Only Episodic lets you choose your own medical benefits and save on your premiums.
Health insurance benefits cover you and your family for both in and out of hospital events. Choose the type of medical cover you want and build your plan to meet your needs and budget.
Design your own private hospital plan from R165 pm
Cover both in and out-of-hospital expenses from R562 pm
You can mix Day-to-Day and Hospital cover together to build a comprehensive plan with the same choice of benefits and levels of cover.
Access private healthcare when you need to see a doctor, visit a dentist, get medication or go to hospital.
When you build a plan, your premium depends on the number of family members on the plan and your choice of benefits with their level of cover.
Decide how many people will be covered. Add your spouse and up to 6 children on one policy.
Select Day-to-Day plan, Hospital plan or both for a combined plan.
Hospital cover offers optional benefits. Add what you want and leave out what you don't need.
Most benefits have a choice of up to 3 levels of cover. Each level has different cover limits.
Find out how the claims process works for rapid and pain-free claims handling.
Each benefit has it's own waiting period. Frequently used benefits have shorter waiting periods. Accidents are covered immediately.
Claims are paid directly to the providers and settled within defined service levels.
Works with all private hospitals in South Africa. Day-to-Day benefits use a nationwide network.
The wide choice of benefits and levels of cover means you can build your plan to suit you.
Episodic's unique flexibility of benefit choices gives you greater control over your budget.
You are not locked in to your policy choice for the year. Make amendments when you need to as your budgets and needs change.
Day-to-Day plan works with a Medical Aid. Use with your existing hospital plan to boost your out-of-hospital cover.
Health Insurance is not the same as a Medical Aid but it is an affordable alternative.
All new members joining a policy be younger than 65 years.
All new members joining a policy must be younger than 65 years on date of application.
Child dependants must be younger than 21 years before they will need to start their own policy.
However, if your child is still a registered full-time student and unmarried, then they may stay on the policy as a child dependant until they turn 26.
Episodic Health Insurance policies allow for:
In order to have more people covered, you can take out more than one policy.
Health Insurance, unlike Medical Aid, has no general Waiting Period. Each benefit has it's own waiting period.
Waiting periods can range from
Pre-existing medical conditions may result in endorsements on the policy that add a 12-24 month waiting period for that claims related to that specific condition.
Claims are paid directly to the medical providers. You can find all the details on our claims page.
Episodic Health Insurance can be used at all private hospitals in South Africa. There is no hospital network. You can find all the details on our network page.
Health Insurance policies are paid upfront for the upcoming month.
If you need to stop your policy for whatever reason then we simply need one month's notice sent to service@episodic.co.za.
If your reason for cancelling is due to affordability, please remember that with Episodic you can remove benefits and downgrade benefit levels to reduce your premium. Simply speak to Client Services and they will help you.
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