This section is underwritten by Onecard Management Services (PTY) Ltd and the Insurer is ABSA Insurance Risk Management T/A AIRMS
| ELITE HOSPITAL DESCRIPTION - R395 | |||
| HOSPITAL RISK COVER | WAITING PERIODS | INSURED AMOUNTS | |
| Accident Cover | Immediate Cover | Up to R300 000.00 per insured event. Up to R500 000.00 per family per event • Excess of R500.00 per event is applicable |
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| Illness in Hospital | 90 Days | Up to R 75 000.00 per insured event per person. Up tp R200 000.00 family / insured annual limit • Month 1-3 excluded • Month 3-6 excess of 15% of the total claim not exceeding the sum insured • Month 6 onwards excess of 5% of the total claim not exceeding the sum insured |
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| Emergency Illness | Immediate Cover | Up to R4 000.00 in Accident and Emergency Units for life threatening emergency medical treatment • Month 1-3 R600 excess per event • Month 3 onward excess of R200.00 per event • Not intended to replace normal Medical Practitioner visits |
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| Dreaded Disease | 90 Days | Up to R250 000.00 per defined disease per year • Newly diagnosed within the first 3 months will be regarded as a pre-existing condition • Occuring during months 3 to 6 of the policy, the condition will be subject to a full medical report confirming that it is not a pre-existing condition whether it was known or unknown • Pre-existing Dread Disease conditions will not be covered if not specifically agreed in writing |
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| Natural Birth and Emergency Caesareans | 12 Months | Up to R 75 000.00 per insured event per person • This cover forms part of the Illness and Operation annual limits |
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| DISABILITY COVER | WAITING PERIODS | INSURED AMOUNTS | |
| Accidental Disability | Immediate Cover | Up to R130 000.00 for the duration of the policy • Only the Principal Insured is covered • Including loss of limbs on a sliding scale from minor to 100% disability |
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| DEATH COVER | WAITING PERIODS | INSURED AMOUNTS | |
| Family Death Cover | For accidental death there is no waiting period applicable For death related to natural causes, there is a 90 day waiting period | Principle Insured: Spouse/Partner: Children 14-21yrs: Children 6-13yrs: Children 1-5yrs: Children unborn (28 weeks) to 0yrs: | R 10 000.00 R 10 000.00 R 10 000.00 R 5 000.00 R 2 500.00 R 1 250.00 |
| ADDITIONAL COVER | WAITING PERIODS | INSURED AMOUNTS | |
| Emergency Assistance | Immediate Cover | 24hr Medical Assistance with an emergency dedicated line • In the event of a justifiable medical emergency, the Insured will be transported by ambulance to the nearest appropriate medical facility |
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| HIV/AIDS Anti-retroviral | 90 Days if newly diagnosed. 12 Months if pre-existing | Up to R10 000.00 per family per year | |
| Personal Protection Program | Immediate Cover | 2 incidents per year In the case of crime related traumas we offer: • Telephonic or face-to-face counselling • Trauma related legal assistance • Shelter facilities in cases of domestic violence In the case of accidental exposure to HIV: • Unlimited access to Care Centre for HIV information and advice • 2 blood tests • 31 day anti-retroviral or prophylactic therapy • STD preventative medication |
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| Please note this plan is for persons under the age of 65 years, persons over 55 years are subject to a loading fee REPATRIATION - This plan includes repatriation cover in the event of death |
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