Flexible Health Insurance

Choose your own medical benefits & save on your premiums with an Essential Med Health Plan

Woman with flamingo shadow
flamingos in water

Get Covered for Medical Expenses Your Way

Choose a Day-to-Day Plan. Choose a Hospital Plan. Choose both.
It is always your choice.

Day-to-Day Plan

Primary Health Cover from R446 pm

Choose the Day-to-Day plan for benefits that cover your everyday out-of-hospital expenses. Save on your premiums with flexible levels of cover.

Private Doctors & Dentists
Acute & Chronic Medication
Radiology, Pathology & Optometry
Nationwide Network
lady with white jacket and cape

Hospital Plan

Hospital Expenses Covered from R186 pm

Choose the Hospital plan for benefits that cover your hospital expenses. Flexible benefit choices let you save on your premiums.

Accidents & Casualty
Illnesses & ICU
Nationwide Network

Comprehensive Plan

Primary Health & Hospital Expenses Covered from R631 pm

Choose both Day-to-Day and Hospital benefits in one flexible comprehensive health insurance plan.

Day-to-Day benefits
Hospital benefits
One premium
Woman with flamingo shadow

What Health Plan are you going to build?

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


What does it cost?

Essential Med Health Plans from Episodic are flexible and personal. Your final premium depends on the number of family members and your choice of benefits.


Decide how many of your family members will be covered. You can add your spouse and up to 6 children on one policy.



Choose Day-to-Day and/or Hospital plan.

Hospital plan has flexible benefit choices. Add what you want and leave out what you don't need.



Some benefits have a choice of up to 3 Levels of Cover. Each Level has different cover limits.



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
Private Hospitals & Doctors
fairy doctor


Simple & Efficient Claims

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

Claims paid directly to providers
Works with private hospitals
lady chasing balloon


You have Questions, We have Answers

Find answers to the most common questions about Day-to-Day cover below. You can also browse our Help pages and Blog posts for more information.

Are there age limits for 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.

How many people can be on one policy?

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.

How much does a Health Insurance plan cost?

EssentialMED health insurance plans from can start from as little as R186 per month.

But this is not a normal plans that you'll get from other providers. This one is 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.

What are the waiting periods?

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 Episodic and EssentialMED related to each other?

Episodic is intermediary that offers a retail health insurance product for individuals that is provided and administered by EssentialMED. The product we offer is the Essential Med Health Plan.

EssentialMED is responsible for managing the network, processing claims and creating the product.

5 stars curve


See What People Are Saying About Us

Episodic is a top-rated Financial Services Provider with 4.8 stars on Trustpilot and 4.9 stars on Google Reviews. Thanks for sharing the love!
Quotation marks
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.
Antoinette H.
Quotation marks
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.
Charlene A.
Quotation marks
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.
Jolandi G.
Quotation marks
For not giving up i rate Muneeb 5 stars. I many times could not talk, and didn't take his calls. Then he will email me and ask if I understand the health insurance benefits and policies. And I found him another applicant. I think its a good product for this price. Thank you. We have started our journey with you.
Cecilia G.
Quotation marks
I'm very impressed with the type of service I received from Elize [...] she was very much on top of things all the time and her response time was amazing thanks so much.....
Tyrone S.
Quotation marks
Wonderful service. Very quick to respond/assist. Love it
Caroline S.
Quotation marks
Once again, Episodic health has exceeded expectations! The efficient, professional manner in which they attend and complete enquiries are to be commended. Within less than 24 hours the enquiry was resolved and you have another happy client! Well done to Elize and Teswin for your efficient service.
Andrea B.
Quotation marks
Quick and easy application and very helpful consultant. So far so good!
Ashlea J.
Quotation marks
John [...] can articulate well and explain until you understand. You even forget you speaking to a sales person, great great service.
Karen S.
Quotation marks
I'm happy with all services the prices are affordable and I'm happy with everything discussed. Thanks Bradford [...]
Lecritia R.
Quotation marks
I would like to send a huge thanks to Michael [...] for his time, patience and excellent service. Even when I was still trying to decide on which medical insurance company to go with, by far his service stood out from the rest. He explained every detail to me and assured me that if I needed any help, he is just an email away. Thank you Michael.
Michaela S.
Quotation marks
Amazing service from Elize [...]. Prompt replies and went out of her way to assist me with my situation. Thanks for making this process seamless.
Nanette A.


We Work With the Best

Episodic uses the best service providers in South Africa to deliver our products and services to you. You are in good hands.
EssentialMEDAULGenricSpecSaversExecuspecsPAMCDRCPPNMediscorAfrica Assist
Mountain, birds and a tree
Silhouette man with pram