episodic health

Your health. Your choice.

Health insurance as unique as you are. Powered by Essential Med.

Episodic Health brings you Essential Med’s unique health insurance product. Flexible and affordable medical cover for every episode of your life. You choose the benefits you need at the level of cover you want.

Our story

In 2019 Essential Med decided to focus on their core strengths:  building a sustainable product and managing the networks and claims. To do this they became an Underwriting Management Agent and Episodic Health stepped in as a strategic partner to service clients and bring the product to market.

Episodic Health offers the same cover that has been trusted by South African families for over ten years under Essential Med and underwritten by African Unity Life. This is tailor-made access to quality private healthcare at a price you can afford with backing from industry leaders.

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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How it works


Every plan starts with comprehensive Day-to-Day cover where you choose the level of cover you want for dentistry, optometry and specialists.

You can then add Accident and Emergency benefits onto your policy with a choice of the level of cover and the optional
Permanent Disability benefit.

Next you can choose to add Hospital benefits, choosing your level of cover again and optionally adding Maternity cover.

Lastly, every policy has the choice of adding the family Funeral benefit.

Who can join

Our plans include the Main Member, their spouse or partner and up to six children.

The maximum age is 65, meaning you must be younger than 65 to join a new policy. Children can be added from birth until they turn 21 years, after which they will need to take out their own policy. Special allowance for full-time students extends this to 26 years.

If you have specific needs, like cover for children only without adults on a policy, then please speak to our consultants and we can tailor a product for you.

Behind the scenes

Episodic Health is the financial service provider bringing you the world class health insurance product provided by Essential Med, who are the Underwriting Management Agent that designs the benefits, manages the networks and ensures you get the best service level that you deserve. The policy is underwritten by African Unity Life.

Your policy is an Essential Med policy with Episodic helping you make the right choice and representing your needs and level of service.

nationwide network

A network that works

We have one of the largest nationwide networks of thousands of doctors and dentists. Medication is available from a pharmacy by prescription or dispensed from your network doctor. Optometry benefits available through any Spec-Savers.

No hospital network and no network for radiology, pathology or specialists (only a referral from your network doctor is needed).

See for yourself, build your own quote now.

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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.