Since our inception in 2005 we have successfully helped thousands of families, individuals and company’s with Immigration to South Africa.

There is little doubt that your selection of a company to assist you with your Immigration to South Africa is of course a large contributor to a successful or problematic relocation. The very reason individuals and companies employ the services of an Immigration to South Africa visa expert is to ensure they receive the very best of advice, the most punctual and efficient of services and a successful conclusion.

At Intergate Immigration we take pride in offering South Africa’s most comprehensive Immigration to South Africa service. A testament to our service levels and expertise is that the majority of our new clients come from recommendations of satisfied clients and are very happy to supply third party references.

Our Immigration to South Africa Services

We realise that Immigration procedures can be a daunting and complex process. Our immigration services are designed to provide you with the maximum support and a ‘smooth journey’ throughout your Immigration to South Africa

• As per our corporate profile, our South African immigration services are well resourced by professional and qualified people. View our Immigration to South Africa expert team here.
• Our Immigration practitioners were tested and registered with the Department of Home Affairs.
• We are a registered South African company with full branches in Cape Town and Johannesburg.
• Our immigration services cover the whole of South Africa and we can submit anywhere in the world.
• Our enviable success rate is indicative of our attention to detail
• Our immigration administration team is led by experienced professionals and we have a number of legally trained and multi lingual staff at your resource. Our websites can be viewed in German, Dutch, French  and Chinese as well as English.
• Our services are used by multi-nationals, recommended by consulates and we continue to welcome friends and family of the thousands of individuals we have assisted.

How can Intergate Immigration help me with my Immigration to South Africa?

Selecting which immigration company to assist you with your South African Immigration can mean the difference between a successful or disappointing relocation to South Africa.

As you would expect from one of South Africa’s leading immigration specialists you will receive expert opinion and support in terms of any South African visa or permit application. Our role however does not stop there as we can provide assistance with important items such as:

• Funding that right home
• Foreign exchange requirements and regulations
• Medical insurance and other insurance needs 
• Banking
• Tax

Simply put, we believe no other South Africa Immigration company offers you the in-house expertise, range of services and number of South African Immigration practitioners that we do.

Intergate distinguishes itself from it competitors with an unrivalled range of support. The dedicated client manager is there to guide you through your whole immigration to South Africa process and our industry leading personalised relocation report and extranet gives you the opportunity to research every aspect of your move.  Furthermore, our purpose built Client Management System ensures you are up to date at all times with your applications progress.

So when it comes to Immigration to South Africa, with Intergate Immigration, you are in the best possible hands to receive the right advice and assistance to obtain your visa to travel, visit, live and work in South Africa.

Our website provides you with information about the different permits and visas that a person will need for a successful Immigration to South Africa. (See also Wikipedia on Immigration to South Africa.)

Credibility and experience – Immigration to South Africa

Our experience in South African immigration is second to none. We have helped thousands of families and hundreds of companies with their Immigration to South Africa needs and securing the right South African permit and visa.

Our ability to provide our services is worldwide, We are a registered South African company with full branches in Cape Town and Johannesburg but our immigration services cover the whole of South Africa and we can submit anywhere in the world. We have submitted and prepared South African visa and permit applications in over 40 countries to date.

As per our corporate profile, our South African immigration services are well resourced by professional and qualified people. Our Immigration practitioners were tested and registered with the Department of Home Affairs and each specialises in a  specific area of immigration law.

Our enviable success rate is indicative of our attention to detail, our immigration administration team is led by experienced professionals and we have a number of legally trained and multi lingual professionals at your resource.

Our services are used by multi-nationals, recommended by consulates and we continue to welcome friends and family of the thousands of individuals we have assisted with their Immigration to South Africa.

When it comes to immigration to South Africa and obtaining the correct South Africa Visa you could not be in safer hands.

Immigration to South Africa – Visa Summary

Whether you are in the early stages of planning your South African Immigration, need advice on the possible South African Visa solutions, or wish to start your Immigration to South Africa with a proven immigration expert, contact Intergate Immigration, South Africa’s leading immigration experts. We are here to make your plans to immigrate to South Africa become a reality.

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UK Pension Holders South Africa

On April the 6th 2006, pension rules were simplified by the UK government.

Many retiree’s or future retiree’s remain uncertain what these changes are and how best to take advantage of them.

For UK citizens based abroad

Wherever you may have lived in the world, now be settled or thinking of emigrating to, your pension will play a large part in enjoying your retirement years.

Through so many tax regimes to contend with and different ways of drawing your pension scheme, it is now more important than ever to ensure you research thoroughly all your retirement options.

For many UK citizens, who have chosen to enjoy their retirement years abroad, they can look forward to receiving tax free benefits.

Received pension and retirement plans back in the United Kingdom?

All emigrants leaving the UK should review their pension arrangements. There are possibilities for pension and retirement plans to be invested in a more tax efficient manner and opportunities to take advantage of utilising your pension life time allowance. A pension check is an easy process to undertake for a qualified advisor. They will be able to provide you with a retirement report detailing your best way forward.

This report should include items such as your state pension, private pensions, additional contributions and company pension schemes.

Don’t worry if you have already moved it, it is never too late to carry out a review.

Expatriates living and working abroad

For many expatriates working abroad, employers do not offer any form of company pension scheme, the onus therefore falls on the individual to cater for their retirement income. This makes it more important then ever to have correct retirement plans in place.

There are a number of benefits available to expatriates, their situation calls for expert financial retirement and tax planning.

What is a self invested pension?

This was one of the areas simplified in the 2006 pensions review. This allows pension plan holders to take more control of their retirement funds, where there pension money is invested and alternative ways of drawing an income from it.

What about my UK state pension?

Often many years of contribution have been paid via national insurance contributions into the UK state pension fund. It is always advisable to obtain a state pension forecast, to establish whether you are entitled to a full state pension or whether further contributions must be made. For an online pension forecast please click here.

It should be noted that for some countries the retirement benefit payable ‘freezes’ at the level it is paid out initially if they are living ion another country.

What are frozen pensions?

Frozen pensions are old pension arrangements that are no longer contributed to. Very often the terminology ‘frozen’ provides the incorrect impression that there is no growth in the retirement fund and no benefits can be accessed. This is not the case and they should be thoroughly reviewed as to the best options for them. Estimates are that over 5 billion GBP lies unclaimed in UK pensions.

Frozen pension schemes (commonly referred to as preserved pensions) occur when an employee leaves their employer and therefore ceases to be a paying member of the company a pension scheme.

They are pensions that will become payable in the future, hence the terminology frozen or preserved pensions or annuities.

It should be noted, the terms frozen pension and preserved pension are often misunderstood to mean that the pension/retirement fund that has been accrued whilst contributing to the employer’s scheme will remain at that level and not benefit from any further growth. This is not the case and various rules dictate minimum growth levels.

With effect from the 6th April 1975 it was made a legal requirement to provide a preserved pension (subject to certain conditions) for employees who had completed 2 years membership of an employers occupational pensions scheme.

If you left an employers scheme before 6th April 1975, there is every chance that the pensions scheme did not provide any preserved benefits. Many schemes that were contributory pension schemes simply provided a refund of the contributions made by the member (employee) and for non-contributory schemes there was often no benefit at all.

For employees, leaving employers pension schemes, after 1975, if you had completed more than two years membership you may have been ,or be eligible to, reclaim any contributions made.

If you have been a member for more than two years the law makes no provision for a refund however, for preserved benefits (a preserved annuity). This two year rule came into effect on the 6th April 1988, before then it was for 5 years period.

The transfer act of 1995 provided more flexibility for employees leaving company schemes by calling for companies to provide a transfer value as opposed to a preserved annuity for all leavers (subject to certain rules). The exception to this was final salary scheme, known as defined benefits that protected the value of the preserved pension.

Leaving members have certain rights under the Pensions Act of 2004 that stipulates leaving options should be given to the member within a reasonable period of leaving their employment. This is expected to be within 3 months by the pension regulator.

What should I do if I think I have a preserved or frozen pension?

If you think you have a preserved or frozen pension scheme it is always worth checking it out. Experts estimate there are some 10 billion pounds of unclaimed pension money.

Self Invested Pensions were introduced in 1989 by the then Chancellor of Exchequer, Nigel Lawson. He proposed to make the managing of peoples investments in pensions easier with the introduction of the Self Invested Personal Pension Plans (SIPPS).

Self Invested Pensions (SIPPS) are basically personal pension plans that allow the investor to directly manage the investments, held within the pension.

Prior to the introduction of SIPPS, it was common for individuals to save for retirement via personal pension schemes. The investor would select a company with which they would take out the personal pension and would then receive advice, or opt for, which type of investment fund their pension money, would be invested in. This could range from with profit funds, through to managed funds and a variety of other specialist funds such as property, equity and bond funds.

What these investments (underlying investments) shared in common usually was the pension plan holder may have had little influence on where their actual money was invested. For some, personal pension holders, the array of underlying investments they could select from may be somewhat restricted, for example only funds supplied by the company providing the personal pension plan.

In real meaning, the legislation is aimed at providing the retirement saver with a much wider array of choice and control over the underlying investments their retirement savings is invested into.

What is the purpose of a SIPP?

A SIPP is set up for the sole purpose of investing to gain an annuity, income drawdown and/or cash lump sums on retirement of the pension holder.

The self invested personal pension plan benefits are perceived by many to focus on one of the main criticisms’ of personal pensions – that they under perform – by allowing the pension investor to have more control over where their funds are invested.

Although self invested personal pension plans (SIPPS) have been around for over a decade it has only recently come of age, due to changes in the regulations governing them.

Other advantages include:

• Paying less tax – SIPPS qualify for tax relief at your highest rate.
• Contributions – there is no maximum to the amount you can pay into a SIPP.
• Transfers – where appropriate transfer from other schemes can be made into the SIPP.
• Investment choice – pension investors can choose from a range of different investments including commercial property.

Flexible Benefits – on reaching retirement age pension holders are no longer restricted to traditional annuities but select from cash lump sums, income drawdown and different options pertaining to spouses or dependants benefits.
Is a SIPP suitable for me?

To answer is a SIPP suitable for me? Professional advice should always be sought. It is imperative that when saving for retirement, whether by means of lump sums, regular contributions or a transfer of some existing arrangements, care is taken to ensure the correct advice is sought and given.

A SIPP might be suitable if you are: -

• Self employed
• Your employer does not offer a pension scheme for you to join
• You have a number of personal pension plans which you may wish to transfer so they are all under one scheme.
• You are an international worker.You are immigrating to a new country.

For retirement savers seeking the below it can also be very attractive:

• The freedom to invest into a wide range of investments via your retirement plans.
• A range of options available to your dependants in the event of your death.
• More flexibility in how you take, or draw, your retirement income.

Please note that SIPPS are available to UK residents under the age of 75.

Incompass are able to provide expert advice from our UK pension qualified advisor. Your pension represents one of the biggest assets you have saved for over the years so it is always worth ensuring it is in the best possible environment for growth, taxation and drawing of benefits.

Contact us if you would like to learn how we can help UK Pension Holders South Africa.

At Incompass Financial Services we believe that quality service starts from your very point of contact with us. To this end we endeavour to answer all enquiries and e-mails within 24 hours.

Contact us now for information for UK Pension Holders South Africa.

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Transit Insurance South Africa

Transit Insurance Transit insurance is cover for your goods whilst being shipped from country to country or place to place.

Many immigrants prefer to bring their household belongings with them.

Insuring the goods whilst in transit is imperative, as it often gets damaged during the moving process.

This insurance is called Once off Transit insurance as it would be a once off event and not a daily occurrence as in the Goods in Transit insurance. Using a South African Transit insurer will generally cost about half of what European Insurers would charge.

The product is the same: door-to-door cover that includes damage and theft. An advantage of using a South African transit insurer is that they are all based where you will be residing, and will be able to appoint assessors much quicker, and settle the claim faster than a European one could. Some more information about Transit Insurance South Africa can be found here.

Contact us to learn more about Transit Insurance South Africa

At Incompass Financial Services we believe that quality service starts from your very point of contact with us. To this end we endeavour to answer all enquiries and e-mails within 24 hours.

In the event your enquiry is of an urgent nature please feel free to telephone us. “We look forward to being of assistance to you with Transit Insurance South Africa.

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Medical Aid South Africa

In a constantly changing market it is essential to have comprehensive medical cover because private healthcare in South Africa is very costly.

Most people make the mistake of assuming that medical aid is medical insurance.

Yes, it is a form of insurance, but it differs in the following important ways:

• Firstly, medical aid societies are non profit organizations. Unlike typical commercial businesses, they are not structured to make a profit from the business they conduct. However, to protect members interests, medical aid schemes are required to retain 25% of their gross income as a hedge against future claims.
• Secondly, the industry is governed by a Government-appointed Regulator to ensure that trading practices are in the best interests of the members.
• Thirdly, schemes are governed by Trustees and not by Board members or shareholders. These Trustees are appointed by the members, who are the de facto owners of the scheme.

A group of people regularly put their money into a central pool or kitty and they can access this to cover medical expenses in times of need. Another way to see the kitty is to consider it as pooled resources to cover the costs of your healthcare needs.

The members appoint the Trustees to oversee the administration and management of the scheme in compliance with all legal and financial requirements. In addition, the Trustees ensure that the benefits offered and the contributions payable are in the best interests of members.

Incompass have contracts with the following medical aids (Medical Aid South Africa):

Discovery, Fedhealth, Liberty, Momentum and Telemed

The diagram below shows how medical aid services are differentiated in South Africa

1. Hospitalization This is the expensive part of the medical aid, commonly known as RISK. Different medical aids pay different tariffs, ranging from 100%-300%
2. Chronic Medication The top 25 commonly known chronic diseases must be paid by all medical aid societies. The more comprehensive your plan, the better the chronic benefits will be.
3. Day to Day This benefit is for all out of hospital benefits, such as Doctors, Dentists, Specialists, Optometrists and prescription medication. In this area we have a Traditional Option (set benefits and what you do not use in the year will fall away), and a new Generation Option (medical savings account from which out of hospital expenses are paid. It is an up front Rand value amount and can be carried over to the following year.) Each of these options is divided into different plans, ranging from Hospital plans to Comprehensive plans.

All medical aid societies have an open door policy, so no medical aid can decline your application.

Therefore, the medical aid societies need to assess the risks they are taking on. To do so, they apply the following risk equalizers during the assessment process.

On admission to membership a scheme may impose:

- A 3 month general waiting period
- A 12 month condition-specific waiting period, or
- A waiting period on certain PMB (Prescribed minimum benefits)
- A Late joiners penalty LJP

The late joiner penalties are as follows:

1-4 years1) : 5% – loading on premium
5-14 years : 25% – loading on premium
15-24 years : 50% – loading on premium
25+ years : 75% – loading on premium

1)of break or not being insured

Except:

1. A child born to a member
2. Change between benefit options
3. Termination of membership due to employment or employer changing schemes

Contact us for more information about Medical Aid South Africa

At Incompass Financial Services we believe that quality service starts from your very point of contact with us. To this end we endeavour to answer all enquiries and e-mails within 24 hours.

In the event your enquiry is of an urgent nature please feel free to telephone us.

“We look forward to being of assistance to you about the topic Medical Aid South Africa.”

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Life Assurance South Africa

Never a favourite subject and often classified as a necessary evil.

For immigrants with a capital debt, family responsibilities and a need to protect income it is imperative to review your life assurance and disability cover arrangements when immigrating to a new country.

This is particularly relevant when immigrating to South Africa as there is little in the way of a social net in the event of disability or loss of life.

There are a number of considerations that have to be looked at

• Any existing arrangements these can be worth keeping as rates and benefits may be superior to any new option. However, care must be taken as certain exclusions maybe within the terms and conditions such as if you move abroad certain benefits not being payable (this is particularly the case on disability and income protector benefits).
• Rates it may be cheaper to put South African based cover into place.
• Exchange rates the rand fluctuates immensely and in the event of it weakening any foreign denominated cover would increase in price.
• Feasibility of making payments outside of South Africa for clients wishing to retain life cover and other style protection policies abroad arrangements need to be made to ensure sufficient funds are in place to pay for these policies. The practicalities of having to arrange for regular transfers, often smallish ones, from South Africa to your home country can be tiresome and expensive.
• Claims in the unfortunate event you or your dependants need to make claim legalities such as probates and wills, along with geographical constraints of actually submitting and processing such can mean delays, causing immediate cash shortages.
• Ongoing advice having your protection arrangements in place in another country makes the job of regular reviews and service very difficult. Not only will your personal situation change regularly requiring updates, but new options and rates are often prevalent in this particular market.
• Differing Tax Treatment what may be tax free or tax attractive abroad may well be the opposite in South Africa.

WHAT SHOULD YOU DO?

The main course of action here is review your existing arrangements and needs with a South African based financial advisor.
The advisor should undertake a financial needs analysis for you. Most advisors will do this free and on a non-obligatory basis.
The needs analysis will uncover any of the above issues and the advisor will be able to provide you with a range of options should any remedial action need to be taken.

WHAT ADVISOR SHOULD I SPEAK TO?

Integrates sister company Incompass Financial Solutions provide tailored and expert advice to immigrants and expatriates.

They specialise in this complex area of financial planning, however in general the things you should be looking for are:

• Ensure they are an independent financial advisor so they may offer you the full range of products available not just one companies.
• Use a registered Financial Advisor and ask for proof of this via their FSB registration.
• Check their background, experience and qualifications – are they able to provide advice on the areas you look for. Ideally you should deal with an advisor with a law or accountancy qualification and experience.
• Do they have any knowledge of international financial planning? For example, for UK clients, check they are aware of UK financial planning instruments.
• What is the size of their organisation? Although there can be benefits to dealing with small one man bands in terms of service levels, there are some inherent risks.
• What area does the advisor specialise in? As an immigrant or expatriate worker your situation is unique and very different to that of a South African citizen. Be sure the advisor is experienced and aware of the issues you face.

Contact us if you want learn more about Life Assurance South Africa.

At Incompass Financial Services we believe that quality service starts from your very point of contact with us. To this end we endeavour to answer all enquiries and e-mails within 24 hours.

In the event your enquiry is of an urgent nature please feel free to telephone us.

“We look forward to being of assistance to you for the topic Life Assurance South Africa.”

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Insurance Services South Africa

Incompass Insurance Services started back in 2003, focussing on the Short Term Insurance industry.

In conjunction with the rest of the Incompass Financial Services Group, we strive to provide a comprehensive financial package for immigrants moving to South Africa, as well as South African residents.

Incompass Insurance Services is a licensed financial services provider, and is therefore highly qualified in supplying you with viable and valuable advice regarding your insurance portfolio. In an industry where its reputation is often tarnished by poor advice and servicing, we sought to install certain values into our conduct and every day work.

“Our aim is to provide an all-inclusive package for people immigrating into the country, making sure we do our part to ensure that the client has a comprehensive financial package and are not exposed to unnecessary risk.”

“Our focus is on professionalism, knowledge, being client focused and service for profit as opposed to sales for profit.”

At Incompass, we believe that true expertise comes with specialisation. Incompass Insurance Services therefore specialises in the niche market of the Guest House insurance industry and the complex Personal Insurance industry. Each clients situation is completely unique and therefore requires individual tailor made advice.

Incompass prides itself in its dedication to furnishing its clients with un-biased advice and excellent service this done in an annual review of your insurance portfolio, thus ensuring that you are always correctly and adequately insured.

Contact us to learn more about Insurance Services South Africa

At Incompass Financial Services we believe that quality service starts from your very point of contact with us. To this end we endeavour to answer all enquiries and e-mails within 24 hours.

In the event your enquiry is of an urgent nature please feel free to telephone us.

“We look forward to being of assistance to you with our Insurance Services South Africa.”

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Household Insurance South Africa

Household insurance is extremely important in protecting your property and possessions against risks such as fire, theft and damage.

With regards to your home there are two things that you would need to insure, these being your household good and your building.

The details are as follows:

Household Insurance South Africa: Buildings

Also known as House Owners Insurance. Designed to cover the building, which is a private dwelling. The property is insured on the current re-building rates. It is always best to have a valuator to come and calculate the actual sum insured of the building.

Household Insurance South Africa: Contents

Also known as House Holders. The sum insured should reflect the current replacement cost of the item if it were to be bought brand new, this is a relatively inexpensive section of cover, providing you have the correct measures in place.

Please note that the average clause applies to these sections of the insured policy and if you are under insured, and a claim occurs, the insurer will only pay out a pro rata amount, depending on the ratio of difference. There are many factors that will influence your premium, including your current NCB and your sum insured.

Incompass is able to provide you with much more information on both your buildings and contents insurance, as well as provide you with a non obligatory quotation.

Contact us for more information on Household Insurance South Africa

At Incompass Financial Services we believe that quality service starts from your very point of contact with us. To this end we endeavour to answer all enquiries and e-mails within 24 hours.

In the event your enquiry is of an urgent nature please feel free to telephone us.

“We look forward to being of assistance to you on the topic of Household Insurance South Africa.”

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Guest House Insurance South Africa

If you are planning on opening a Guesthouse / B&B, this section will be of valuable interest to you in assisting you to ensure the correct guesthouse insurance is in place.

Incompass offers a specialized package in the form of Guest House Insurance.

The correct liability cover is imperative for anyone who provides accommodation for foreign tourists.

Most Guest House Owners are incorrectly insured and rely on the validity of a disclaimer form (a signed statement by the guests to state that they will not hold the Guest House responsible should anything happen) as opposed to taking out the correct liability cover.

The insured would generally have a domestic policy that includes Personal Legal Liability, covering the insured in their personal capacity (should a friend injure themselves on their property and hold them responsible), but not when the insured derives an income from the premises (accommodating paying guests).

Incompass works with two of the biggest Guest House Insurers in South Africa. Both of which include Public Liability that is worded to cover the paying guest. Both Insurers have removed the forcible or violent entry requirement for theft cover. In other words, the insured does not need to prove that someone broke in (in the case of theft). Therefore, theft by guests would be an insured peril, as well as theft of the guests effects.

This is a very competitive market in the insurance industry at the moment, Guest House rates are currently far lower than domestic rates. In other words, should you own a Guest House, it would be more beneficial as well as cost effective for you to insure the Guest House with a Guest House Insurer as opposed to a Domestic Insurer.

Furthermore, if the insured is a member of a tourism affiliated body they could receive up to 15% discount on their premium.

Contact us if you would like to learn more about Guest House Insurance South Africa.

At Incompass Financial Services we believe that quality service starts from your very point of contact with us. To this end we endeavour to answer all enquiries and e-mails within 24 hours.

In the event your enquiry is of an urgent nature please feel free to telephone us.

“We look forward to being of assistance to you with your Guest House Insurance South Africa.”

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Commercial Insurance South Africa

Various types of commercial insurance are available in South Africa.

These insurances range from basic retail or manufacturing products to more sophisticated liability and indemnity products.

Again, there are generally very little regulatory requirements in terms of insurance cover, so one can operate a business without any insurance whatsoever.

One only needs to look at the recent crime statistics to realize that this will be a foolish option.

Fire and storm damage is always a concern to companies. No matter which industry they operate in. Theft is in most cases a risk to take into account, also the interruption a major loss might cause to a company cash flow. It is crucial that a proper risk assessment gets done when deciding on insurance cover. This needs to be reviewed on an annual basis, as the needs and nature of most companies change on a constant basis.

One should always make sure you comply with the insurers requirements. Read carefully through the policy schedule and policy wording, electrical compliance certificates, maintenance contracts with thatching companies (should you have a thatched roof). Non compliance with these requirements will result in repudiation of a claim.

Incompass would be able to provide you with more specific information regarding your specific risk situation as well as comparative quotations with the best insurers in the market.

Contact us if you would like to find out more about Commercial Insurance South Africa.

At Incompass Financial Services we believe that quality service starts from your very point of contact with us. To this end we endeavour to answer all enquiries and e-mails within 24 hours.

In the event your enquiry is of an urgent nature please feel free to telephone us.

“We look forward to being of assistance to you with your Commercial Insurance South Africa.”

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Forex out of South Africa

Transferring money out of South Africa can be a complex area with considerations such as the appropriate tax clearances, exchange control regulations, rates and methodology.

Often unsure of what the correct processes and legislation are people simply turn to their banks, this can result in unnecessary fees and poor exchange rates.

Incompass offer a personalised exchange control and money transfer service to its clients.

Let us take the hassle out transferring your money out of South Africa.

Contact us today and see how we can save you time and money.

Contact us if you would like to know more about the topic “Forex out of South Africa”.

At Incompass Financial Services we believe that quality service starts from your very point of contact with us. To this end we endeavour to answer all enquiries and e-mails within 24 hours.

In the event your enquiry is of an urgent nature please feel free to telephone us.

“We look forward to being of assistance to you with more information about the topic Forex out of South Africa.”

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