Our annual insurance cover benefits and premium adjustment will take effect from 1 July 2025. We understand that any increase matters, and have worked hard to keep it as low as possible.

The Constitution of the Republic of South Africa (“Constitution”) gives everyone basic rights of access to their basic needs. These rights are called human rights, and places an obligation on the Government to look after everyone’s social and economic needs, for example, access to housing, food, water, health care, social security and so on. These rights may not be violated by anyone.

Human rights are the basic rights a person is born with. It is the general values of society that have been protected in the Bill of Rights contained in the Constitution of the Republic of South Africa (“Constitution”). The manner in which human rights are applied on a day-to-day basis will depend on the circumstances of each matter. This article will shed some light on the rights to dignity, basic education, freedom of speech and equality.

The Employment Equity Act (“EEA”) protects employees against discrimination in the workplace through promoting equal opportunities and fair treatment of employees. This means that an employer may not unfairly discriminate against an employee on certain grounds, for example, gender, sexual orientation and pregnancy. This is in line with the right to equality that is protected by the Constitution.

One of the most valuable pieces of consumer legislation in South Africa is the National Credit Act 34 of 2005 (“NCA”). The NCA protects a consumer who enters into a credit agreement with a credit provider, such as a bank. For example, a credit agreement can take the form of a credit card, overdraft, store card, personal loan and so on.

The Constitutional Court referred to customary marriages entered into after the Customary Marriages Act came into effect, where a wife will be equal to her husband. The marriage will be automatically in community of property, giving the wife equal rights to own and control the property in the joint estate.

In May 2019, the High Court declared the exclusion of domestic workers from COIDA unconstitutional and invalid. The High Court then held that the declaration of invalidity will apply retrospectively so as to provide relief to other domestic workers who have been injured or died prior to the order being granted. However, the High Court’s judgment had to be confirmed by the Constitutional Court before it could come into effect.