Health Insurance FAQ: Simple Answers To Complex Questions


Jade Poole

Health Insurance FAQ

What is health insurance? Is it the same thing as medical aid? What sorts of benefits am I covered for? We have the answers to the questions you’re asking…

Health insurance is something that is incredibly important to have, but this doesn’t mean it’s easy to understand what this form of insurance is and how it works to protect your health and your wallet.

What is health insurance?

Health insurance is a form of medical coverage that protects you from the expensive costs of private healthcare. In exchange for a monthly premium, your insurer will help cover the costs of private healthcare and various types of medical procedures.

What does health insurance cover?

This will depend on your chosen insurer and plan. With Oneplan our health insurance is so much more than just a hospital plan.

Each one of our healthcare plans includes cover for day-to-day benefits (doctor visits, scripted medication, blood tests, X-rays, dentist and optometry visits). As well as hospital cover for accidents, illness and birth.

Is health insurance the same thing as medical aid?

Although health insurance provides cover for day-to-day benefits, as we mentioned above, health insurance is NOT the same thing as a medical aid. Health insurance also does not work in the same way as medical aid when it comes to cover. Whilst both health insurance and medical aid help you to cover the costs of private healthcare bills, they are very different products.

Can I have medical aid and health insurance at the same time?

Of course! In fact, this is a great way to ensure you are covered for medical bills when medical aid falls short. Health insurance can act as an effective form of gap cover.

Can I go to any doctor of my choice?

Can I go to any doctor of my choice

With most health insurers you will have to choose from a network of GPs in order for your health insurance to cover you. But with Oneplan Health Insurance, we let you go to ANY registered doctor of your choice.

How does claiming work for doctor visits?

With Oneplan, we front you with the cash you need BEFORE you see your doctor. This means you don’t have to wait until the end of the month to afford to see your doctor and wait days until your claim is reimbursed.

We make this smart claiming system possible using our simple Oneplan App and our unique Onecard. A Onecard is sent to you the moment you purchase a health insurance policy.

Before you need to visit the doctor, simply log into the Oneplan app and preload your claim. We will then transfer the funds to your Onecard within seconds. You can then swipe this card at your doctor’s rooms, the same way you would use a debit card.

Does health insurance include cover for serious diseases like heart attacks or cancer (dread disease)?

Dread disease cover is often an additional cost to a medical aid plan or sold as a stand-alone product. However, with Oneplan Health Insurance, we include dread disease cover in 3 of our 4 health insurance plans. Have a look at this article to find out everything you need to know about this cover for serious diseases.

Does health insurance include funeral cover?

Oneplan Health Insurance includes funeral cover in ALL of our healthcare plans. This means that if you and your family have a policy with us, in the event of the death of a family member, we will pay you a lump sum based on your chosen plan. We also help cover the costs of repatriation (these are the expenses associated with returning a body to a funeral home).

You can find out everything you need to know about funeral cover right by clicking here.

What happens in an emergency situation? Is there an ambulance service?

At Oneplan, we have 24-hour medical assistance. In the event of a life-threating emergency, you will be transported by an ambulance to the nearest hospital.

Does health insurance include cover for specialists?

Not all of our plans include specialist cover, but our Executive Plan does. We get that consultation costs for specialists are incredibly high. Which is why we include this benefit in our top plan. Your GP will need to give you a referral letter before you can see a specialist.

Read all about our specialist cover here.

Does health insurance include maternity benefits?

Each one of Oneplan’s health insurance plans includes cover for pre-birth visits,

Our top 3 plans include cover for a natural birth and emergency Caesareans.

How do I choose the right health insurance plan for me?

Not sure how to choose a plan? Don’t worry, here’s a guide on how to choose the right health insurance plan for your health and your budget.

Did we mention that we also have a team of nurses available through our in-app chat function for you to chat with about any health concerns you may have? It’s just another way we want to make your day better.

Yours in hassle-free health insurance,


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