medical cover

Your time. Your choice.

Episodic Health gives you the power to decide what you need

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medical cover

Products that suit you

For every episode of your life

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Every episode of your life is different. Episodic is different too.
We offer personal financial solutions that fit your life and budget as your life changes.
It is your time. Your health and wealth is your choice.

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Flexible and affordable solutions


Our products are designed to offer you practical choice and not lock you in. Choose only what you need at the level you want.


With flexibility comes affordability. Create your solution to fit your budget and change with your life story.


We have years of experience, solid underwriting and the backing of the country's largest service providers.


Get access to network of private healthcare professionals and any hospital of your choice, nationwide.

health insurance

Our products

You choose the benefits you need at the level you want.



Doctors, dentists and specialists


Acute and Chronic Medication

X-rays and blood tests

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Accident & Emergency


Hospital cover for accidents

Emergency casualty room visits

Permanent disability

24/7 emergency services

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Hospital admission
ICU stays


Dread diseases

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What our customers say

I wish to commend you on the manner in which you have assisted my with my decision to become a member. Your prompt replies and the professional, polite way you dealt with me is honourable. There are many call centre consultants who could learn from you. You took the time to read what i had written and responded accordingly. WELL DONE !


Happy client, extremely happy with the doctors associated, encountered no issues and we go to the doctors a lot, meds are covered have never paid, always ask the doctor to prescribe according to the formulary or alternatively ask your clicks pharmacist to prescribe a generic or alternative on the list , absolutely no issues.


I would like to extend accolades and great thankfulness to Clayton. He is always ever-willing to assist unconditionally, and his disposition and friendly manner truly makes me feel very proud to be an Essential Med policy holder for my father. Clayton is truly an ambassador of exceptional service delivery, and his passion for service is truly reflected in all my encounters with him. Thank you so very much for everything you do for me as a client.


I'm on Essential Med and I'm really happy with the medical insurance, as I'm typing this message I'm in hospital at Flora Clinic and receiving great care.


Very satisfied with Essential Med. We have our 2 daughters on their insurance, and it has been blissful so far. Took my youngest to a network doctor without any hassles, and the paid for things our previous medical aid never covered or paid for! A HUGE Thumbs UP for you guys!


See for yourself, build your own quote now.

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Industry news


COVID-19. Facts to help you stay safe

Stay calm, stay informed and stay safe with these practical suggestions from leading experts in the field.

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Episodic Health (Pty) Ltd, is a Financial Services Provider (FSP 49319). Health product is provided and administered by Essential Med (Pty) Ltd (FSP 42980), the Underwriting Management Agent on behalf of the insurer African Unity Life (FSP 8447). Episodic Health and Essential Med are a health insurance provider, not a medical aid scheme.