Flexible & Affordable Health Insurance

Only Episodic lets you choose your own medical benefits and save on your premiums.

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Choose from a Wide Range of Medical Benefits

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.


Hospital Plan

Design your own private hospital plan from R165 pm

  • Optional benefits with flexible levels
  • Accident & Casualty cover
  • Hospital admissions & ICU
  • Critical Illness cover
  • Maternity
  • Permanent Disability
  • 24/7 Emergency Services
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Day-to-Day Plan

Day-to-Day cover from R397 pm

  • Doctor & dentist visits
  • Acute & Chronic Medication
  • X-rays & blood tests
  • Optometry
  • Specialists
  • Flexible levels of cover
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Comprehensive Plan

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.

Ready to build a plan?

Getting a quote is quick and easy. We are here to help you every step of the way.
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A Network You Can Depend On

Access private healthcare when you need to see a doctor, visit a dentist, get medication or go to hospital.

Nationwide Network of Doctors & Dentists
Private hospitals across South Africa
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How the Premium Works

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.

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Simple & Efficient Claims

Find out how the claims process works for rapid and pain-free claims handling.

No upfront payments
Claims paid directly to providers
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What People are Saying About Us

4.9 /5 star rating based on independent reviews on Google

Antoinette H.
5 stars
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I am looking forward to be part of this Medical Insurance, it seems that they have thought about everything to ensure their members get the best value for money.
Carmen C.
5 stars
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... friendly, quick and made me feel right at home as always. Would 100% recommend Episodic wherever I go : )
Busisiwe N.
5 stars
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I can proudly say this one of the best Health Cover thus far as I have had a wonderful experience with one of your best Sales Agents
Nanette A.
5 stars
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... Prompt replies and went out of her way to assist me with my situation. Thanks for making this process seamless.
I Miller
5 stars
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... always available to assist and very quick to respond - thank you for your great service. Better than any other Medical Insurance companies that we have dealt with
Charlene A.
5 stars
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I can definitely say the initial service and telephone consultation was brilliant. Bradford is a wonderful broker and I felt like I received all the information I required and am very happy with the plan and the rates.
Rohayne S. J.
5 stars
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I just really want to thank Michael ... He is very helpful and is patience. Hope the company see the efforts he put in.☻
Celeste H
5 stars
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... She gave me the best customer service and went out of her way to give me information and reassurance . She called me back twice with more info and advice and if that was not enough she e-mailed me more information. She really cared about my situation. She really went the extra mile and i felt like she put her self in my shoes ...
Jolandi G
5 stars
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This was the easiest application ever. Friendly, helping, caring. Thank you Gabby and her team for all the assistance and support. I am proud to be a member. Thank you.
Siyabonga N
5 stars
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I am happy with the level of professionalism Faranaaz displayed whilst assisting me with my query..
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Key Features

Waiting Periods

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.

No Lock-in

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.

Medical Aid

Health Insurance is not the same as a Medical Aid but it is an affordable alternative.


Trusted and backed by industry leading underwriting, administration, networks and partners.

Age Limit

All new members joining a policy be younger than 65 years.

What Health Plan are you going to build?

Get a quote and find out. Talk to us or build your own.
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Answers to Your Questions

What are the age limits?

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.

How many people can be on one policy?

Episodic Health Insurance policies allow for:

  • 1 Main Member
  • 1 Spouse or Partner of the Main Member
  • up to 6 Children

In order to have more people covered, you can take out more than one policy.

What is the waiting period?

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.

How are claims paid?

Claims are paid directly to the medical providers. You can find all the details on our claims page.

Which hospitals can I use?

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.

Is the policy paid upfront or arrears?

Health Insurance policies are paid upfront for the upcoming month.

What is the cancellation policy?

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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Interesting Articles

Helpful articles, blog posts and interviews about Episodic Health Insurance

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We Work with the Best

We use the best service providers and partners in the industry to deliver our products and services to you.

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