Get Covered for Medical Expenses Your Way
Primary Health Cover from R420 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.
Hospital Expenses Covered from R175 pm
Choose the Hospital plan for benefits that cover your hospital expenses. Flexible benefit choices let you save on your premiums.
Primary Health & Hospital Expenses Covered from R595 pm
Choose both Day-to-Day and Hospital benefits in one flexible comprehensive health insurance plan.
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?
Episodic health insurance plans 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 plan 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.
You have Questions, We have Answers
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
- 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?
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.
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 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.
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