
-
What is the Occupation-Specific Extender?
-
The Occupation-Specific Extender is an optional benefit that provides additional legal protection for qualifying occupations. It helps cover certain legal matters that arise from the course and scope of your employment and are not covered under the standard legal protection policy.
-
Can I take the Occupation-Specific Extender as a standalone policy?
-
No. The Occupation-Specific Extender is not a standalone policy. It is an optional add-on that can only be taken together with a qualifying Scorpion Legal Protection policy. It cannot be purchased on its own.
-
Who can take the Occupation-Specific Extender?
-
The Occupation-Specific Extender is available to qualifying members working in approved occupations, including:
- Educators
- Healthcare professionals
- Law enforcement officers
- Correctional services officials
- Members of the armed forces
- Security personnel
- Other approved occupations
Your qualifying spouse can also add this benefit for an additional premium.
-
Who is considered a qualifying spouse for the Occupation-Specific Extender?
-
A qualifying spouse is a spouse who is covered under your Scorpion Legal Protection policy and also works in one of the approved qualifying occupations.
These include:
- Educators
- Healthcare professionals
- Law enforcement officers
- Correctional services officials
- Members of the armed forces
- Security personnel
You can add your qualifying spouse to the Occupation-Specific Extender for a small additional monthly premium, subject to the terms, conditions, exclusions, waiting periods and benefit limits set out in the Membership Agreement.
-
Is the Occupation-Specific Extender included in my legal policy?
-
No. The Occupation-Specific Extender is an optional add-on that can be purchased for a small additional monthly premium.
-
Why do I need the Occupation-Specific Extender?
-
Certain occupations face unique legal risks at work. The Occupation-Specific Extender provides additional legal protection for qualifying work-related incidents that may not be covered by your standard legal policy.
-
What types of legal matters does the Occupation-Specific Extender cover?
-
The extender covers certain legal matters arising from the course and scope of your employment, subject to the terms, conditions, exclusions, and benefit limits of your Membership Agreement.
-
Does the Occupation-Specific Extender cover all work-related legal matters?
-
No. Cover is subject to your Membership Agreement and only applies to qualifying work-related incidents. Certain matters, exclusions and waiting periods may apply.
-
Can my spouse also be covered?
-
Yes. If your spouse works in a qualifying occupation, they can also take the Occupation-Specific Extender for a small additional premium.
-
How much does the Occupation-Specific Extender cost?
-
The Occupation-Specific Extender is available for a small additional monthly premium.
-
When does cover start?
-
Cover begins after any applicable waiting periods have been completed and your Membership Agreement is active. Please refer to the Membership Agreement for full details.
-
How do I add the Occupation-Specific Extender to my policy?
-
You can add the Occupation-Specific Extender when taking out a new policy or request to add it to an existing qualifying policy by contacting us.
-
How do I know if my occupation qualifies?
-
If you're unsure whether your occupation qualifies, contact us, and we'll be happy to confirm your eligibility for the Occupation-Specific Extender.
-
Where can I find the full terms and conditions?
-
The full details, including qualifying occupations, benefits, exclusions, waiting periods and benefit limits, are contained in the Membership Agreement. Please read it carefully to understand exactly what is covered.