Hospital Cover South Africa

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Hospital Cover South Africa – Understanding the concept of “buying-down”

There is currently a lot of uncertainty in South Africa Not only is there a litany of prevailing negative connotations but we also have to accept that many aspects of society are currently in transition phase. None more so than in healthcare, as progress and concessions are slowly being negotiated towards the future roll-out of the National Health Insurance (NHI) system.   Healthcare is often viewed as a grudge purchase – a necessary expense with questionable returns. As families across the nation scrutinize their monthly budgets, hospital cover South Africa is often identified as the expense that can be sacrificed to make ends meet. Rather than relinquishing your hospital cover and taking the associated health and financial risks, a favourable alternative has emerged for you to consider – “buying down” to a more affordable hospital cover South Africa option.   The Hospital Plan Buy-Down Balancing Act The choice to buy-down to a cheaper plan should be balanced evenly between what your family’s healthcare needs are, and how much you can afford to pay in monthly premiums. Unlike primary healthcare, where healthy living lowers your risk factor, hospitalisation is a scenario that may suddenly and unexpectedly

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Hospital Cover South Africa – Downgrading your Hospitalisation Cover in tough times

It is often the case that the extent of your medical cover will need to align with your financial situation. Despite the rising cost of healthcare premiums in RSA, a medical aid plan remains a necessity. Equally as important , is  a hospital plan – either as standalone cover or as part of an all-inclusive policy. Maintaining your family’s current hospital cover South Africa policy, however, might not always be sustainable. Be it a life-changing event or changing family needs, many citizens decide to abruptly cancel their healthcare cover. Cancellation is not the only option – there is a smarter choice. By downgrading your current hospital, you can save on much needed costs. This means you still have peace of mind and can maintain a degree of healthcare should the unexpected occur. If you find yourself at a crossroads, let us explain why downgrading your healthcare plan is far better than no cover at all.   Downgrade to what you can afford? Downgrading from your current hospital cover South Africa is not as simple as just serving notice and signing onto the cheapest alternative plan out there. Both your financial and healthcare situations should

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Hospital Cover South Africa – The Impact of Waiting Periods on your Hospital Plan

If you are on any form of medical aid or medical insurance product, there are waiting periods  built into your policy which will restrict your ability to claim from your hospital plan for certain periods of time. Waiting Periods have been around since the dawn of the insurance industry and are too often overlooked when deciding on the most suitable hospital cover in South Africa for your family. It’s vital you know where you stand when taking out cover. Understanding waiting periods better ensures that you’re not on the receiving end of a nasty shock during the early days of your hospital plan. Know what you’re signing up for in advance. Read on as we unravel the essentials.   Know your various Waiting Period Restrictions before you sign up Waiting Periods in the medical aid and health insurance marketplace are defined as “the periods of time which must pass before some, or all of your health benefits can take effect” (Source) When assessing which SA hospital plan is right for you and your family, firstly take into account what the general waiting period of the policy is

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Hospital Cover South Africa – What to expect when reactivating your Cover

Hospital Cover in South Africa is a necessary expense which can save you substantial costs and stress in the event of an unforeseen emergency or treatment. Due to a wide range of economic reasons, many South Africans face no alternative but to cancel their hospital plan at a certain stage. When the outlook improves and you are in a more comfortable situation to reactivate your hospital cover, you need to be aware of what to expect. Restoring your hospital cover is not as simple as unfreezing a gym membership – restrictions will inevitably apply!. What can you expect if you want to reinstate your hospital plan? Let us guide you through the process. Why do most people cancel a Hospital Plan/Cover Scheme? The alarming rate at which RSA citizens have been dropping off their hospital schemes is one of the main factors motivating the urgent reform of SA’s healthcare system and the drafting of the NHI Bill. In order to get a better  understanding of why so many citizens opted out of healthcare coverage, the Department of Health, alongside StatsSA uncovered the following primary reasons for hospital plan cancellations, captured in the

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The Important Role of Wellness alongside Hospital Cover in South Africa

As you read the title of this article, you’re probably asking yourself, “What would health and wellness have to do with hospital cover In South Africa?”. Quite a lot, actually! With the exception of unforeseen accidents and emergencies, leading a healthy lifestyle can go a long way in protecting your health and avoiding unnecessary hospital visits.   Rather than scaring you into undertaking a drastic lifestyle overhaul, consider the essentials of wellness while improving your chances of living to 100! With the support of adequate hospital cover, RSA citizens are protected against the medical costs associated with many chronic conditions. Always approach hospital cover in South Africa from the perspective that they are a safeguard against expensive medical bills – not a license to live fast and hard. The long-term savings you can make towards your medical treatments is dependant on your mindset of “healthy body – healthy mind”. Add a few of these important life-hacks. Some may already be second-nature to you.   Exercise Regularly – While we tend to lead busy lives, making time for some moderate exercise –  even a brisk lunchtime walk around the office park – can do wonders for

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Factoring in the potential co-payments incurred through Hospital Cover South Africa

When considering basic healthcare coverage to protect you and your family, South African hospital plans are the quintessential low-cost options which help to offset the financial costs of hospitalization. Healthcare is something we simply can’t compromise on, yet the steady increase in medical aid premiums has put increasing strain on household finances. The source of these rising premiums is partly related to the co-payment system This often crippling extra bill, is an amount you must pay above what is determined by your medical aid provider to utilize a specific hospital or specialist. This can be easily overseen when reading the initial T&C’s for various South African hospital plans. Read further to learn how you can avoid these nasty bills and make the most of your hospital plan.   The Importance of Designated Service Providers A reliable medical aid or insurance provider is one that has established and continues to maintain a network of reputable GP’s, clinics and specialists to its networks (commonly known as Designated Service Providers – DSP’s). Through the agreements put in place, co-payments are not applied and members can enjoy the peace of mind of transparency while they focus

Hospital Cover South Africa you can Afford

Section 27 of the South African Constitution states that ‘it is everyone’s fundamental human right to be able to access quality healthcare’. However, for millions of RSA citizens, excessive premiums combined with employment uncertainty means that even the most basic hospital cover South Africa is unobtainable. If this is the reality that your family faces, bear with us, as there are encouraging signs that the tide has shifted, with the emergence of low-cost hospital benefit options that place people before profit! By focusing away from the dominant players in the market, progressive South African hospital benefit plans have enhanced the value of their healthcare benefits for every South African, kept operating costs down, while passing the savings on to their members.   Finding a Plan you can Comfortably Remain On Did we already mention that price is the key factor in choosing to remain on a healthcare package in RSA? The 2016 Healthcare Consumer Survey reported that 41% of survey respondents who left their medical scheme did so as it was no longer affordable.The availability of tailored hospital plans and hospital cash plans at cost-effective monthly contributions allow ordinary South Africans to save on their medical

Hospital Cover South Africa - A Stepping Stone to Healthcare Cover

Hospital Cover South Africa as a Stepping Stone to Healthcare Cover

Acquiring full Hospital Cover South Africa for your entire family has become obscenely expensive with monthly combined premiums that can veer close to your Bond repayments. While it may seem unjustifiable to be paying exorbitant amounts for the “guarantee” of medical services, it remains essential to have some degree of health insurance in South Africa. Hospital Cover South Africa is the ideal stepping stone into affordable medical insurance, with the safeguard that your medical bills will be covered should you require hospitalisation. No matter how healthy you may deem yourself to be, you cannot foresee a sudden hospitalization, the consequences of which can have far reaching financial implications.   Basic Health Insurance in uncertain Economic Times With the current economic uncertainty, rising inflation and civil unrest, family budgets are being closely scrutinized for any opportunity to cut back on expenses. South African citizens who are strongly considering leaving their medical aid scheme are now finding a comfortable middle-ground by cancelling their policies and downsizing to a hospital plan. In effect, it allows you to closely monitor your your primary healthcare expenses but remain covered against an unforeseen hospital emergency. Credible Hospital Plans offer a daily cash payout

The Best Hospital Cover in South Africa

Hospital Plan – Your ideal Entry Level to Healthcare in RSA A Hospital Plan, as the name suggests, is designed to assist RSA citizens with covering healthcare costs incurred as a result of a hospital visit. Unlike a Day to Day plan, a Hospital Plan provides you with In-Hospital Illness Cash Benefits from the day you are admitted to hospital until the day you are discharged. A Hospital Plan, while being a limited form of cover, allows any individual with a general clean bill of health to enjoy affordable insurance cover against an unexpected hospital visit. Who benefits from a Hospital Plan? Healthcare has become increasingly price-sensitive, with the spiralling costs of private healthcare now outside the reach of many RSA citizens. As such, a Hospital Plan acts as an ideal entry level healthcare package for the younger individual who is generally healthy and may not require a comprehensive medical aid package. For a family member with dependants or an older individual that needs to juggle out of hospital GP and medical expenses, it is recommended to upgrade, for a little extra, to a Comprehensive Plan such as a Value or

Hospital Cover South Africa – your absolute bare Healthcare essential

  Hospital Plans – the Non-Negotiable in protecting your Health in RSA. With rising medical aid premiums becoming an ‘expense too far’ for many RSA households, belonging to a quality Hospital Plan has become a critical part of protecting you and your family’s health and wellbeing. Being hospitalized is an unforeseen event with medical costs rising according to the medical procedures and care required. A Hospital Plan provides you with In-Hospital Illness Cash Benefits to alleviate the costs of your treatment during a hospital admission. For a fraction of the cost of medical aid cover, every RSA citizen can obtain medical insurance through a range of Hospital Plan products with added benefits such as 24-hour emergency support, accident benefit, and added funeral benefit. Why choose a Hospital Plan? Have your medical aid premiums increased yet again? Not getting any substantial return from your contributions? A credible Hospital Plan is not encumbered with having to cover Prescribed Minimum Benefits (PMB’s) that are responsible for escalating medical aid premiums. RSA citizens can choose from a number of tailored Hospital Plans with premiums starting as low as R380 per month which pay you a specific amount for each

Frequently Asked Question

Platinum Plan Hysterectomy procedure – Day1 Health pays costs in hospital of up to a maximum of R20 000.00

In order for hospital costs incurred to be paid after date of discharge, you will need to complete a claim form and submit it to the Day1 Health offices within 90 days of the admission.

Platinum Plan
Natural Birth & C-Sections – Day1 Health pays costs in hospital of up to a maximum of R20 000.00

Platinum Plan
Natural Birth & C-Sections – Day1 Health pays costs in hospital of up to a maximum of R20 000.00

Day1 Health facilitates admission to most private hospitals and government hospitals. All hospital admissions must be pre-authorised via ER24. The pre-authorisation number is on the back of your membership card (0861 144 144).

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Benefits Of Day1 Health Hospital Cover South Africa

Accident Benefit

Up to R150 000 per single member and up to R300 000 per family per incident. Immediate cover.

Dread Disease Benefit

1 Incident per family per annum
Dread Disease up to R250,000, however the benefit is limited to R50,000 unless the insured person accedes to a short medical examination (at their own cost) to be arranged by Day1 Health.

In-hospital Illness Benefit

Covers up to R10 000 for the first day in hospital, up to R10 000 for the second day in hospital, up to R10 000 for the third day in hospital. Thereafter R1 500 per day up to a maximum of 21 days. 24 months pre-existing condition exclusion applies.

Accidental Permanent Disability Benefit

R250 000 for the Principal Member only. Single event only. Immediate cover.R250 000 for the Principal Member only. Single event only. Immediate cover.

24 Hour Emergency Services & Pre-Authorisation (0861 144 144)

24 Hour Emergency Services, Medical Assistance and Pre-Authorisation provided by ER24. Guaranteed hospital admission.

Family Funeral Benefit

Principal, Spouse & Child > 14 yrs R10 000. Child > 6 yrs R5 000. Child > 0 yrs R2 500. Child > 28 wks R1 250.

Accident / Illness Death Benefit

R10 000 for the Principal Member.

Hospital Plan underwritten by African Unity Life Limited

General Waiting Period: 3 months from inception of Policy. Benefits may vary according to plan option

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Day to Day Cover, Hospital Plan & Combined Options. From as little as R265/month

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54 Peter Place, Bryanston,

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087 056 9951

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