Dread Disease cover

Cover for in and out ofhospital expenses related to a critical illness

Dread diseases, like heart attacks and cancer are serious and require major treatment. The hospitalisation benefit alone will not be enough to cover these events so this benefit can be taken in addition to provide additional cover.

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Benefit Includes

Pays out according to SCIDEP staging
3 Levels of Cover to choose from
8 specified conditions
12 month waiting period

Choose from 3 Levels of Cover

Level 1

Up to R185,000

Level 2

Up to R250,000

Level 3

Up to R350,000


How many times can I claim?

The stated amounts are available once per policy for any dread disease occurrence and can't be reinstated. This means that you can't claim twice for the same dread disease.

How is this related to the Illness Hospitalisation benefit?

Dread disease treatment usually incurs a much higher cost than ordinary hospital admission. As a result, the Illness Hospitalisation benefit alone is probably not enough to cover these events. The Dread Disease benefit is available as an optional addition to your Illness Hospitalisation benefit to cover these additional costs.

The benefit does not cover claims in addition to any other hospital benefits.

What are the conditions on the dread disease list?

The list includes:

  • Heart attack
  • Chronic Coronary Heart Disease
  • Stroke
  • Cancer
  • Kidney Failure
  • Paraplegia
  • Blindness
  • Major organ transplant

The major organ transplants include:

  • Kidney
  • Heart
  • Lung
  • Liver
  • Pancreas
  • Bone marrow

What is SCIDEP staging?

The Standardised Critical Illness Definitions Project (SCIDEP) grid is used to indicate the ratio of the available benefit paid out according to the severity of the condition.

  • A (most severe): 100% of the available benefit
  • B: 75%
  • C: 50%
  • D (least severe): 25%

Is authorisation required?

Yes, pre-authorisation is required to access this benefit. Simply contact the Essential Med call center on 0861 911 011.


An additional R58 for single members

and R70 per month for families.

Episodic Health (Pty) Ltd, is a Financial Services Provider (FSP 49319). Health product is provided and administered by Essential Med (Pty) Ltd (FSP 42980), the Underwriting Management Agent on behalf of the insurer African Unity Life (FSP 8447). Episodic Health and Essential Med are a health insurance provider, not a medical aid scheme.