Flexible Health Insurance

All new members joining a policy must be younger than 65 years (on the data of inception of the policy).

Child dependants must be unmarried and younger than 21 years. However, if your child is still a registered full-time student, then this age limit is increased to 26 years.

Episodic health insurance policies can include

• you
• your spouse/partner
• up to 6 children

That makes a total of up to 8 people per policy. To include more people, you can simply take out a second policy.

Episodic plans can start from as little as R175 per month.

But our plans are not normal plans that you'll get from other providers. Ours are personal. This means that your premium depends on the choices you make:

• how many people you want covered
• what benefits you want to include
• what limit of cover you need for those benefits

You get a quote that is tailored to your specific needs so you can control your budget.

Health Insurance, unlike Medical Aid, has no general Waiting Period. Each benefit has it's own waiting period.

Waiting periods can range from

• Immediate cover for accident events
• 1-3 months for frequently used low-risk benefits like doctors and medication
• 6-12 months for benefits that are not used that often or that have a higher risk factor like Critical Illnesses.

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.

Episodic offers a retail health insurance product for individuals that is provided and administered by EssentialMED. The Episodic Health Insurance product is an EssentialMED product.

EssentialMED is the product administrator for our health insurance product and they are responsible for managing the network, processing claims and enhancing the product.