Get Fronted With The Cash You Need Before You See A Private Doctor
Health insurance is an affordable alternative to medical aid. Giving you instant access to private healthcare and amazing benefits such as cover for doctor visits and day-to-day care. Here’s how we make insurance hassle-free and ensure your health is always a priority.
Private healthcare is something very few people can afford. This is why healthcare coverage plans such as medical aid and health insurance were created to help you afford medical bills in exchange for a monthly premium.
And whilst something like medical aid is a great way to ensure you avoid any debt from doctor’s and hospital bills, this coverage plan in itself can set you back thousands of rands a month. Even a basic hospital plan with medical aid can cost upwards of R2000 or more.
What is health insurance?
We’re glad you asked.
This is one of our favourite questions to answer seeing as we are so passionate about insurance.
Basically, health insurance is an affordable solution to medical aid. It works in a similar way in that you choose a plan best suited to your budget and your health needs, pay a monthly premium (which is incredibly affordable) and we will then help cover the expensive bills of private healthcare.
It’s that simple.
How is health insurance more affordable than medical aid?
The difference between health insurance and medical aid is that medical aid is required by law to cover what can sometimes be unpredictable and extremely high medical costs. Health insurance, on the other hand, has set limits to each benefit and plan.
A limit is a maximum amount your insurer will payout in the event of a claim.
Let’s look at an example…
If you have chosen Oneplan’s Blue Plan, then the limit for doctor visits is R330 per visit. And accident cover is up to R190 000 per insured event.
How much does health insurance cost?
Another great question.
You already know that health insurance is more affordable than medical aid, but now you are probably wondering just how much health insurance will set you back every month.
Here is an outline of what each of our plans cost:
- Core Plan - R 365 pm
- Blue Plan - R 690 pm
- Professional Plan - R 947 pm
- Executive Plan - R 1180 pm
The great thing about our health insurance is that ALL of our plans include coverage for hospital care and day-to-day healthcare costs such as dentist visits, optometry cover and doctor visits. Our Executive Plan even includes cover for specialists.
Yeah, that’s right. You get amazing cover for accidents, emergencies, illness and even cover for doctors and specialists.
Sound too good to be true? Well, it gets better.
We pay you before you see the doctor
At Oneplan, we get that life is complicated which is why we created our insurance to be easy to use, easy to apply and easy to understand (read about what makes us awesome right here).
We wanted to create insurance that not only suits your budget and your lifestyle but insurance that allows you to receive the best possible care when you need it most.
When it comes to doctor visits, other insurers will require you to pay your doctor upfront, followed by you filing your claim along with additional paperwork and then waiting for your reimbursement.
Not us. We don’t believe in making you have to wait until payday to see your doctor.
Our unique Onecard claims system
A private doctor can cost anywhere between R400 and R800 for a consult. And this doesn’t include scripted medication or additional tests and treatment costs.
Having to fork out that kind of cash can put a serious dent in your monthly budget. This is why we created a unique transactional card known as the Onecard.
When you become a member of the Oneplan Family we will send you your own Onecard. This card is like a debit card that we use to preload funds onto for day-to-day doctor visits and healthcare.
When it comes time to see your doctor, simply log into the smart Oneplan App, preload your claim in the claims section and we will transfer the funded needed onto your Onecard within seconds!
You can then use this card to swipe at your doctor’s rooms, the same way you would use a credit or debit card.
Go to any doctor of your choice
And the good times don’t stop there. With us, instead of limiting you to a specified network of doctors, we let you go to ANY certified GP of your choice.
Did we mention we also have a team of qualified nurses in our claims team for you to chat with using our Oneplan smartphone app?
Yours in hassle-free health insurance,