Episodic's hospital plan lets you choose your own cover and save on your premiums. Get access to private hospitals for accidents, illnesses, maternity and more.
Choose the benefits you need at the level of cover you want to build a hospital plan that is unique to you and your budget. You can take it on its own or combine it with Day-to-Day Cover for a comprehensive plan.
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. You can add your spouse and up to 6 children on one policy.
Hospital cover also offers flexible benefit choices. 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.
Hospital benefits require hospital admission for at least 24 consecutive hours. Day procedures are not covered under these benefits.
Claims are paid directly to the providers and settled within defined service levels.
Each benefit has it's own waiting period. Frequently used benefits have shorter waiting periods. Accidents have no waiting periods.
You have a choice of benefits and their level of cover. This affects your final premium.
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.
Underwriting rules require that all new members joining a policy be younger than 65 years.
Hospital cover can't be used with a Medical Aid at the same time since they cover the same things.
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.
Episodic health insurance has no hospital network. We work with all major hospital groups.
This is because health insurance issues a Guarantee of Payment based off your stated benefit limits so it doesn't need specific contracts with hospitals. Medical Aids, on the other hand, negotiate tariff rates with providers.
The Network page has all the information needed.
All new members joining a policy must be younger than 65 years on the date of inception of the policy.
Child dependants must be unmarried and younger than 21 years before they will need to start their own policy.
However, if your child is still a registered full-time student, then they may stay on the policy as a child dependant until they turn 26.
Episodic health insurance policies can include:
To include more people, you can simply take out a second policy.